{"url":"https://nivawealth.com/firms/echo45-advisors-307265","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/307265","regulatoryAum":227385600,"crd":"307265","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4196886","suffix":null,"lastName":"HENDERSON","firstName":"JON","middleName":"E"},{"crd":"7662859","suffix":null,"lastName":"MATSUURA","firstName":"COLE","middleName":"STEPHEN"},{"crd":"5012235","suffix":null,"lastName":"O'BRIEN","firstName":"SEAN","middleName":"MICHAEL"},{"crd":"8280700","suffix":null,"lastName":"Qiu","firstName":"Jason","middleName":null},{"crd":"5654862","suffix":null,"lastName":"SUTTON","firstName":"JAMES","middleName":"MATTHEW"},{"crd":"4471799","suffix":null,"lastName":"VIVO","firstName":"GENECAR","middleName":"Z"}],"total":6,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-13","regulatoryAum":120726820,"clients":140,"employees":7,"offices":2},{"filedOn":"2022-03-21","regulatoryAum":163218036,"clients":167,"employees":6,"offices":1},{"filedOn":"2023-03-16","regulatoryAum":145368902,"clients":180,"employees":7,"offices":1},{"filedOn":"2024-05-01","regulatoryAum":167785907,"clients":187,"employees":7,"offices":1},{"filedOn":"2025-06-02","regulatoryAum":194875409,"clients":198,"employees":7,"offices":1},{"filedOn":"2026-09-23","regulatoryAum":227385600,"clients":201,"employees":8,"offices":1}],"secFileNumber":"801-118109","legalName":"Echo45 Advisors LLC","displayName":"Echo45 Advisors","slug":"echo45-advisors-307265","website":"https://echo45advisors.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/307265/76d6ad23c836c247-r1.webp","tone":"dark","width":494,"height":200,"sourceUrl":"https://www.echo45advisors.com","sourceLabel":"Echo45 Advisors LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/echo45advisors","xUrl":"https://www.twitter.com/echo45advisors","founded":"2020","organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1802 Tice Valley BLVD","city":"Walnut Creek","state":"CA","stateName":"California","country":"United States","postalCode":"94595"},"tradeNames":["Third Current Wealth"],"registration":{"secApproved":"24 February 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1131038.512437811,"staff":{"employees":8,"advisory":4,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":227385600,"discretionary":222900196,"discretionaryAccounts":567,"nonDiscretionary":4485404,"nonDiscretionaryAccounts":32,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":5},"clientTypes":[{"label":"Individuals (other than HNW)","clients":139,"regulatoryAum":74376738},{"label":"High-net-worth individuals","clients":62,"regulatoryAum":152962003},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":46859}],"feePrograms":[{"role":"other","program":"Financial Planning","summary":"Financial planning is a project-based or recurring subscription fee; flat fees will not exceed $20,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018816","versionId":1018816,"submittedOn":"2026-03-13","documentName":"FORM ADV PART 2A - FIRM BROCHURE"},{"role":"other","program":"Retirement Plan Consulting","summary":"Retirement plan consulting is billed as a percentage of plan assets under management, not to exceed 1.00%.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018816","versionId":1018816,"submittedOn":"2026-03-13","documentName":"FORM ADV PART 2A - FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:32:42.726608+00:00","documents":[{"name":"FORM ADV PART 2A - FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018816","versionId":1018816,"submittedOn":"2026-03-13"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":167109996},{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":33100742}],"custodyNote":"Echo45 Advisors has custody of $74.1M for 105 clients.","otherCustodians":[],"leadership":[{"name":"David Reichert","title":"Chief Compliance Officer","crd":"5967692"},{"name":"Jon Henderson","title":"Founder and Chief Investment Officer","crd":"4196886"}],"ownership":[{"label":"Jon Henderson Living Trust","detail":"Managing member in the 75% or more ownership band and a control person, since February 2020."},{"label":"Jon Henderson","detail":"Indirect owner: a grantor & trustee of Jon Henderson Living Trust in the 75% or more band and a control person, since April 2015.","parent":"Jon Henderson Living Trust"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"1802 Tice Valley BLVD","city":"Walnut Creek","headquarters":true}]}],"brochureServices":["divorce planning","education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"877-432-4645","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":21},{"label":"Securities issued by registered investment companies or business development companies","percent":71},{"label":"Cash and cash equivalents","percent":8}],"privateFunds":0},"sources":{"adv1FilingDate":"23 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/307265/PDF/307265.pdf","brochureDate":"13 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018816","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Echo45 Advisors have?","answer":"Echo45 Advisors has 201 clients and manages $227 million for them, as of September 2026. They include 139 individual clients and 62 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 23 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Echo45 Advisors offer?","answer":"Echo45 Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, divorce planning, education planning, estate planning, insurance, philanthropic planning, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Echo45 Advisors use?","answer":"Echo45 Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $167M and Altruist Financial LLC (Culver City, CA), with $33.1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Echo45 Advisors have?","answer":"Echo45 Advisors has 4 investment adviser representatives registered with state securities authorities, out of 8 employees, and 4 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Echo45 Advisors invest in?","answer":"At the end of its last fiscal year, Echo45 Advisors’ separately managed accounts held 71% registered funds (mutual funds, ETFs, BDCs), 21% exchange-traded equities and 8% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Echo45 Advisors?","answer":"Echo45 Advisors is owned through a trust by Jon Henderson. Its direct owner is Jon Henderson Living Trust (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 23 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Echo45 Advisors get paid?","answer":"Echo45 Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Echo45 Advisors?","answer":"Echo45 Advisors’ main office is at 1802 Tice Valley BLVD, Walnut Creek, CA 94595. Its phone number is 877-432-4645. Its website is echo45advisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 23 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/echo45-advisors-307265/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-13","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1908617/000190861726000005/0001908617-26-000005-index.html","totalValue":193601382,"positionCount":78,"top10Share":0.5403999750373683,"top10":[{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":24962682,"shares":350353,"shareType":"SH","priorValue":22569700,"priorShares":352211},{"issuer":"INVESCO EXCHANGE TRADED FD T","titleOfClass":"S&P500 EQL WGT","cusip":"46137V357","value":18606710,"shares":87450,"shareType":"SH","priorValue":16333149,"priorShares":85104},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":10695105,"shares":179178,"shareType":"SH","priorValue":9373457,"priorShares":173422},{"issuer":"STATE STR SPDR DOW JONES IND","titleOfClass":"UT SER 1","cusip":"78467X109","value":8528308,"shares":16326,"shareType":"SH","priorValue":7264045,"priorShares":15683},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"NASDAQ 100 ETF","cusip":"46138G649","value":8309324,"shares":27426,"shareType":"SH","priorValue":7115691,"priorShares":29946},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"SHORT TRM BOND","cusip":"921937827","value":7567196,"shares":97127,"shareType":"SH","priorValue":7211412,"priorShares":91971},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"EXTEND MKT ETF","cusip":"922908652","value":6992582,"shares":28401,"shareType":"SH","priorValue":5890703,"priorShares":28623},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MCAP VL IDXVIP","cusip":"922908512","value":6751505,"shares":34168,"shareType":"SH","priorValue":6117927,"priorShares":33199},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHORT TERM TREAS","cusip":"92206C102","value":6319544,"shares":108583,"shareType":"SH","priorValue":6059599,"priorShares":103512},{"issuer":"INVESCO ACTVELY MNGD ETC FD","titleOfClass":"OPTIMUM YIELD","cusip":"46090F100","value":5889226,"shares":370858,"shareType":"SH","priorValue":6431616,"priorShares":371340}],"positionsListed":78,"positions":[{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":24962682,"shares":350353,"shareType":"SH","priorValue":22569700,"priorShares":352211},{"issuer":"INVESCO EXCHANGE TRADED FD T","titleOfClass":"S&P500 EQL WGT","cusip":"46137V357","value":18606710,"shares":87450,"shareType":"SH","priorValue":16333149,"priorShares":85104},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":10695105,"shares":179178,"shareType":"SH","priorValue":9373457,"priorShares":173422},{"issuer":"STATE STR SPDR DOW JONES IND","titleOfClass":"UT SER 1","cusip":"78467X109","value":8528308,"shares":16326,"shareType":"SH","priorValue":7264045,"priorShares":15683},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"NASDAQ 100 ETF","cusip":"46138G649","value":8309324,"shares":27426,"shareType":"SH","priorValue":7115691,"priorShares":29946},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"SHORT TRM BOND","cusip":"921937827","value":7567196,"shares":97127,"shareType":"SH","priorValue":7211412,"priorShares":91971},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"EXTEND MKT ETF","cusip":"922908652","value":6992582,"shares":28401,"shareType":"SH","priorValue":5890703,"priorShares":28623},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MCAP VL IDXVIP","cusip":"922908512","value":6751505,"shares":34168,"shareType":"SH","priorValue":6117927,"priorShares":33199},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHORT TERM TREAS","cusip":"92206C102","value":6319544,"shares":108583,"shareType":"SH","priorValue":6059599,"priorShares":103512},{"issuer":"INVESCO ACTVELY MNGD ETC FD","titleOfClass":"OPTIMUM YIELD","cusip":"46090F100","value":5889226,"shares":370858,"shareType":"SH","priorValue":6431616,"priorShares":371340},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST TERM HIGH ETF","cusip":"78468R408","value":5198130,"shares":207676,"shareType":"SH","priorValue":4944097,"priorShares":197922},{"issuer":"VANECK ETF TRUST","titleOfClass":"FALLEN ANGEL HG","cusip":"92189F437","value":5053771,"shares":172838,"shareType":"SH","priorValue":4664512,"priorShares":162413},{"issuer":"NORTHERN LTS FD TR IV","titleOfClass":"MAIN BUYWRITE","cusip":"66538H179","value":4973573,"shares":344192,"shareType":"SH","priorValue":4527160,"priorShares":321531},{"issuer":"NORTHERN LTS FD TR IV","titleOfClass":"MAIN SECTR ROTN","cusip":"66538H591","value":4954148,"shares":68750,"shareType":"SH","priorValue":4235271,"priorShares":70132},{"issuer":"VANGUARD MALVERN FDS","titleOfClass":"CORE BD ETF","cusip":"922020748","value":4914272,"shares":63629,"shareType":"SH","priorValue":4535865,"priorShares":58618},{"issuer":"ISHARES TR","titleOfClass":"RUS 2000 GRW ETF","cusip":"464287648","value":4416169,"shares":11210,"shareType":"SH","priorValue":3737756,"priorShares":11911},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SM CP VAL ETF","cusip":"922908611","value":4346216,"shares":17886,"shareType":"SH","priorValue":3842225,"priorShares":17686},{"issuer":"HARBOR ETF TRUST","titleOfClass":"COMM ALL WEA ETF","cusip":"41151J505","value":4051399,"shares":138084,"shareType":"SH","priorValue":3908407,"priorShares":126037},{"issuer":"ISHARES TR","titleOfClass":"0-5 YR TIPS ETF","cusip":"46429B747","value":3730001,"shares":36511,"shareType":"SH","priorValue":3754256,"priorShares":36298},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"EM MK GOV BD ETF","cusip":"921946885","value":3647323,"shares":54243,"shareType":"SH","priorValue":3410601,"priorShares":51920},{"issuer":"VANECK ETF TRUST","titleOfClass":"URANI NUCLE ETF","cusip":"92189F601","value":2925309,"shares":25223,"shareType":"SH","priorValue":2616647,"priorShares":19646},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":2665412,"shares":9211,"shareType":"SH","priorValue":2959077,"priorShares":11660},{"issuer":"NORTHERN LTS FD TR IV","titleOfClass":"MAIN INTNL ETF","cusip":"66538H237","value":2603146,"shares":85098,"shareType":"SH","priorValue":2369061,"priorShares":83506},{"issuer":"NORTHERN LTS FD TR IV","titleOfClass":"MAIN THEMATC IN","cusip":"66538H278","value":2519806,"shares":80171,"shareType":"SH","priorValue":2027873,"priorShares":87446},{"issuer":"ISHARES TR","titleOfClass":"10-20 YR TRS ETF","cusip":"464288653","value":2422928,"shares":24145,"shareType":"SH","priorValue":2251220,"priorShares":22351},{"issuer":"VANECK ETF TRUST","titleOfClass":"GOLD MINERS ETF","cusip":"92189F106","value":2065044,"shares":27370,"shareType":"SH","priorValue":2062488,"priorShares":22475},{"issuer":"VANECK FDS","titleOfClass":"ONCHAIN ECONOMY","cusip":"92107P780","value":2061557,"shares":47585,"shareType":"SH","priorValue":1546067,"priorShares":47762},{"issuer":"VANECK ETF TRUST","titleOfClass":"RARE EAR STR ETF","cusip":"92189H805","value":2028954,"shares":22926,"shareType":"SH","priorValue":2019204,"priorShares":22946},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":1482544,"shares":7409,"shareType":"SH","priorValue":2100717,"priorShares":12045},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":1448646,"shares":3884,"shareType":"SH","priorValue":1782143,"priorShares":4814},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":1319578,"shares":3692,"shareType":"SH","priorValue":1217725,"priorShares":4235},{"issuer":"VANECK ETF TRUST","titleOfClass":"MRNGSTR WDE MOAT","cusip":"92189F643","value":1316452,"shares":12663,"shareType":"SH","priorValue":1129218,"priorShares":11678},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":1166781,"shares":4895,"shareType":"SH","priorValue":1242505,"priorShares":5966},{"issuer":"VANECK ETF TRUST","titleOfClass":"FABLE SEMIC ETF","cusip":"92189H664","value":1079849,"shares":16902,"shareType":"SH","priorValue":976658,"priorShares":26242},{"issuer":"VANECK ETF TRUST","titleOfClass":"REAL ASSETS ETF","cusip":"92189F130","value":1045656,"shares":26359,"shareType":"SH","priorValue":968354,"priorShares":23787},{"issuer":"BROADCOM INC","titleOfClass":"COM","cusip":"11135F101","value":888903,"shares":2353,"shareType":"SH","priorValue":869540,"priorShares":2809},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":687288,"shares":1220,"shareType":"SH","priorValue":807143,"priorShares":1411},{"issuer":"ANGLOGOLD ASHANTI PLC","titleOfClass":"COM SHS","cusip":"G0378L100","value":624066,"shares":7715,"shareType":"SH"},{"issuer":"COSTCO WHOLESALE CORPORATION","titleOfClass":"COM","cusip":"22160K105","value":575170,"shares":615,"shareType":"SH","priorValue":673405,"priorShares":676},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P TTL STK","cusip":"464287150","value":559996,"shares":3409,"shareType":"SH","priorValue":485544,"priorShares":3409},{"issuer":"TESLA INC","titleOfClass":"COM","cusip":"88160R101","value":550700,"shares":1309,"shareType":"SH","priorValue":572725,"priorShares":1541},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":542249,"shares":1535,"shareType":"SH","priorValue":544655,"priorShares":1899},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":516527,"shares":1578,"shareType":"SH","priorValue":529488,"priorShares":1800},{"issuer":"WALMART INC","titleOfClass":"COM","cusip":"931142103","value":498684,"shares":4403,"shareType":"SH","priorValue":608226,"priorShares":4894},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":490671,"shares":409,"shareType":"SH","priorValue":415805,"priorShares":452},{"issuer":"BITWISE BITCOIN ETF TR","titleOfClass":"SHS BEN INT","cusip":"09174C104","value":489098,"shares":15351,"shareType":"SH","priorValue":650504,"priorShares":17672},{"issuer":"VISA INC","titleOfClass":"COM CL A","cusip":"92826C839","value":451894,"shares":1317,"shareType":"SH","priorValue":429768,"priorShares":1422},{"issuer":"CATERPILLAR INC","titleOfClass":"COM","cusip":"149123101","value":435552,"shares":409,"shareType":"SH","priorValue":304643,"priorShares":430},{"issuer":"MICRON TECHNOLOGY INC","titleOfClass":"COM","cusip":"595112103","value":400789,"shares":347,"shareType":"SH"},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":384800,"shares":769,"shareType":"SH","priorValue":447094,"priorShares":933},{"issuer":"VANECK FDS","titleOfClass":"EMER MARK BD ETF","cusip":"92107P772","value":381606,"shares":7437,"shareType":"SH","priorValue":368802,"priorShares":7360},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":356350,"shares":1403,"shareType":"SH","priorValue":383015,"priorShares":1567},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US BRD MKT ETF","cusip":"808524102","value":345853,"shares":11942,"shareType":"SH","priorValue":299755,"priorShares":11942},{"issuer":"LAM RESEARCH CORP","titleOfClass":"COM NEW","cusip":"512807306","value":339294,"shares":783,"shareType":"SH","priorValue":207937,"priorShares":973},{"issuer":"MASTERCARD INCORPORATED","titleOfClass":"CL A","cusip":"57636Q104","value":336585,"shares":655,"shareType":"SH","priorValue":377105,"priorShares":755},{"issuer":"CHUBB LIMITED","titleOfClass":"COM","cusip":"H1467J104","value":326735,"shares":959,"shareType":"SH","priorValue":291753,"priorShares":895},{"issuer":"APPLIED MATLS INC","titleOfClass":"COM","cusip":"038222105","value":299934,"shares":415,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":295812,"shares":395,"shareType":"SH","priorValue":258018,"priorShares":395},{"issuer":"TAIWAN SEMICONDUCTOR MANUFAC","titleOfClass":"SPONSORED ADS","cusip":"874039100","value":295796,"shares":619,"shareType":"SH","priorValue":244897,"priorShares":725},{"issuer":"BANCO BILBAO VIZCAYA ARGENTA","titleOfClass":"SPONSORED ADR","cusip":"05946K101","value":293127,"shares":11697,"shareType":"SH","priorValue":275320,"priorShares":12711},{"issuer":"HSBC HLDGS PLC","titleOfClass":"SPON ADR NEW","cusip":"404280406","value":289739,"shares":3047,"shareType":"SH","priorValue":263061,"priorShares":3189},{"issuer":"GOLDMAN SACHS GROUP INC","titleOfClass":"COM","cusip":"38141G104","value":280149,"shares":277,"shareType":"SH","priorValue":270717,"priorShares":320},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":278629,"shares":2815,"shareType":"SH","priorValue":279445,"priorShares":2815},{"issuer":"HOME DEPOT INC","titleOfClass":"COM","cusip":"437076102","value":267842,"shares":759,"shareType":"SH","priorValue":293222,"priorShares":892},{"issuer":"ROYAL BK CDA","titleOfClass":"COM","cusip":"780087102","value":257885,"shares":1246,"shareType":"SH","priorValue":203519,"priorShares":1258},{"issuer":"GABELLI DIVID & INCOME TR","titleOfClass":"COM","cusip":"36242H104","value":256192,"shares":8714,"shareType":"SH","priorValue":234668,"priorShares":8714},{"issuer":"SPDR GOLD TR","titleOfClass":"GOLD SHS","cusip":"78463V107","value":249393,"shares":677,"shareType":"SH","priorValue":291306,"priorShares":677},{"issuer":"ADVANCED MICRO DEVICES INC","titleOfClass":"COM","cusip":"007903107","value":236430,"shares":407,"shareType":"SH","priorValue":208516,"priorShares":1025},{"issuer":"EXXON MOBIL CORP","titleOfClass":"COM","cusip":"30231G102","value":235650,"shares":1724,"shareType":"SH","priorValue":303083,"priorShares":1786},{"issuer":"GE AEROSPACE","titleOfClass":"COM NEW","cusip":"369604301","value":227602,"shares":609,"shareType":"SH","priorValue":203463,"priorShares":717},{"issuer":"KLA CORP","titleOfClass":"COM NEW","cusip":"482480100","value":217231,"shares":720,"shareType":"SH"},{"issuer":"THERMO FISHER SCIENTIFIC INC","titleOfClass":"COM","cusip":"883556102","value":214582,"shares":428,"shareType":"SH","priorValue":233585,"priorShares":475},{"issuer":"COCA COLA CO","titleOfClass":"COM","cusip":"191216100","value":208070,"shares":2560,"shareType":"SH","priorValue":205944,"priorShares":2708},{"issuer":"TRIPLE FLAG PRECIOUS METAL","titleOfClass":"COM","cusip":"89679M104","value":208052,"shares":6942,"shareType":"SH","priorValue":236549,"priorShares":6815},{"issuer":"ASE TECHNOLOGY HLDG CO LTD","titleOfClass":"SPONSORED ADS","cusip":"00215W100","value":206289,"shares":4572,"shareType":"SH"},{"issuer":"OREILLY AUTOMOTIVE INC","titleOfClass":"COM","cusip":"67103H107","value":201401,"shares":2187,"shareType":"SH"},{"issuer":"BLACKROCK INC","titleOfClass":"COM","cusip":"09290D101","value":200004,"shares":208,"shareType":"SH","priorValue":223117,"priorShares":232},{"issuer":"JOBY AVIATION INC","titleOfClass":"COMMON STOCK","cusip":"G65163100","value":139917,"shares":15686,"shareType":"SH"}]},"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}