{"url":"https://nivawealth.com/firms/fiduciary-experts-146721","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/146721","regulatoryAum":985760522,"crd":"146721","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6607095","suffix":null,"lastName":"Larios","firstName":"Emmy","middleName":null},{"crd":"7483427","suffix":null,"lastName":"Larios Gonzalez","firstName":"Eddie","middleName":null},{"crd":"4215904","suffix":null,"lastName":"THOMAS","firstName":"MARIBEL","middleName":"LARIOS"}],"total":3,"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":"2021-03-31","regulatoryAum":582072661,"clients":49,"employees":2,"offices":1},{"filedOn":"2022-04-28","regulatoryAum":705114565,"clients":49,"employees":3,"offices":1},{"filedOn":"2023-03-16","regulatoryAum":598254694,"clients":54,"employees":3,"offices":1},{"filedOn":"2024-03-26","regulatoryAum":744394982,"clients":64,"employees":3,"offices":1},{"filedOn":"2025-02-04","regulatoryAum":890644534,"clients":67,"employees":3,"offices":1},{"filedOn":"2026-05-19","regulatoryAum":985760522,"clients":75,"employees":3,"offices":2}],"secFileNumber":"801-107816","legalName":"Fiduciary Experts LLC","displayName":"Fiduciary Experts","slug":"fiduciary-experts-146721","website":"https://401kfe.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/146721/2b90faf0447b2693-r1.webp","tone":"light","width":495,"height":200,"sourceUrl":"https://401kfe.com/","sourceLabel":"Fiduciary Experts LLC, website"},"classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_asset_manager","typeLabel":"Asset manager","feeDisclosure":"payment_only"},"founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":["Fiduciary Experts LLC"],"registration":{"secApproved":"16 May 2016","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":99399.43478260869,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":985760522,"discretionary":595819990,"discretionaryAccounts":14,"nonDiscretionary":389940532,"nonDiscretionaryAccounts":75,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":46,"regulatoryAum":4572374},{"label":"Pension and profit-sharing plans","clients":6,"regulatoryAum":256828452},{"label":"State or municipal government entities","clients":23,"regulatoryAum":724359696}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":255000000},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":4800000},{"name":"Vanguard Group","shortName":"Vanguard Group","location":"Malvern, PA","smaAssets":2300000}],"custodyNote":"Fiduciary Experts does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Maribel Thomas","title":"CCO","crd":"4215904"},{"name":"Maribel Thomas","title":"CEO","crd":"4215904"}],"ownership":[{"label":"Maribel Thomas","detail":"Ceo in the 75% or more ownership band and a control person, since February 2008. Also cco in the 75% or more ownership band and a control person, since February 2008."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"951-412-6283","stateRegisteredReps":3,"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","Portfolio management for pooled investment vehicles (other than investment companies)","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":97},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"19 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/146721/PDF/146721.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Fiduciary Experts have?","answer":"Fiduciary Experts has 75 clients and manages $986 million for them, as of May 2026. They include 46 individuals, 23 state or municipal government entities, and 6 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 19 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Fiduciary Experts offer?","answer":"Fiduciary Experts provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, portfolio management for institutions, pension consulting, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Fiduciary Experts use?","answer":"Fiduciary Experts’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $255M, Charles Schwab & Co., Inc. (Westlake, TX), with $4.8M and Vanguard Group (Malvern, PA), with $2.3M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Fiduciary Experts have?","answer":"Fiduciary Experts has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are 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 Fiduciary Experts invest in?","answer":"At the end of its last fiscal year, Fiduciary Experts’ separately managed accounts held 97% registered funds (mutual funds, ETFs, BDCs) and 3% 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 Fiduciary Experts?","answer":"Fiduciary Experts’ direct owner is Maribel Thomas (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 19 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Fiduciary Experts get paid?","answer":"Fiduciary Experts 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 Fiduciary Experts?","answer":"Its phone number is 951-412-6283. Its website is 401kfe.com.","source":"Form ADV Part 1A, Item 1.F, filed 19 May 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"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."}