{"url":"https://nivawealth.com/firms/findec-wealth-services-311949","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/311949","regulatoryAum":627905000,"crd":"311949","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8089706","suffix":null,"lastName":"KLOPPING","firstName":"ERIC","middleName":"CHARLES"},{"crd":"7342972","suffix":null,"lastName":"PAITA","firstName":"RUBEN","middleName":null}],"total":2,"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":"2021-06-15","regulatoryAum":791128672,"clients":665,"employees":8,"offices":3},{"filedOn":"2022-05-12","regulatoryAum":864012538,"clients":733,"employees":10,"offices":3},{"filedOn":"2023-03-16","regulatoryAum":780025545,"clients":949,"employees":4,"offices":1},{"filedOn":"2024-06-04","regulatoryAum":963900000,"clients":845,"employees":4,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":770564000,"clients":770,"employees":4,"offices":1},{"filedOn":"2026-03-23","regulatoryAum":627905000,"clients":597,"employees":5,"offices":1}],"secFileNumber":"801-120139","legalName":"Findec Wealth Services, Inc.","displayName":"FinDec Wealth Services","slug":"findec-wealth-services-311949","website":"https://findec.com/","classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_wealth_manager","typeLabel":"OCIO / institutional wealth","feeDisclosure":"payment_only"},"linkedinUrl":"https://linkedin.com/company/18605066/admin/","founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"1776 W. March Lane, Suite 190","city":"Stockton","state":"CA","stateName":"California","country":"United States","postalCode":"95207"},"tradeNames":[],"registration":{"secApproved":"11 January 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":348985.4651162791,"staff":{"employees":5,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":2},"aum":{"regulatory":627905000,"discretionary":627905000,"discretionaryAccounts":822,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":306,"regulatoryAum":54561000},{"label":"High-net-worth individuals","clients":38,"regulatoryAum":65490000},{"label":"Pension and profit-sharing plans","clients":238,"regulatoryAum":490223000},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":1402000},{"label":"State or municipal government entities","clients":11,"regulatoryAum":15736000},{"label":"Corporations and other businesses","clients":2,"fewerThan5":true,"regulatoryAum":493000}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":135655000},{"name":"Charles Schwab Trust Bank","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":490611000}],"custodyNote":"FinDec Wealth Services has custody of $37.9M in client assets for 101 clients.","otherCustodians":[],"leadership":[{"name":"Michael Lee","title":"President & Chief Executive Officer","crd":"3221162"},{"name":"Kenneth Herold","title":"Chief Compliance Officer","crd":"2695760"}],"ownership":[{"label":"Findec Co.","detail":"Parent company in the 75% or more ownership band and a control person, since October 2020."},{"label":"Michael Lee","detail":"Indirect owner: a president & chief executive officer of Findec Co. in the 50% to 75% band and a control person, since October 2020.","parent":"Findec Co."},{"label":"Kevin Mahoney","detail":"Indirect owner: a shareholder of Findec Co. in the 25% to 50% band and a control person, since October 2020.","parent":"Findec Co."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"1776 W. March Lane, Suite 190","city":"Stockton","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"209-957-7413","stateRegisteredReps":2,"otherAdviserReps":1,"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 businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":70},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":27},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"23 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/311949/PDF/311949.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 FinDec Wealth Services have?","answer":"FinDec Wealth Services has 597 clients and manages $628 million for them, as of March 2026. They include 306 individual clients, 238 pension and profit-sharing plans, and 38 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does FinDec Wealth Services offer?","answer":"FinDec Wealth Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.","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 FinDec Wealth Services use?","answer":"FinDec Wealth Services’ separately managed account assets are held at Charles Schwab Trust Bank (Westlake, TX), with $491M and Charles Schwab & Co., Inc. (Westlake, TX), with $136M. 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 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does FinDec Wealth Services have?","answer":"FinDec Wealth Services has 2 investment adviser representatives registered with state securities authorities, out of 5 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 FinDec Wealth Services invest in?","answer":"At the end of its last fiscal year, FinDec Wealth Services’ separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 27% pooled vehicles (private funds and similar), 1% exchange-traded equities, 1% U.S. government and agency bonds and 1% 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 FinDec Wealth Services?","answer":"FinDec Wealth Services is owned through a holding company by Michael Lee and Kevin Mahoney. Its direct owner is Findec Co. (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does FinDec Wealth Services get paid?","answer":"FinDec Wealth Services 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 FinDec Wealth Services?","answer":"FinDec Wealth Services’ main office is at 1776 W. March Lane, Suite 190, Stockton, CA 95207. Its phone number is 209-957-7413. Its website is findec.com.","source":"Form ADV Part 1A, Item 1.F, filed 23 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/findec-wealth-services-311949/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-06","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1916066/000117266126003109/0001172661-26-003109-index.html","totalValue":84649172,"positionCount":32,"top10Share":0.8713825222058876,"top10":[{"issuer":"CAPITAL GRP FIXED INCM ETF T","titleOfClass":"CORE PLUS INCM","cusip":"14020Y102","value":15083949,"shares":676714,"shareType":"SH","priorValue":14398617,"priorShares":644522},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP GR ETF","cusip":"808524300","value":11320589,"shares":334533,"shareType":"SH","priorValue":10757543,"priorShares":369294},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US LARG VALU 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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."}