Five Pine Wealth Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Five Pine Wealth Management reports 350 clients. They include 296 individual clients, 49 high-net-worth individuals, and 5 pension and profit-sharing plans. Of its assets, 97.9% ($188M across 955 accounts) are managed with discretion; $4.02M across 5 accounts are not. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 85% | 46% |
| High-net-worth individuals | 14% | 52% |
| Pension and profit-sharing plans | 1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 296 | $88.7M | 46.3% | $300K |
| High-net-worth individuals | 49 | $99M | 51.7% | $2.02M |
| Pension and profit-sharing plans | 5 | $4.02M | 2.1% | $804K |
| Total | 350 | $192M | 100% | $548K |
- Clients
- 296
- Regulatory AUM
- $88.7M
- AUM share
- 46.3%
- Avg. per client
- $300K
- Clients
- 49
- Regulatory AUM
- $99M
- AUM share
- 51.7%
- Avg. per client
- $2.02M
- Clients
- 5
- Regulatory AUM
- $4.02M
- AUM share
- 2.1%
- Avg. per client
- $804K
Total
- Clients
- 350
- Regulatory AUM
- $192M
- AUM share
- 100%
- Avg. per client
- $548K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Five Pine Wealth Management charges 0.50%–1.10% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 1.10% |
| $250K–$500K | 1.00% |
| $500K–$1M | 0.90% |
| $1M–$2M | 0.70% |
| $2M and above | 0.50% |
Fee details and sources
Other fees
- Financial Planning Services
- Planning is billed at up to $350 an hour, or a one-time fee starting at $1,500; ongoing planning is typically $3,000 to $5,000 a year.
- Retirement Planning Services
- Retirement planning fees follow a schedule from 0.75% down to 0.35% of assets, subject to negotiation.
Benjamin Holzhauser owns 50% to 75% of Five Pine Wealth Management. It has 3 employees.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 50% to 75% of Five Pine Wealth Management Inc.
Benjamin Holzhauser
Control person · since January 2021
- Owns 50% to 75% of Five Pine Wealth Management Inc.
Jeremy Morris
Control person · since January 2021
Five Pine Wealth Management’s regulatory assets grew from $131M (July 2024) to $192M (February 2026); clients were 350 in both filings and employees fell from 5 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Feb 2026February 2026 | $192M | 350 | 3 | 1 |
| May 2025May 2025 | $152M | 331 | 5 | 1 |
| Jul 2024July 2024 | $131M | 338 | 5 | 1 |
Besides its headquarters, Five Pine Wealth Management has 0 offices, with 1 listed address in 1 state.
Idaho · 1 listed address
- 250 Northwest BLVD., Suite 111, Coeur D'AleneHQ
Contact and registration details
- Legal name
- Five Pine Wealth Management Inc.
- Headquarters
- 250 Northwest BLVD., Suite 111, Coeur D'Alene, ID 83814
- Website
- fivepinewealth.com
- Phone
- 877-333-1015
- @five-pine-wealth-management
- SEC file
- 801-129131
- Structure
- Idaho corporation
- Fiscal year end
- December
Five Pine Wealth Management’s named custodians for separately managed accounts are Charles Schwab ($162M, 86%) and Altruist ($25.7M, 14%). Five Pine Wealth Management has custody of $47.1M for 117 clients.
- AltruistAltruist Financial LLC · Culver City, CA · $25.7M14%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $162M86%
At year end, Five Pine Wealth Management’s separately managed accounts were mostly in funds (90%). Its reported 13F holdings for the quarter ended 30 June 2026 total $177M across 51 positions; the largest are Vanguard BD Index Fds (13.8%), Vanguard Intl Equity Index F (13.1%) and Vanguard Index Fds (9.3%).
What the accounts hold
- Stocks5%
- Exchange-traded equities3%
- Non-exchange-traded equities2%
- Funds90%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash2%
How many clients does Five Pine Wealth Management have?
Five Pine Wealth Management has 350 clients and manages $192 million for them, as of February 2026. They include 296 individual clients, 49 high-net-worth individuals, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 February 2026
What services does Five Pine Wealth Management offer?
Five Pine Wealth Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Five Pine Wealth Management charge?
Five Pine Wealth Management charges 0.50%–1.10% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: 2026-02-09 FIVE PINE WEALTH FORM ADV PART 2A, filed 9 February 2026
Which custodians does Five Pine Wealth Management use?
Five Pine Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $162M and Altruist Financial LLC (Culver City, CA), with $25.7M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 February 2026
How many financial advisors does Five Pine Wealth Management have?
Five Pine Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 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
What does Five Pine Wealth Management invest in?
At the end of its last fiscal year, Five Pine Wealth Management’s separately managed accounts held 90% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 2% non-exchange-traded equities, 2% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Five Pine Wealth Management?
Five Pine Wealth Management’s direct owners are Benjamin Holzhauser (50% to 75%) and Jeremy Morris (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 9 February 2026
How does Five Pine Wealth Management get paid?
Five Pine Wealth Management 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
How do I contact Five Pine Wealth Management?
Five Pine Wealth Management’s main office is at 250 Northwest BLVD., Suite 111, Coeur D'Alene, ID 83814. Its phone number is 877-333-1015. Its website is fivepinewealth.com.
