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The fee is billed in arrears and is negotiable.","source":"2026-02-09 FIVE PINE WEALTH FORM ADV PART 2A, filed 9 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Five Pine Wealth Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Five Pine Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Five Pine Wealth Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Five Pine Wealth Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Five Pine Wealth Management get paid?","answer":"Five Pine Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. 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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."}