{"url":"https://nivawealth.com/firms/fsc-wealth-advisors-154382","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/154382","regulatoryAum":122275982,"crd":"154382","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7496117","suffix":null,"lastName":"Arcara","firstName":"Elizabeth","middleName":"Tatis"},{"crd":"6220665","suffix":null,"lastName":"COMBLO","firstName":"JAMES","middleName":"MICHAEL"},{"crd":"1086020","suffix":null,"lastName":"SCOTT","firstName":"JEFFREY","middleName":"ARNOLD"}],"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":181208092,"clients":1181,"employees":9,"offices":3},{"filedOn":"2022-03-29","regulatoryAum":218416822,"clients":1086,"employees":5,"offices":3},{"filedOn":"2023-04-06","regulatoryAum":220611172,"clients":1160,"employees":6,"offices":3},{"filedOn":"2024-03-14","regulatoryAum":248663333,"clients":1175,"employees":5,"offices":3},{"filedOn":"2025-03-06","regulatoryAum":283104630,"clients":1180,"employees":5,"offices":3},{"filedOn":"2026-03-30","regulatoryAum":122275982,"clients":688,"employees":5,"offices":3}],"secFileNumber":"801-71646","legalName":"FSC Wealth Advisors, LLC","displayName":"FSC Wealth Advisors","slug":"fsc-wealth-advisors-154382","website":"https://fscwealthadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/fsc-wealth-advisors-llc","xUrl":"https://twitter.com/fscwealth","founded":null,"organization":"New York limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1 Summit Court, Suite 100","city":"Fishkill","state":"NY","stateName":"New York","country":"United States","postalCode":"12524"},"tradeNames":[],"registration":{"secApproved":"11 August 2010","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":132983.306122449,"staff":{"employees":5,"advisory":5,"brokerDealerReps":5,"insuranceAgents":4,"promoters":2},"aum":{"regulatory":122275982,"discretionary":122275982,"discretionaryAccounts":879,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":677,"regulatoryAum":79423223},{"label":"High-net-worth individuals","clients":9,"regulatoryAum":11803325},{"label":"Pooled investment vehicles","clients":2,"regulatoryAum":30559043},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":490391}],"feePrograms":[{"role":"other","program":"Hourly Financial Planning and Advice","summary":"Hourly fee with a maximum rate of $275 an hour, depending on the complexity of the issue.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031726","versionId":1031726,"submittedOn":"2026-03-30","documentName":"FSC WEALTH ADVISORS, ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T09:32:38.025489+00:00","documents":[{"name":"FSC WEALTH ADVISORS, ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031726","versionId":1031726,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":45140642},{"name":"Broadridge Business Process Outsourcing, LLC","shortName":"Broadridge Business Process Outsourcing","location":"Edgewood, NY","smaAssets":46576297},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":30559043}],"custodyNote":"FSC Wealth Advisors has custody of $21.6M in client assets for 59 clients.","otherCustodians":[],"leadership":[{"name":"James Comblo","title":"Managing Member & Chief Compliance Officer","crd":"6220665"}],"ownership":[{"label":"James Comblo","detail":"Managing member & chief compliance officer in the 75% or more ownership band and a control person, since January 2018."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":0},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"Connecticut","offices":1,"addresses":[{"street":"711 Broad Street","city":"Waterford"}]},{"state":"New York","offices":2,"addresses":[{"street":"1 Summit Court, Suite 100","city":"Fishkill","headquarters":true},{"street":"11 Watkins Avenue","city":"Oneonta"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"845-297-0300","stateRegisteredReps":5,"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)","Educational seminars/workshops"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":69},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":25},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/154382/PDF/154382.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031726","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 FSC Wealth Advisors have?","answer":"FSC Wealth Advisors has 688 clients and manages $122 million for them, as of March 2026. They include 677 individual clients, 9 high-net-worth individuals and 2 pooled investment vehicles.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does FSC Wealth Advisors offer?","answer":"FSC Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, 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 FSC Wealth Advisors use?","answer":"FSC Wealth Advisors’ separately managed account assets are held at Broadridge Business Process Outsourcing, LLC (Edgewood, NY), with $46.6M, National Financial Services LLC (Boston, MA), with $45.1M and Charles Schwab & Co., Inc. (Westlake, TX), with $30.6M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does FSC Wealth Advisors have?","answer":"FSC Wealth Advisors has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 4 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 FSC Wealth Advisors invest in?","answer":"At the end of its last fiscal year, FSC Wealth Advisors’ separately managed accounts held 69% registered funds (mutual funds, ETFs, BDCs), 25% pooled vehicles (private funds and similar), 5% cash and equivalents and 2% exchange-traded equities.","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 FSC Wealth Advisors?","answer":"FSC Wealth Advisors’ direct owner is James Comblo (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does FSC Wealth Advisors get paid?","answer":"FSC Wealth 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 FSC Wealth Advisors?","answer":"FSC Wealth Advisors’ main office is at 1 Summit Court, Suite 100, Fishkill, NY 12524. Its phone number is 845-297-0300. Its website is fscwealthadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/fsc-wealth-advisors-154382/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-30","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1925685/000192568526000004/0001925685-26-000004-index.html","totalValue":513337,"positionCount":1,"top10Share":1,"top10":[{"issuer":"INVESCO ACTVELY MNGD ETC FD","titleOfClass":"OPTIMUM YIELD","cusip":"46090F100","value":513337,"shares":32326,"shareType":"SH","priorValue":627557,"priorShares":36233}],"positionsListed":1,"positions":[{"issuer":"INVESCO ACTVELY MNGD ETC FD","titleOfClass":"OPTIMUM YIELD","cusip":"46090F100","value":513337,"shares":32326,"shareType":"SH","priorValue":627557,"priorShares":36233}]},"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."}