{"url":"https://nivawealth.com/firms/individual-asset-management-123418","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/123418","regulatoryAum":173098000,"crd":"123418","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4987239","suffix":null,"lastName":"CLARK","firstName":"SHANE","middleName":"K"},{"crd":"2518654","suffix":null,"lastName":"SCHWARTZ","firstName":"SCOTT","middleName":"ALAN"},{"crd":"2591461","suffix":null,"lastName":"THOMAS","firstName":"LAURA","middleName":"B"},{"crd":"1122844","suffix":null,"lastName":"WELLMAN","firstName":"MARIAN","middleName":"THOMPSON"},{"crd":"4595081","suffix":null,"lastName":"ZACHYSTAL","firstName":"DUSAN","middleName":"THOMAS"}],"total":5,"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":"2025-03-13","regulatoryAum":106000000,"clients":149,"employees":5,"offices":1},{"filedOn":"2026-03-27","regulatoryAum":173098000,"clients":190,"employees":5,"offices":1}],"secFileNumber":"801-132369","legalName":"Individual Asset Management, Inc","displayName":"Individual Asset Management","slug":"individual-asset-management-123418","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"411 Borel Avenue, Suite 502","city":"San Mateo","state":"CA","stateName":"California","country":"United States","postalCode":"94402"},"tradeNames":["International Asset Management"],"registration":{"secApproved":"11 April 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":910547.8723404255,"staff":{"employees":5,"advisory":5,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":173098000,"discretionary":173098000,"discretionaryAccounts":424,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":77,"nonAumClients":2},"clientTypes":[{"label":"Individuals (other than HNW)","clients":133,"regulatoryAum":65420000},{"label":"High-net-worth individuals","clients":55,"regulatoryAum":105763000},{"label":"Corporations and other businesses","clients":2,"fewerThan5":true,"regulatoryAum":1915000}],"feePrograms":[{"role":"other","program":"Financial planning","summary":"Standalone financial planning is a flat fee of $1,500 to $3,000 by complexity and mutual agreement, with a 50% retainer; yearly plan updates cost $500.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028014","versionId":1028014,"submittedOn":"2026-03-26","documentName":"ADV PARTS 2A AND 2B BROCHURE (2022)"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T12:40:50.387619+00:00","documents":[{"name":"ADV PARTS 2A AND 2B BROCHURE (2022)","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028014","versionId":1028014,"submittedOn":"2026-03-26"}]},"custodians":[{"name":"Interactive Brokers Corp.","shortName":"Interactive Brokers","location":"Greenwich, CT","smaAssets":64168000},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":109929000}],"custodyNote":"Individual Asset Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Dusan Zachystal","title":"CEO/CCO","crd":"4595081"}],"ownership":[{"label":"Dusan Zachystal","detail":"Ceo/cco in the 75% or more ownership band and a control person, since September 2002."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"411 Borel Avenue, Suite 502","city":"San Mateo","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"415-358-0138","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)","Performance-based fees"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":38},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":49},{"label":"Cash and cash equivalents","percent":12}],"privateFunds":0},"sources":{"adv1FilingDate":"27 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/123418/PDF/123418.pdf","brochureDate":"26 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028014","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 Individual Asset Management have?","answer":"Individual Asset Management has 190 clients and manages $173 million for them, as of March 2026. They include 133 individual clients, 55 high-net-worth individuals, and 2 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Individual Asset Management offer?","answer":"Individual Asset Management provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","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 Individual Asset Management use?","answer":"Individual Asset Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $110M and Interactive Brokers Corp. (Greenwich, CT), with $64.2M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Individual Asset Management have?","answer":"Individual Asset Management has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Individual Asset Management invest in?","answer":"At the end of its last fiscal year, Individual Asset Management’s separately managed accounts held 49% registered funds (mutual funds, ETFs, BDCs), 38% exchange-traded equities, 12% cash and equivalents and 1% U.S. government and agency 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 Individual Asset Management?","answer":"Individual Asset Management’s direct owner is Dusan Zachystal (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Individual Asset Management get paid?","answer":"Individual Asset Management is paid through a percentage of assets under management, fixed fees and performance-based fees. Its Form ADV lists no commissions 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 Individual Asset Management?","answer":"Individual Asset Management’s main office is at 411 Borel Avenue, Suite 502, San Mateo, CA 94402. Its phone number is 415-358-0138.","source":"Form ADV Part 1A, Item 1.F, filed 27 March 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."}