{"url":"https://nivawealth.com/firms/joel-adams-and-associates-319379","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/319379","regulatoryAum":305575796,"crd":"319379","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6379479","suffix":null,"lastName":"CREECH","firstName":"BRAY","middleName":null},{"crd":"5854333","suffix":null,"lastName":"GOODWIN","firstName":"JESSIE","middleName":"MARIE"},{"crd":"7683777","suffix":null,"lastName":"Storck","firstName":"Chad","middleName":"Thomas"}],"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":"2022-05-24","regulatoryAum":0,"clients":0,"employees":4,"offices":1},{"filedOn":"2023-01-17","regulatoryAum":207416522,"clients":274,"employees":3,"offices":1},{"filedOn":"2024-04-24","regulatoryAum":244444899,"clients":258,"employees":3,"offices":2},{"filedOn":"2025-01-28","regulatoryAum":282097570,"clients":274,"employees":3,"offices":2},{"filedOn":"2026-02-26","regulatoryAum":305575796,"clients":284,"employees":3,"offices":2}],"secFileNumber":"801-123660","legalName":"Joel Adams and Associates Inc.","displayName":"Joel Adams and Associates","slug":"joel-adams-and-associates-319379","website":"https://joeladamsasheville.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"1994","organization":"North Carolina corporation","fiscalYearEnd":"December","headquarters":{"street":"545 Merrimon Avenue","city":"Asheville","state":"NC","stateName":"North Carolina","country":"United States","postalCode":"28804"},"tradeNames":[],"registration":{"secApproved":"8 April 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":985468.1371841155,"staff":{"employees":3,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":305575796,"discretionary":305575796,"discretionaryAccounts":1452,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":305575796,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":233,"regulatoryAum":93767362},{"label":"High-net-worth individuals","clients":44,"regulatoryAum":179207312},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":2443683},{"label":"Charitable organizations","clients":7,"regulatoryAum":29160387},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":997052}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012238","versionId":1012238,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-26","documentName":"ADAMS AND ASSOCIATES DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS","fee_rate_low":0.75,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Hourly fees of $200 to $500 an hour, or a fixed fee negotiated from the expected hours; up to 50% of the expected fee may be invoiced on signing.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012238","versionId":1012238,"submittedOn":"2026-02-26","documentName":"ADAMS AND ASSOCIATES DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:11:38.475161+00:00","documents":[{"name":"ADAMS AND ASSOCIATES DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012238","versionId":1012238,"submittedOn":"2026-02-26"}]},"custodians":[{"name":"Raymond James & Associates, Inc.","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":305575796}],"custodyNote":"Joel Adams and Associates has custody of $2.76M in client assets for 10 clients.","otherCustodians":[],"leadership":[{"name":"Bray Creech","title":"Principal and Chief Compliance Officer","crd":"6379479"},{"name":"Chad Storck","title":"Principal","crd":"7683777"}],"ownership":[{"label":"Bray Creech","detail":"Principal and chief compliance officer in the 50% to 75% ownership band and a control person, since March 2022."},{"label":"Chad Storck","detail":"Principal in the 50% to 75% ownership band and a control person, since December 2022."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"New York","offices":1,"addresses":[{"street":"33 W. 60th St.","city":"New York"}]},{"state":"North Carolina","offices":1,"addresses":[{"street":"545 Merrimon Avenue","city":"Asheville","headquarters":true}]}],"brochureServices":["education planning","insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"828-251-9700","stateRegisteredReps":2,"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","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":44},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":37},{"label":"Cash and cash equivalents","percent":18}],"privateFunds":0},"sources":{"adv1FilingDate":"26 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/319379/PDF/319379.pdf","brochureDate":"26 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012238","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 Joel Adams and Associates have?","answer":"Joel Adams and Associates has 284 clients and manages $306 million for them, as of February 2026. They include 233 individual clients, 44 high-net-worth individuals and 7 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Joel Adams and Associates offer?","answer":"Joel Adams and Associates provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, and insurance.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Joel Adams and Associates charge?","answer":"Joel Adams and Associates charges 0.75%–1.25% a year for its Wealth Management Services. The fee is billed in advance and is negotiable.","source":"ADAMS AND ASSOCIATES DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS, filed 26 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Joel Adams and Associates use?","answer":"Joel Adams and Associates’ separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $306M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Joel Adams and Associates have?","answer":"Joel Adams and Associates has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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 Joel Adams and Associates invest in?","answer":"At the end of its last fiscal year, Joel Adams and Associates’ separately managed accounts held 44% exchange-traded equities, 37% registered funds (mutual funds, ETFs, BDCs), 18% 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 Joel Adams and Associates?","answer":"Joel Adams and Associates’ direct owners are Bray Creech (50% to 75%) and Chad Storck (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 26 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Joel Adams and Associates get paid?","answer":"Joel Adams and Associates 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 Joel Adams and Associates?","answer":"Joel Adams and Associates’ main office is at 545 Merrimon Avenue, Asheville, NC 28804. Its phone number is 828-251-9700. Its website is joeladamsasheville.com.","source":"Form ADV Part 1A, Item 1.F, filed 26 February 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."}