{"url":"https://nivawealth.com/firms/lwm-advisors-146620","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/146620","regulatoryAum":172213327,"crd":"146620","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4853916","suffix":null,"lastName":"HASKINS","firstName":"MICHAEL","middleName":"BRIAN"},{"crd":"6640767","suffix":null,"lastName":"Henley","firstName":"William","middleName":"Dalton"},{"crd":"2877627","suffix":null,"lastName":"LARSEN","firstName":"KAYLE","middleName":"ERIK"}],"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":"2023-06-06","regulatoryAum":0,"clients":0,"employees":3,"offices":2},{"filedOn":"2024-03-27","regulatoryAum":120351616,"clients":125,"employees":3,"offices":2},{"filedOn":"2025-06-06","regulatoryAum":148660571,"clients":128,"employees":3,"offices":1},{"filedOn":"2026-03-05","regulatoryAum":172213327,"clients":124,"employees":3,"offices":1}],"secFileNumber":"801-127193","legalName":"LWM Advisors Inc","displayName":"LWM Advisors","slug":"lwm-advisors-146620","website":"https://larsenwealthmanagement.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"5180 Golden Foothill Pkwy, Ste 220","city":"El Dorado Hills","state":"CA","stateName":"California","country":"United States","postalCode":"95762"},"tradeNames":[],"registration":{"secApproved":"1 December 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1378878.2416666667,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":172213327,"discretionary":172213327,"discretionaryAccounts":616,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":75,"regulatoryAum":55887290},{"label":"High-net-worth individuals","clients":45,"regulatoryAum":109578099},{"label":"Pension and profit-sharing plans","clients":2,"fewerThan5":true,"regulatoryAum":0},{"label":"Corporations and other businesses","clients":2,"fewerThan5":true,"regulatoryAum":6747938}],"feePrograms":[{"role":"main","program":"Ongoing financial planning and portfolio management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014776","versionId":1014776,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-05","documentName":"FORM ADV PART 2A - LWM ADVISORS, INC. DBA LARSEN WEALTH MANAGEMENT","fee_rate_low":0.7,"fee_rate_high":2,"fee_negotiable":null,"minimum_account":250000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Initial financial planning","summary":"Fixed fee of $1,500 to $2,500 to create the client's financial plan, paid 100% in advance, never more than six months ahead.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014776","versionId":1014776,"submittedOn":"2026-03-05","documentName":"FORM ADV PART 2A - LWM ADVISORS, INC. DBA LARSEN WEALTH MANAGEMENT"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:43:46.235234+00:00","documents":[{"name":"FORM ADV PART 2A - LWM ADVISORS, INC. DBA LARSEN WEALTH MANAGEMENT","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014776","versionId":1014776,"submittedOn":"2026-03-05"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":172213327}],"custodyNote":"LWM Advisors has custody of $66M for 120 clients.","otherCustodians":[],"leadership":[{"name":"Kayle Larsen","title":"President","crd":"2877627"},{"name":"Michael Haskins","title":"Chief Compliance Officer","crd":"4853916"}],"ownership":[{"label":"Kayle Larsen","detail":"President in the 75% or more ownership band and a control person, since April 2022."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"5180 Golden Foothill Pkwy, Ste 220","city":"El Dorado Hills","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"916-939-6860","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":96},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"5 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/146620/PDF/146620.pdf","brochureDate":"5 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014776","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 LWM Advisors have?","answer":"LWM Advisors has 124 clients and manages $172 million for them, as of March 2026. They include 75 individual clients, 45 high-net-worth individuals, and 2 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does LWM Advisors offer?","answer":"LWM Advisors provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does LWM Advisors charge?","answer":"LWM Advisors charges 0.70%–2.00% a year for its Ongoing financial planning and portfolio management. The fee is billed in advance and requires an account of at least $250,000.","source":"FORM ADV PART 2A - LWM ADVISORS, INC. DBA LARSEN WEALTH MANAGEMENT, filed 5 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does LWM Advisors use?","answer":"LWM Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $172M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does LWM Advisors have?","answer":"LWM Advisors has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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 LWM Advisors invest in?","answer":"At the end of its last fiscal year, LWM Advisors’ separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 2% exchange-traded equities, 1% investment grade corporate bonds and 1% cash and equivalents.","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":"Does LWM Advisors have a minimum investment?","answer":"Yes, LWM Advisors’ minimum account size for its Ongoing financial planning and portfolio management is $250K.","source":"FORM ADV PART 2A - LWM ADVISORS, INC. DBA LARSEN WEALTH MANAGEMENT, filed 5 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns LWM Advisors?","answer":"LWM Advisors’ direct owner is Kayle Larsen (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does LWM Advisors get paid?","answer":"LWM Advisors is paid through a percentage of assets under management 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 LWM Advisors?","answer":"LWM Advisors’ main office is at 5180 Golden Foothill Pkwy, Ste 220, El Dorado Hills, CA 95762. Its phone number is 916-939-6860. Its website is larsenwealthmanagement.com.","source":"Form ADV Part 1A, Item 1.F, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/lwm-advisors-146620/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-09","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2067328/000208585326000680/0002085853-26-000680-index.html","totalValue":134110628,"positionCount":37,"top10Share":0.8927010467805728,"top10":[{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 VAL ETF","cusip":"464287598","value":30906714,"shares":127487,"shareType":"SH","priorValue":26771602,"priorShares":125294},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 GRW ETF","cusip":"464287614","value":26038587,"shares":209701,"shareType":"SH","priorValue":22062169,"priorShares":51740},{"issuer":"ISHARES TR","titleOfClass":"MSCI EAFE ETF","cusip":"464287465","value":14522423,"shares":139800,"shareType":"SH","priorValue":13663279,"priorShares":140670},{"issuer":"ISHARES TR","titleOfClass":"1 3 YR TREAS BD","cusip":"464287457","value":10010394,"shares":121914,"shareType":"PRN","priorValue":8860874,"priorShares":107313},{"issuer":"ISHARES TR","titleOfClass":"RUS 2000 GRW ETF","cusip":"464287648","value":9124310,"shares":23160,"shareType":"SH","priorValue":7299343,"priorShares":23260},{"issuer":"ISHARES TR","titleOfClass":"RUS 2000 VAL ETF","cusip":"464287630","value":8516237,"shares":38500,"shareType":"SH","priorValue":7352603,"priorShares":38781},{"issuer":"ISHARES TR","titleOfClass":"MSCI EMG MKT ETF","cusip":"464287234","value":6880197,"shares":100573,"shareType":"SH","priorValue":5898780,"priorShares":103870},{"issuer":"ISHARES TR","titleOfClass":"RUS MDCP VAL ETF","cusip":"464287473","value":5176013,"shares":31446,"shareType":"SH","priorValue":4768978,"priorShares":32723},{"issuer":"ISHARES TR","titleOfClass":"RUS MD CP GR ETF","cusip":"464287481","value":4619296,"shares":31550,"shareType":"SH","priorValue":3971608,"priorShares":30999},{"issuer":"ISHARES TR","titleOfClass":"IBOXX INV CP ETF","cusip":"464287242","value":3926527,"shares":36000,"shareType":"PRN","priorValue":3699673,"priorShares":33945}],"positionsListed":37,"positions":[{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 VAL ETF","cusip":"464287598","value":30906714,"shares":127487,"shareType":"SH","priorValue":26771602,"priorShares":125294},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 GRW ETF","cusip":"464287614","value":26038587,"shares":209701,"shareType":"SH","priorValue":22062169,"priorShares":51740},{"issuer":"ISHARES TR","titleOfClass":"MSCI EAFE ETF","cusip":"464287465","value":14522423,"shares":139800,"shareType":"SH","priorValue":13663279,"priorShares":140670},{"issuer":"ISHARES TR","titleOfClass":"1 3 YR TREAS BD","cusip":"464287457","value":10010394,"shares":121914,"shareType":"PRN","priorValue":8860874,"priorShares":107313},{"issuer":"ISHARES TR","titleOfClass":"RUS 2000 GRW ETF","cusip":"464287648","value":9124310,"shares":23160,"shareType":"SH","priorValue":7299343,"priorShares":23260},{"issuer":"ISHARES TR","titleOfClass":"RUS 2000 VAL ETF","cusip":"464287630","value":8516237,"shares":38500,"shareType":"SH","priorValue":7352603,"priorShares":38781},{"issuer":"ISHARES TR","titleOfClass":"MSCI EMG MKT ETF","cusip":"464287234","value":6880197,"shares":100573,"shareType":"SH","priorValue":5898780,"priorShares":103870},{"issuer":"ISHARES TR","titleOfClass":"RUS MDCP VAL ETF","cusip":"464287473","value":5176013,"shares":31446,"shareType":"SH","priorValue":4768978,"priorShares":32723},{"issuer":"ISHARES TR","titleOfClass":"RUS MD CP GR ETF","cusip":"464287481","value":4619296,"shares":31550,"shareType":"SH","priorValue":3971608,"priorShares":30999},{"issuer":"ISHARES TR","titleOfClass":"IBOXX INV CP ETF","cusip":"464287242","value":3926527,"shares":36000,"shareType":"PRN","priorValue":3699673,"priorShares":33945},{"issuer":"ISHARES TR","titleOfClass":"7-10 YR TRSY BD","cusip":"464287440","value":3159681,"shares":33411,"shareType":"PRN","priorValue":2822734,"priorShares":29576},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":1290526,"shares":13362,"shareType":"SH","priorValue":874066,"priorShares":9655},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":1142220,"shares":3948,"shareType":"SH","priorValue":1001420,"priorShares":3946},{"issuer":"ISHARES TR","titleOfClass":"ESG MSCI KLD ETF","cusip":"464288570","value":619681,"shares":4352,"shareType":"SH","priorValue":527418,"priorShares":4352},{"issuer":"ISHARES INC","titleOfClass":"CORE MSCI EMKT","cusip":"46434G103","value":595143,"shares":7184,"shareType":"SH","priorValue":376931,"priorShares":5404},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR NYSE TECH","cusip":"78464A102","value":560192,"shares":1434,"shareType":"SH","priorValue":366071,"priorShares":1434},{"issuer":"VANGUARD WORLD FD","titleOfClass":"MEGA GRWTH IND","cusip":"921910816","value":521042,"shares":5927,"shareType":"SH","priorValue":470324,"priorShares":1280},{"issuer":"VANGUARD WORLD FD","titleOfClass":"MEGA CAP VAL ETF","cusip":"921910840","value":519771,"shares":3180,"shareType":"SH","priorValue":482103,"priorShares":3326},{"issuer":"ISHARES TR","titleOfClass":"MSCI ACWI ETF","cusip":"464288257","value":427429,"shares":2723,"shareType":"SH","priorValue":380933,"priorShares":2753},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP VA ETF","cusip":"808524409","value":401310,"shares":11529,"shareType":"SH","priorValue":351216,"priorShares":11515},{"issuer":"ISHARES TR","titleOfClass":"ESG AWARE MSCI","cusip":"46435U663","value":382226,"shares":6834,"shareType":"SH","priorValue":321335,"priorShares":6834},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MCAP GR IDXVIP","cusip":"922908538","value":375061,"shares":1224,"shareType":"SH","priorValue":311482,"priorShares":1210},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MCAP VL IDXVIP","cusip":"922908512","value":371178,"shares":1878,"shareType":"SH","priorValue":353190,"priorShares":1917},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SM CP VAL ETF","cusip":"922908611","value":366671,"shares":1509,"shareType":"SH","priorValue":336088,"priorShares":1547},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":350539,"shares":476,"shareType":"SH","priorValue":282252,"priorShares":489},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"ALLWRLD EX US","cusip":"922042775","value":330815,"shares":3950,"shareType":"SH","priorValue":339227,"priorShares":4517},{"issuer":"ISHARES INC","titleOfClass":"MSCI EMRG CHN","cusip":"46434G764","value":321324,"shares":3141,"shareType":"SH","priorValue":282232,"priorShares":3588},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP GR ETF","cusip":"808524300","value":315762,"shares":9331,"shareType":"SH","priorValue":285177,"priorShares":9790},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SML CP GRW ETF","cusip":"922908595","value":311211,"shares":851,"shareType":"SH","priorValue":284720,"priorShares":942},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":307778,"shares":1538,"shareType":"SH","priorValue":268235,"priorShares":1538},{"issuer":"TAIWAN SEMICONDUCTOR MANUFAC","titleOfClass":"SPONSORED ADS","cusip":"874039100","value":272693,"shares":571,"shareType":"SH"},{"issuer":"ADVANCED MICRO DEVICES INC","titleOfClass":"COM","cusip":"007903107","value":259667,"shares":447,"shareType":"SH"},{"issuer":"DIREXION SHARES ETF TRUST","titleOfClass":"DA TE BU 3X ETF","cusip":"25459W102","value":253836,"shares":1100,"shareType":"SH"},{"issuer":"SELECT SECTOR SPDR TR","titleOfClass":"ST STR TECHN ETF","cusip":"81369Y803","value":251316,"shares":1319,"shareType":"SH"},{"issuer":"CARDINAL HEALTH INC","titleOfClass":"COM","cusip":"14149Y108","value":244162,"shares":1028,"shareType":"SH","priorValue":208229,"priorShares":985},{"issuer":"ISHARES TR","titleOfClass":"ISHARES SEMICDTR","cusip":"464287523","value":231064,"shares":361,"shareType":"SH"},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":207632,"shares":581,"shareType":"SH"}]},"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."}