{"url":"https://nivawealth.com/firms/master-s-wealth-management-328693","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/328693","regulatoryAum":589513898,"crd":"328693","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7947028","suffix":null,"lastName":"Heisey","firstName":"Liza","middleName":null},{"crd":"2174846","suffix":null,"lastName":"HERSHEY","firstName":"LYLE","middleName":"E"},{"crd":"2103780","suffix":null,"lastName":"KELLER","firstName":"CHARLES","middleName":"DAVID"},{"crd":"7307187","suffix":null,"lastName":"Keller","firstName":"Colton","middleName":"Tyler"},{"crd":"5927506","suffix":null,"lastName":"NORTH","firstName":"GARRISON","middleName":"REXON"},{"crd":"8044397","suffix":null,"lastName":"Sauder","firstName":"Austin","middleName":"Jay"},{"crd":"5563867","suffix":null,"lastName":"THOMPSON","firstName":"JONATHAN","middleName":null},{"crd":"4268032","suffix":null,"lastName":"TYSON","firstName":"TIMOTHY","middleName":"SCOTT"},{"crd":"6551294","suffix":null,"lastName":"WISSLER","firstName":"MELISSA","middleName":"DAWN"}],"total":9,"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":"2024-07-16","regulatoryAum":379662863,"clients":388,"employees":10,"offices":1},{"filedOn":"2025-06-10","regulatoryAum":415439107,"clients":392,"employees":12,"offices":1},{"filedOn":"2026-04-30","regulatoryAum":589513898,"clients":434,"employees":12,"offices":1}],"secFileNumber":"801-129711","legalName":"Master'S 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(other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":8},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":80},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":4},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"30 April 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They include 219 individual clients, 186 high-net-worth individuals, and 23 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Master'S Wealth Management offer?","answer":"Master'S Wealth Management provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, 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":"How much does Master'S Wealth Management charge?","answer":"Master'S Wealth Management charges 0.25%–1.50% a year for its Wealth Management and Investment Management Services. The fee is billed in advance and is negotiable.","source":"MASTER'S DISCLOSURE BROCHURE AND BROCHURE SUPPLEMENTS, filed 30 April 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Master'S Wealth Management use?","answer":"Master'S Wealth Management’s separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $500M and Capital Client Group, Inc. (Los Angeles, CA), with $83.5M. 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 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Master'S Wealth Management have?","answer":"Master'S Wealth Management has 9 investment adviser representatives registered with state securities authorities, out of 12 employees, and 9 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 Master'S Wealth Management invest in?","answer":"At the end of its last fiscal year, Master'S Wealth Management’s separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 8% exchange-traded equities, 4% pooled vehicles (private funds and similar), 2% U.S. government and agency bonds, 2% state and local bonds, 2% cash and equivalents, 1% non-exchange-traded equities 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 Master'S Wealth Management?","answer":"Master'S Wealth Management’s direct owners are Lyle Hershey, Garrison North and Charles Keller, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 30 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Master'S Wealth Management get paid?","answer":"Master'S Wealth Management 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 Master'S Wealth Management?","answer":"Master'S Wealth Management’s main office is at 1415 E Oregon RD, Leola, PA 17540. Its phone number is 717-581-1323. Its website is mastersadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 April 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."}