{"url":"https://nivawealth.com/firms/orcam-financial-group-164874","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/164874","regulatoryAum":238930000,"crd":"164874","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4725152","suffix":null,"lastName":"ROCHE","firstName":"CULLEN","middleName":"O'BRIEN"}],"total":1,"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":"2021-05-27","regulatoryAum":100528154,"clients":127,"employees":2,"offices":1},{"filedOn":"2022-04-07","regulatoryAum":104953146,"clients":113,"employees":2,"offices":1},{"filedOn":"2023-03-27","regulatoryAum":110568000,"clients":108,"employees":2,"offices":1},{"filedOn":"2024-04-01","regulatoryAum":137527092,"clients":115,"employees":2,"offices":1},{"filedOn":"2025-03-28","regulatoryAum":168330000,"clients":115,"employees":2,"offices":1},{"filedOn":"2026-03-30","regulatoryAum":238930000,"clients":120,"employees":2,"offices":1}],"secFileNumber":"801-121561","legalName":"Orcam Financial Group, LLC","displayName":"Orcam Financial Group","slug":"orcam-financial-group-164874","website":"https://orcamgroup.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2012","organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":["Discipline Funds"],"registration":{"secApproved":"21 June 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1991083.3333333333,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":238930000,"discretionary":238930000,"discretionaryAccounts":253,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"High-net-worth individuals","clients":120,"regulatoryAum":238930000}],"feePrograms":[{"role":"other","program":"Discipline Financial Planner","summary":"New clients who engage the firm for financial planning pay a flat fee of $6,000 a year, negotiable and charged in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032121","versionId":1032121,"submittedOn":"2026-03-30","documentName":"2025 BROCHURE"},{"role":"other","program":"Fixed-fee research and advice","summary":"Research and advice on a legal investment is a fixed fee of $500 to $10,000, set in the client agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032121","versionId":1032121,"submittedOn":"2026-03-30","documentName":"2025 BROCHURE"},{"role":"other","program":"Research subscription","summary":"The research subscription costs $499 a year, collected at the start of the subscription period.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032121","versionId":1032121,"submittedOn":"2026-03-30","documentName":"2025 BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T14:34:20.988011+00:00","documents":[{"name":"2025 BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032121","versionId":1032121,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":100528154}],"custodyNote":"Orcam Financial Group does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Erica Fries","title":"Chief Executive Officer and Chief Operating Officer","crd":"7373296"},{"name":"Cullen Roche","title":"Managing Member and Chief Compliance Officer","crd":"4725152"}],"ownership":[{"label":"Cullen Roche","detail":"Managing member and chief compliance officer in the 75% or more ownership band and a control person, since July 2012."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"18582205383","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Subscription fees","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Publication of periodicals or newsletters","Educational seminars/workshops"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":90},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/164874/PDF/164874.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032121","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 Orcam Financial Group have?","answer":"Orcam Financial Group has 120 clients and manages $239 million for them, as of March 2026. They include 120 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Orcam Financial Group offer?","answer":"Orcam Financial Group provides financial planning, portfolio management for individuals and small businesses, publishing newsletters, 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 Orcam Financial Group use?","answer":"Orcam Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $101M. 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 Orcam Financial Group have?","answer":"Orcam Financial Group has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 1 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 Orcam Financial Group invest in?","answer":"At the end of its last fiscal year, Orcam Financial Group’s separately managed accounts held 90% exchange-traded equities and 10% 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":"Who owns Orcam Financial Group?","answer":"Orcam Financial Group’s direct owner is Cullen Roche (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Orcam Financial Group get paid?","answer":"Orcam Financial Group is paid through a percentage of assets under management, subscription fees 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 Orcam Financial Group?","answer":"Its phone number is 18582205383. Its website is orcamgroup.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 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."}