Orchard City Wealth Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars. Financial planning was provided to 51–100 clients last fiscal year.
Orchard City Wealth Management reports 55 clients. They include 39 high-net-worth individuals and 16 individual clients. Of its assets, 100.0% ($116M across 254 accounts) are managed with discretion. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 29% | 4% |
| High-net-worth individuals | 71% | 94% |
| Pension and profit-sharing plans | Fewer than 5 | 3% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 16 | $4.16M | 3.6% | $260K |
| High-net-worth individuals | 39 | $109M | 93.7% | $2.79M |
| Pension and profit-sharing plans | Fewer than 5 | $3.19M | 2.7% | — |
| Total | 55 | $116M | 100% | — |
- Clients
- 16
- Regulatory AUM
- $4.16M
- AUM share
- 3.6%
- Avg. per client
- $260K
- Clients
- 39
- Regulatory AUM
- $109M
- AUM share
- 93.7%
- Avg. per client
- $2.79M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.19M
- AUM share
- 2.7%
- Avg. per client
- —
Total
- Clients
- 55
- Regulatory AUM
- $116M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Orchard City Wealth Management charges 0.40%–1.40% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in advance and has a $10,000 annual minimum. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$500K | 1.40% |
| $500K–$1M | 1.20% |
| $1M–$3M | 1.10% |
| $3M–$5M | 0.90% |
| $5M–$10M | 0.65% |
| $10M and above | 0.40% |
Fee details and sources
Other fees
- Hourly Financial Planning
- Hourly financial planning begins at $300 an hour and can be raised for complexity, due on completion of the engagement.
- Retirement Plan Consulting
- Retirement plan consulting is charged on plan assets under a blended schedule, with a minimum fee of $10,000 a year, paid quarterly in arrears.
The Pepper Family Trust Dated 03/19/2008 owns 75% or more of Orchard City Wealth Management. It has 3 employees, 1 of them in advisory roles.
Leadership
Ethan PepperPrincipal, CCO
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Orchard City Wealth Management, LLC
The Pepper Family Trust Dated 03/19/2008
Control person · since January 2018
Ethan Pepper
Trustee · Control person · since January 2018
Janina Pepper
Trustee · Control person · since January 2018
Besides its headquarters, Orchard City Wealth Management has 0 offices, with 1 listed address in California.
California · 1 listed address
- 987 University Avenue, Suite 8, Los GatosHQ
Contact and registration details
- Legal name
- Orchard City Wealth Management, LLC
- Headquarters
- 987 University Avenue, Suite 8, Los Gatos, CA 95032
- Website
- orchardcitywm.com
- Phone
- 669-237-3006
- @orchardcitywealthmanagement
- SEC file
- 801-136491
- Structure
- California LLC
- Fiscal year end
- December
Orchard City Wealth Management uses Charles Schwab ($116M) as custodian for its separately managed accounts. Orchard City Wealth Management has custody of $112M in client assets for 40 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $116M100%
At year end, Orchard City Wealth Management’s separately managed accounts were mostly in funds (74%) and stocks (17%).
What the accounts hold
- Stocks17%
- Funds74%
- Bonds7%
- State and local bonds5%
- U.S. government and agency bonds2%
- Cash2%
How many clients does Orchard City Wealth Management have?
Orchard City Wealth Management has 55 clients and manages $116 million for them, as of May 2026. They include 39 high-net-worth individuals and 16 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 14 May 2026
What services does Orchard City Wealth Management offer?
Orchard City Wealth Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Orchard City Wealth Management charge?
Orchard City Wealth Management charges 0.40%–1.40% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in advance and has a $10,000 annual minimum.
Source: 2026-05-14 ORCHARD CITY WEALTH MANAGEMENT FORM ADV PART 2A, filed 14 May 2026
Which custodians does Orchard City Wealth Management use?
Orchard City Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $116M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 14 May 2026
How many financial advisors does Orchard City Wealth Management have?
Orchard City Wealth Management has 1 investment adviser representative registered with state securities authorities, out of 3 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
What does Orchard City Wealth Management invest in?
At the end of its last fiscal year, Orchard City Wealth Management’s separately managed accounts held 74% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities, 5% state and local bonds, 2% U.S. government and agency bonds and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Orchard City Wealth Management?
Orchard City Wealth Management’s direct owner is the Pepper Family Trust Dated 03/19/2008 (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 14 May 2026
How does Orchard City Wealth Management get paid?
Orchard City Wealth Management 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
Is Orchard City Wealth Management registered with the SEC?
Yes, Orchard City Wealth Management has been registered with the SEC as an investment adviser since 15 June 2026. Its CRD number is 292274 and its SEC file number is 801-136491.
Source: Form ADV Part 1A, Item 1, filed 14 May 2026; IAPD firm record
How do I contact Orchard City Wealth Management?
Orchard City Wealth Management’s main office is at 987 University Avenue, Suite 8, Los Gatos, CA 95032. Its phone number is 669-237-3006. Its website is orchardcitywm.com.