{"url":"https://nivawealth.com/firms/orchard-city-wealth-management-292274","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/292274","regulatoryAum":116119975,"crd":"292274","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4499498","suffix":null,"lastName":"PEPPER","firstName":"ETHAN","middleName":null}],"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"},"secFileNumber":"801-136491","legalName":"Orchard City Wealth Management, LLC","displayName":"Orchard City Wealth Management","slug":"orchard-city-wealth-management-292274","website":"https://orchardcitywm.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/292274/bacd79240c797692-r1.webp","tone":"light","width":391,"height":200,"sourceUrl":"https://orchardcitywm.com/","sourceLabel":"Orchard City Wealth Management, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/orchardcitywealthmanagement/","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"987 University Avenue, Suite 8","city":"Los Gatos","state":"CA","stateName":"California","country":"United States","postalCode":"95032"},"tradeNames":[],"registration":{"secApproved":"15 June 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2053322.9090909092,"staff":{"employees":3,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":116119975,"discretionary":116119975,"discretionaryAccounts":254,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":5},"clientTypes":[{"label":"Individuals (other than HNW)","clients":16,"regulatoryAum":4158637},{"label":"High-net-worth individuals","clients":39,"regulatoryAum":108774123},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":3187215}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":1.4,"from":0},{"to":1000000,"pct":1.2,"from":500000},{"to":3000000,"pct":1.1,"from":1000000},{"to":5000000,"pct":0.9,"from":3000000},{"to":10000000,"pct":0.65,"from":5000000},{"to":null,"pct":0.4,"from":10000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045107","versionId":1045107,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-05-14","documentName":"2026-05-14 ORCHARD CITY WEALTH MANAGEMENT FORM ADV PART 2A","fee_rate_low":0.4,"fee_rate_high":1.4,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":10000},{"role":"other","program":"Hourly Financial Planning","summary":"Hourly financial planning begins at $300 an hour and can be raised for complexity, due on completion of the engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045107","versionId":1045107,"submittedOn":"2026-05-14","documentName":"2026-05-14 ORCHARD CITY WEALTH MANAGEMENT FORM ADV PART 2A"},{"role":"other","program":"Retirement Plan Consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045107","versionId":1045107,"submittedOn":"2026-05-14","documentName":"2026-05-14 ORCHARD CITY WEALTH MANAGEMENT FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:58:56.331707+00:00","documents":[{"name":"2026-05-14 ORCHARD CITY WEALTH MANAGEMENT FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045107","versionId":1045107,"submittedOn":"2026-05-14"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":116119975}],"custodyNote":"Orchard City Wealth Management has custody of $112M in client assets for 40 clients.","leadership":[{"name":"Ethan Pepper","title":"Principal, CCO","crd":"4499498"}],"ownership":[{"label":"The Pepper Family Trust Dated 03/19/2008","detail":"Member in the 75% or more ownership band and a control person, since January 2018."},{"label":"Ethan Pepper","detail":"Indirect owner: trustee of The Pepper Family Trust Dated 03/19/2008 and a control person, since January 2018.","parent":"The Pepper Family Trust Dated 03/19/2008"},{"label":"Janina Pepper","detail":"Indirect owner: trustee of The Pepper Family Trust Dated 03/19/2008 and a control person, since January 2018.","parent":"The Pepper Family Trust Dated 03/19/2008"}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"987 University Avenue, Suite 8","city":"Los Gatos","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"669-237-3006","stateRegisteredReps":1,"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)","Educational seminars/workshops"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":17},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":74},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"14 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/292274/PDF/292274.pdf","brochureDate":"14 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045107","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 Orchard City Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Orchard City Wealth Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Orchard City Wealth Management charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Orchard City Wealth Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Orchard City Wealth Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Orchard City Wealth Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Orchard City Wealth Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Orchard City Wealth Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Orchard City Wealth Management registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Orchard City Wealth Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 14 May 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."}