{"url":"https://nivawealth.com/firms/our-wealth-guides-296866","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/296866","regulatoryAum":257908095,"crd":"296866","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6298132","suffix":null,"lastName":"BROOKS","firstName":"ANDREW","middleName":"STEVEN"},{"crd":"4705452","suffix":"JR.","lastName":"COURTNEY","firstName":"JON","middleName":"Westfall"},{"crd":"8100925","suffix":null,"lastName":"Lovin","firstName":"Jamie","middleName":"Nyx"},{"crd":"6133809","suffix":null,"lastName":"VELEZ","firstName":"NAYIVI","middleName":"VERONICA"}],"total":4,"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":"2021-04-23","regulatoryAum":109521365,"clients":96,"employees":3,"offices":1},{"filedOn":"2022-04-08","regulatoryAum":126330421,"clients":112,"employees":3,"offices":1},{"filedOn":"2023-04-04","regulatoryAum":132848490,"clients":142,"employees":3,"offices":1},{"filedOn":"2024-04-07","regulatoryAum":170468951,"clients":158,"employees":3,"offices":1},{"filedOn":"2025-07-03","regulatoryAum":211730373,"clients":175,"employees":3,"offices":1},{"filedOn":"2026-06-18","regulatoryAum":257908095,"clients":240,"employees":3,"offices":1}],"secFileNumber":"801-121298","legalName":"Our Wealth Guides, Inc.","displayName":"Our Wealth Guides","slug":"our-wealth-guides-296866","website":"https://villagewealthadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/village-wealth-advisors/","xUrl":"https://twitter.com/VillageWealth","founded":"2018","organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"2945 Townsgate Road, Suite 120","city":"Westlake Village","state":"CA","stateName":"California","country":"United States","postalCode":"91361"},"tradeNames":[],"registration":{"secApproved":"24 May 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1073449.225,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":257908095,"discretionary":257908095,"discretionaryAccounts":517,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":141,"regulatoryAum":34308705},{"label":"High-net-worth individuals","clients":99,"regulatoryAum":223319109},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":280281}],"feePrograms":[{"role":"main","program":"Portfolio management services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1.2,"from":0},{"to":2000000,"pct":1,"from":1000000},{"to":5000000,"pct":0.75,"from":2000000},{"to":null,"pct":0.65,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048842","versionId":1048842,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-06-18","documentName":"VWA FORM ADV PART 2","fee_rate_low":0.65,"fee_rate_high":1.2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning","summary":"Multi-component planning is a fixed fee from $250 to $6,000; limited planning is hourly at $250 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048842","versionId":1048842,"submittedOn":"2026-06-18","documentName":"VWA FORM ADV PART 2"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:02:48.352147+00:00","documents":[{"name":"VWA FORM ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048842","versionId":1048842,"submittedOn":"2026-06-18"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":252788348}],"custodyNote":"Our Wealth Guides does not have custody of client assets.","leadership":[{"name":"Nayivi Velez","title":"President/Chief Compliance Officer/Managing Member","crd":"6133809"}],"ownership":[{"label":"Nayivi Velez","detail":"President/chief compliance officer/managing member in the 75% or more ownership band and a control person, since March 2018."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"2945 Townsgate Road, Suite 120","city":"Westlake Village","headquarters":true}]}],"brochureServices":["divorce planning","education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"805-603-4960","stateRegisteredReps":3,"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","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":89},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":9},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"18 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/296866/PDF/296866.pdf","brochureDate":"18 June 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1048842","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 Our Wealth Guides have?","answer":"Our Wealth Guides has 240 clients and manages $258 million for them, as of June 2026. They include 141 individual clients and 99 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 18 June 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Our Wealth Guides offer?","answer":"Our Wealth Guides provides financial planning, portfolio management for individuals and small businesses, educational seminars, divorce planning, education planning, estate planning, insurance, philanthropic planning, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Our Wealth Guides charge?","answer":"Our Wealth Guides charges 0.65%–1.20% a year for its Portfolio management services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"VWA FORM ADV PART 2, filed 18 June 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Our Wealth Guides use?","answer":"Our Wealth Guides’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $253M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 June 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Our Wealth Guides have?","answer":"Our Wealth Guides has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 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 Our Wealth Guides invest in?","answer":"At the end of its last fiscal year, Our Wealth Guides’ separately managed accounts held 89% exchange-traded equities, 9% registered funds (mutual funds, ETFs, BDCs), 2% cash and equivalents, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).","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 Our Wealth Guides?","answer":"Our Wealth Guides’ direct owner is Nayivi Velez (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 18 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Our Wealth Guides get paid?","answer":"Our Wealth Guides 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 Our Wealth Guides registered with the SEC?","answer":"Yes, Our Wealth Guides has been registered with the SEC as an investment adviser since 24 May 2021. Its CRD number is 296866 and its SEC file number is 801-121298.","source":"Form ADV Part 1A, Item 1, filed 18 June 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Our Wealth Guides?","answer":"Our Wealth Guides’ main office is at 2945 Townsgate Road, Suite 120, Westlake Village, CA 91361. Its phone number is 805-603-4960. Its website is villagewealthadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 18 June 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."}