{"url":"https://nivawealth.com/firms/palomar-advisors-285358","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/285358","regulatoryAum":101258620,"crd":"285358","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2908403","suffix":null,"lastName":"FOUNTAIN","firstName":"JOHN","middleName":"PAUL"}],"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":"801-136031","legalName":"Palomar Advisors Inc.","displayName":"Palomar Advisors","slug":"palomar-advisors-285358","website":"https://palomaradvisors.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/285358/df8e67de2cfdd2b0-r1.webp","tone":"light","width":952,"height":200,"sourceUrl":"https://www.palomaradvisors.com","sourceLabel":"Palomar Advisors Inc., website"},"classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_wealth_manager","typeLabel":"OCIO / institutional wealth","feeDisclosure":"payment_only"},"xUrl":"https://x.com/@palomaradvisors","founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"27 April 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1764108.8076923077,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":101258620,"discretionary":101258620,"discretionaryAccounts":13,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":13,"regulatoryAum":3373963},{"label":"High-net-worth individuals","clients":13,"regulatoryAum":42492866},{"label":"Pension and profit-sharing plans","clients":46,"regulatoryAum":52901506},{"label":"Corporations and other businesses","clients":3,"regulatoryAum":2485263},{"label":"Other","clients":1,"regulatoryAum":5022}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":57718445},{"name":"American Trust Investment Services, Inc.","shortName":"American Trust Investment Services","location":"Whiting, IN","smaAssets":20088790}],"custodyNote":"Palomar Advisors has custody of $46.7M for 38 clients.","otherCustodians":[],"leadership":[{"name":"John Fountain","title":"President and CCO","crd":"2908403"}],"ownership":[{"label":"John Fountain","detail":"President and cco in the 75% or more ownership band and a control person, since May 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":1},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"California","offices":2,"addresses":[{"street":"41856 Ivy St","city":"Murrieta"},{"street":"27636 Ynex RD., BLDG. L7","city":"Temecula"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"760-417-5709","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":81},{"label":"U.S. government/agency bonds","percent":6},{"label":"Investment grade corporate bonds","percent":1},{"label":"Cash and cash equivalents","percent":12}],"privateFunds":0},"sources":{"adv1FilingDate":"1 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/285358/PDF/285358.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Palomar Advisors have?","answer":"Palomar Advisors has 76 clients and manages $101 million for them, as of April 2026. They include 46 pension and profit-sharing plans, 13 individual clients, and 13 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Palomar Advisors offer?","answer":"Palomar Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","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 Palomar Advisors use?","answer":"Palomar Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $57.7M and American Trust Investment Services, Inc. (Whiting, IN), with $20.1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Palomar Advisors have?","answer":"Palomar Advisors has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are 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 Palomar Advisors invest in?","answer":"At the end of its last fiscal year, Palomar Advisors’ separately managed accounts held 81% exchange-traded equities, 12% cash and equivalents, 6% U.S. government and agency bonds 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 Palomar Advisors?","answer":"Palomar Advisors’ direct owner is John Fountain (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Palomar Advisors get paid?","answer":"Palomar Advisors 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 Palomar Advisors?","answer":"Its phone number is 760-417-5709. Its website is palomaradvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 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."}