{"url":"https://nivawealth.com/firms/pandora-wealth-331816","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/331816","regulatoryAum":285001611,"crd":"331816","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4991068","suffix":null,"lastName":"DE LA TORRE","firstName":"SERGIO","middleName":null},{"crd":"4519638","suffix":null,"lastName":"GRECO","firstName":"STEPHEN","middleName":"ALBERT"},{"crd":"4315641","suffix":null,"lastName":"TSOW","firstName":"DAVID","middleName":"CHIEN"}],"total":3,"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":"2024-07-05","regulatoryAum":205143765,"clients":116,"employees":4,"offices":2},{"filedOn":"2025-03-30","regulatoryAum":236000000,"clients":132,"employees":4,"offices":2},{"filedOn":"2026-07-30","regulatoryAum":285001611,"clients":109,"employees":7,"offices":4}],"secFileNumber":"801-130622","legalName":"Pandora Wealth, Inc.","displayName":"Pandora Wealth","slug":"pandora-wealth-331816","website":"https://pandorawealth.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/331816/b84c0b46d77cea9e-r1.webp","tone":"dark","width":1682,"height":200,"sourceUrl":"https://www.pandorawealth.com/","sourceLabel":"Pandora Wealth, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/22339616/","xUrl":"https://twitter.com/PandoraWealth","founded":"2024","organization":"Nevada corporation","fiscalYearEnd":"December","headquarters":{"street":"1980 Festival Plaza, Suite 300","city":"Las Vegas","state":"NV","stateName":"Nevada","country":"United States","postalCode":"89135"},"tradeNames":[],"registration":{"secApproved":"5 July 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Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053484","versionId":1053484,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-07-30","documentName":"FIRM DISCLOSURE BROCHURE","fee_rate_low":0.4,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning for planning-only clients","summary":"Clients engaging the firm solely for financial planning pay a fixed fee agreed in advance, generally $5,000 to $15,000 for the initial plan, half due at the outset.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053484","versionId":1053484,"submittedOn":"2026-07-30","documentName":"FIRM DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:46:59.000978+00:00","documents":[{"name":"FIRM DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053484","versionId":1053484,"submittedOn":"2026-07-30"}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Fort Mill, SC","smaAssets":204369001}],"custodyNote":"Pandora Wealth does not have custody of client assets.","leadership":[{"name":"Stephen Greco","title":"President, Chief Executive Officer & Chief Compliance Officer","crd":"4519638"}],"ownership":[{"label":"Stephen Greco","detail":"President, chief executive officer & chief compliance officer in the 75% or more ownership band and a control person, since June 2024."}],"filedOffices":{"otherThanPrincipal":3,"privateResidences":0},"listedOfficeAddresses":4,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"9655 Granite Ridge Drive","city":"San Diego"}]},{"state":"Georgia","offices":1,"addresses":[{"street":"Deerfield Corporate Center One 13010 Morris Road","city":"Alpharetta"}]},{"state":"Illinois","offices":1,"addresses":[{"street":"1 Mid America Plaza","city":"Oakbrook Terrace"}]},{"state":"Nevada","offices":1,"addresses":[{"street":"1980 Festival Plaza, Suite 300","city":"Las Vegas","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"630-230-6841","stateRegisteredReps":3,"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"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":32},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Sovereign bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Non-investment grade corporate bonds","percent":2},{"label":"Derivatives","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":50},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":9}],"privateFunds":0},"sources":{"adv1FilingDate":"30 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/331816/PDF/331816.pdf","brochureDate":"30 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053484","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 Pandora Wealth have?","answer":"Pandora Wealth has 109 clients and manages $285 million for them, as of July 2026. They include 85 high-net-worth individuals, 20 individual clients, and 3 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Pandora Wealth offer?","answer":"Pandora Wealth provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, 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 Pandora Wealth charge?","answer":"Pandora Wealth charges 0.40%–1.00% for its Portfolio Management Services. The brochure does not state whether the rate is annual. The fee is billed in advance and is negotiable.","source":"FIRM DISCLOSURE BROCHURE, filed 30 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Pandora Wealth use?","answer":"Pandora Wealth’s separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $204M. 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 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Pandora Wealth have?","answer":"Pandora Wealth has 3 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 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 Pandora Wealth invest in?","answer":"At the end of its last fiscal year, Pandora Wealth’s separately managed accounts held 50% registered funds (mutual funds, ETFs, BDCs), 32% exchange-traded equities, 9% cash and equivalents, 2% high-yield corporate bonds, 2% derivatives, 1% U.S. government and agency bonds, 1% state and local bonds, 1% sovereign bonds, 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 Pandora Wealth?","answer":"Pandora Wealth’s direct owner is Stephen Greco (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Pandora Wealth get paid?","answer":"Pandora Wealth 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":"Is Pandora Wealth registered with the SEC?","answer":"Yes, Pandora Wealth has been registered with the SEC as an investment adviser since 5 July 2024. Its CRD number is 331816 and its SEC file number is 801-130622.","source":"Form ADV Part 1A, Item 1, filed 30 July 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Pandora Wealth?","answer":"Pandora Wealth’s main office is at 1980 Festival Plaza, Suite 300, Las Vegas, NV 89135. Its phone number is 630-230-6841. Its website is pandorawealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 July 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."}