{"url":"https://nivawealth.com/firms/payne-capital-329458","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/329458","regulatoryAum":170887842,"crd":"329458","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1290237","suffix":"JR","lastName":"PAYNE","firstName":"FREDERICK","middleName":"JOSEPH"}],"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":"801-134878","legalName":"Payne Capital LLC","displayName":"Payne Capital","slug":"payne-capital-329458","website":"https://swiftwater.capital/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Oregon limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"5 December 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3719491.422222222,"staff":{"employees":3,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":170887842,"discretionary":170887842,"discretionaryAccounts":201,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":22,"regulatoryAum":7779693},{"label":"High-net-worth individuals","clients":23,"regulatoryAum":159597421},{"label":"Corporations and other businesses","clients":4,"regulatoryAum":3510728}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":0.75,"from":0},{"to":2000000,"pct":0.65,"from":1000000},{"to":3000000,"pct":0.55,"from":2000000},{"to":5000000,"pct":0.45,"from":3000000},{"to":10000000,"pct":0.3,"from":5000000},{"to":null,"pct":0.15,"from":10000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007384","versionId":1007384,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-09","documentName":"SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126","fee_rate_low":0.15,"fee_rate_high":0.75,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":3500},{"role":"other","program":"Cash Flow Study","summary":"Cash flow studies not covered by the investment fee are billed hourly at $200 (advisers), $300 (CPA) or $400 (attorney), or as a fixed fee typically $3,500 to $10,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007384","versionId":1007384,"submittedOn":"2026-02-09","documentName":"SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126"},{"role":"other","program":"Custom services","summary":"Custom services are priced as a flat dollar amount or at an hourly rate; no rate is stated.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007384","versionId":1007384,"submittedOn":"2026-02-09","documentName":"SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126"},{"role":"other","program":"Estate document software access","summary":"A one-time fee of $200 to $650 covers access to the internet software used to create estate documents.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007384","versionId":1007384,"submittedOn":"2026-02-09","documentName":"SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126"},{"role":"other","program":"SMPL Audit","summary":"The SMPL estate audit, when charged separately, is billed hourly at $200, $300 or $400, or as a fixed fee typically $5,000 to $15,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007384","versionId":1007384,"submittedOn":"2026-02-09","documentName":"SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:39:23.064728+00:00","documents":[{"name":"SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007384","versionId":1007384,"submittedOn":"2026-02-09"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":165695048}],"custodyNote":"Payne Capital has custody of $328K in client assets for 1 client.","otherCustodians":[],"leadership":[{"name":"Frederick Payne","title":"Manager and Chief Compliance Officer","crd":"1290237"}],"ownership":[{"label":"Frederick Payne","detail":"Manager and chief compliance officer in the 75% or more ownership band and a control person, since November 2023."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"971-453-0130","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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":15},{"label":"U.S. government/agency bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":62},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":17},{"label":"Other","percent":1,"detail":"Variable Life Insurance Product"}],"privateFunds":0},"sources":{"adv1FilingDate":"9 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/329458/PDF/329458.pdf","brochureDate":"9 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007384","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 Payne Capital have?","answer":"Payne Capital has 49 clients and manages $171 million for them, as of February 2026. They include 23 high-net-worth individuals, 22 individual clients, and 4 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 9 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Payne Capital offer?","answer":"Payne Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, 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":"How much does Payne Capital charge?","answer":"Payne Capital charges 0.15%–0.75% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $3,500 annual minimum.","source":"SWIFTWATER CAPITAL LLC FIRM BROCHURE 010126, filed 9 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Payne Capital use?","answer":"Payne Capital’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $166M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Payne Capital have?","answer":"Payne Capital 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 Payne Capital invest in?","answer":"At the end of its last fiscal year, Payne Capital’s separately managed accounts held 62% registered funds (mutual funds, ETFs, BDCs), 17% cash and equivalents, 15% exchange-traded equities, 5% U.S. government and agency bonds, 1% pooled vehicles (private funds and similar) and 1% other. The 1% other category is described as: Variable Life Insurance Product.","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 Payne Capital?","answer":"Payne Capital’s direct owner is Frederick Payne (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 9 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Payne Capital get paid?","answer":"Payne Capital 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":"How do I contact Payne Capital?","answer":"Its phone number is 971-453-0130. Its website is swiftwater.capital.","source":"Form ADV Part 1A, Item 1.F, filed 9 February 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."}