{"url":"https://nivawealth.com/firms/pearl-wealth-group-326283","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/326283","regulatoryAum":102909000,"crd":"326283","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5898822","suffix":null,"lastName":"BLACKSTON","firstName":"WILLIAM","middleName":"ANDREW"},{"crd":"4569178","suffix":"SR.","lastName":"MCKEOWN","firstName":"MATTHEW","middleName":"WILLIAM"}],"total":2,"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":"801-135321","legalName":"Pearl Wealth Group, LLC","displayName":"Pearl Wealth Group","slug":"pearl-wealth-group-326283","website":"https://pearlwealthgroup.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/326283/ccb40bfc83de1da7-r1.webp","tone":"light","width":402,"height":200,"sourceUrl":"https://pearlwealthgroup.com/","sourceLabel":"Pearl Wealth Group, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Michigan limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"12 February 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":376956.04395604396,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":102909000,"discretionary":102675956,"discretionaryAccounts":611,"nonDiscretionary":233044,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":250,"regulatoryAum":67666178},{"label":"High-net-worth individuals","clients":23,"regulatoryAum":35242822}],"feePrograms":[{"role":"other","program":"Full Written Financial Planning","summary":"A full written financial plan is a negotiated fixed fee of $1,600 to $5,000 depending on complexity; the fee is not reduced for clients who also engage for portfolio management.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009887","versionId":1009887,"submittedOn":"2026-02-18","documentName":"FORM ADV PART 2A - PEARL WEALTH GROUP, LLC"},{"role":"other","program":"Modular Written Financial Plan","summary":"A modular (segmented) written financial plan is billed at an hourly fee of $250, which is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009887","versionId":1009887,"submittedOn":"2026-02-18","documentName":"FORM ADV PART 2A - PEARL WEALTH GROUP, LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T17:29:09.137468+00:00","documents":[{"name":"FORM ADV PART 2A - PEARL WEALTH GROUP, LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009887","versionId":1009887,"submittedOn":"2026-02-18"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":54557000},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":48352000}],"custodyNote":"Pearl Wealth Group has custody of $103M in client assets for 273 clients.","otherCustodians":[],"leadership":[{"name":"William Blackston","title":"Owner, CCO","crd":"5898822"},{"name":"Valerie Blackston","title":"Owner","crd":"6158981"}],"ownership":[{"label":"William Blackston","detail":"Owner, cco in the 50% to 75% ownership band and a control person, since January 2021."},{"label":"Valerie Blackston","detail":"Owner in the 50% to 75% ownership band and a control person, since January 2021."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"616-726-2090","stateRegisteredReps":2,"otherAdviserReps":1,"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","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":20},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":75},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"5 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/326283/PDF/326283.pdf","brochureDate":"18 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009887","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 Pearl Wealth Group have?","answer":"Pearl Wealth Group has 273 clients and manages $103 million for them, as of June 2026. They include 250 individual clients and 23 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 5 June 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Pearl Wealth Group offer?","answer":"Pearl Wealth Group provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","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 Pearl Wealth Group use?","answer":"Pearl Wealth Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $54.6M and Fidelity Brokerage Services LLC (Smithfield, RI), with $48.4M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 June 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Pearl Wealth Group have?","answer":"Pearl Wealth Group has 2 investment adviser representatives registered with state securities authorities, out of 4 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 Pearl Wealth Group invest in?","answer":"At the end of its last fiscal year, Pearl Wealth Group’s separately managed accounts held 75% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 2% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local 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 Pearl Wealth Group?","answer":"Pearl Wealth Group’s direct owners are William Blackston (50% to 75%) and Valerie Blackston (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 5 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Pearl Wealth Group get paid?","answer":"Pearl Wealth Group 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 Pearl Wealth Group?","answer":"Its phone number is 616-726-2090. Its website is pearlwealthgroup.com.","source":"Form ADV Part 1A, Item 1.F, filed 5 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."}