{"url":"https://nivawealth.com/firms/primary-wealth-management-282370","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/282370","regulatoryAum":157985357,"crd":"282370","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"815379","suffix":null,"lastName":"GARNETT","firstName":"PAUL","middleName":"DEAN"},{"crd":"4859203","suffix":null,"lastName":"GARNETT-FROSCHEISER","firstName":"TRACI","middleName":"DANIELLE"}],"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"},"history":[{"filedOn":"2025-01-29","regulatoryAum":126610335,"clients":418,"employees":5,"offices":1},{"filedOn":"2026-02-13","regulatoryAum":157985357,"clients":331,"employees":5,"offices":1}],"secFileNumber":"801-131623","legalName":"Primary Wealth Management, LLC","displayName":"Primary Wealth 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HNW)","clients":220,"regulatoryAum":31663429},{"label":"High-net-worth individuals","clients":42,"regulatoryAum":59793215},{"label":"Pension and profit-sharing plans","clients":9,"regulatoryAum":56983788},{"label":"Charitable organizations","clients":4,"regulatoryAum":4074258},{"label":"Corporations and other businesses","clients":7,"regulatoryAum":1880852},{"label":"Other","clients":49,"regulatoryAum":3589815}],"feePrograms":[{"role":"main","program":"Investment Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009000","versionId":1009000,"ratePeriod":"annual","fee_billing":null,"submittedOn":"2026-02-13","documentName":"FORM ADV PART 2A & 2B 021226","fee_rate_low":0.8,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:21:06.274743+00:00","documents":[{"name":"FORM ADV PART 2A & 2B 021226","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009000","versionId":1009000,"submittedOn":"2026-02-13"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":97411754}],"custodyNote":"Primary Wealth Management has custody of $73.3M in client assets for 201 clients.","leadership":[{"name":"Traci Garnett-Froscheiser","title":"President, CCO","crd":"4859203"}],"ownership":[{"label":"Traci Garnett-Froscheiser","detail":"President, cco in the 75% or more ownership band and a control person, since December 2015."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Nebraska","offices":1,"addresses":[{"street":"2630 Eastside BLVD.","city":"Beatrice","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"402-223-3433","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":null,"assetMix":[{"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":87},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"13 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/282370/PDF/282370.pdf","brochureDate":"13 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009000","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 Primary Wealth Management have?","answer":"Primary Wealth Management has 331 clients and manages $158 million for them, as of February 2026. They include 220 individual clients, 49 other clients and 42 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 13 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Primary Wealth Management offer?","answer":"Primary Wealth Management provides portfolio management for individuals and small businesses, pension consulting, 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":"How much does Primary Wealth Management charge?","answer":"Primary Wealth Management charges 0.80%–1.50% a year for its Investment Management. The fee is negotiable.","source":"FORM ADV PART 2A & 2B 021226, filed 13 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Primary Wealth Management use?","answer":"Primary Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $97.4M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Primary Wealth Management have?","answer":"Primary Wealth Management has 2 investment adviser representatives registered with state securities authorities, out of 5 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 Primary Wealth Management invest in?","answer":"At the end of its last fiscal year, Primary Wealth Management’s separately managed accounts held 87% registered funds (mutual funds, ETFs, BDCs), 10% 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 Primary Wealth Management?","answer":"Primary Wealth Management’s direct owner is Traci Garnett-Froscheiser (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 13 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Primary Wealth Management get paid?","answer":"Primary Wealth Management is paid through a percentage of assets under management. 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 Primary Wealth Management registered with the SEC?","answer":"Yes, Primary Wealth Management has been registered with the SEC as an investment adviser since 16 December 2024. Its CRD number is 282370 and its SEC file number is 801-131623.","source":"Form ADV Part 1A, Item 1, filed 13 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Primary Wealth Management?","answer":"Primary Wealth Management’s main office is at 2630 Eastside BLVD., Beatrice, NE 68310. Its phone number is 402-223-3433. Its website is garnettinvestments.com.","source":"Form ADV Part 1A, Item 1.F, filed 13 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."}