{"url":"https://nivawealth.com/firms/sage-stone-wealth-management-155477","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/155477","regulatoryAum":261444674,"crd":"155477","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4156902","suffix":"II","lastName":"LOPEZ","firstName":"ROY","middleName":"MICHAEL"},{"crd":"4517803","suffix":null,"lastName":"NABER","firstName":"MARY","middleName":null},{"crd":"7852146","suffix":null,"lastName":"Senn","firstName":"Ethan","middleName":"James"}],"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":"2021-03-12","regulatoryAum":159274807,"clients":79,"employees":3,"offices":1},{"filedOn":"2022-03-31","regulatoryAum":178678684,"clients":86,"employees":4,"offices":1},{"filedOn":"2023-03-31","regulatoryAum":168061600,"clients":106,"employees":3,"offices":1},{"filedOn":"2024-06-06","regulatoryAum":198749251,"clients":114,"employees":4,"offices":1},{"filedOn":"2025-03-31","regulatoryAum":230424004,"clients":121,"employees":5,"offices":1},{"filedOn":"2026-03-16","regulatoryAum":261444674,"clients":126,"employees":4,"offices":1}],"secFileNumber":"801-91170","legalName":"Sage Stone Wealth Management LLC","displayName":"Sage Stone Wealth Management","slug":"sage-stone-wealth-management-155477","website":"https://sagestonewealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/sage-stone-wealth-management","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"7946 Ivanhoe Avenue, Suite 316","city":"La Jolla","state":"CA","stateName":"California","country":"United States","postalCode":"92037"},"tradeNames":[],"registration":{"secApproved":"17 April 2015","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2044318.6517857143,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":261444674,"discretionary":253258290,"discretionaryAccounts":449,"nonDiscretionary":8186384,"nonDiscretionaryAccounts":6,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":56,"regulatoryAum":19110701},{"label":"High-net-worth individuals","clients":56,"regulatoryAum":209852988},{"label":"Pension and profit-sharing plans","clients":3,"regulatoryAum":6426901},{"label":"Charitable organizations","clients":9,"regulatoryAum":23966406},{"label":"Corporations and other businesses","clients":2,"regulatoryAum":2087678}],"feePrograms":[{"role":"main","program":"Comprehensive Portfolio Management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019674","versionId":1019674,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-16","documentName":"FORM ADV PART 2A MARCH 2026","fee_rate_low":null,"fee_rate_high":1,"fee_negotiable":false,"minimum_account":250000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Consultations","summary":"Hourly fee of $250, billed in six-minute increments quarterly in arrears; the total depends on the scope and complexity of the engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019674","versionId":1019674,"submittedOn":"2026-03-16","documentName":"FORM ADV PART 2A MARCH 2026"},{"role":"other","program":"Investment Policy Statement Creation and Review","summary":"Charged between $5,000 and $25,000 for a new Investment Policy Statement or a review of one, billed directly when offered as a stand-alone service.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019674","versionId":1019674,"submittedOn":"2026-03-16","documentName":"FORM ADV PART 2A MARCH 2026"},{"role":"other","program":"Portfolio Monitoring","summary":"Annual fee of up to 0.50% (50 basis points) of portfolio market value, billed quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019674","versionId":1019674,"submittedOn":"2026-03-16","documentName":"FORM ADV PART 2A MARCH 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:14:24.135075+00:00","documents":[{"name":"FORM ADV PART 2A MARCH 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019674","versionId":1019674,"submittedOn":"2026-03-16"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":259971284}],"custodyNote":"Sage Stone Wealth Management has custody of $7.52M in client assets for 5 clients.","leadership":[{"name":"Roy Lopez","title":"Vice President","crd":"4156902"},{"name":"Mary Naber","title":"Managing Member, President, and Chief Compliance Officer","crd":"4517803"}],"ownership":[{"label":"Mary Naber","detail":"Managing member, president, and chief compliance officer in the 75% or more ownership band and a control person, since November 2010."},{"label":"Roy Lopez","detail":"Vice president in the 10% to 25% ownership band, since June 2022."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"7946 Ivanhoe Avenue, Suite 316","city":"La Jolla","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"858-412-6404","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops","Other"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":40},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":4},{"label":"Investment grade corporate bonds","percent":11},{"label":"Securities issued by registered investment companies or business development companies","percent":16},{"label":"Cash and cash equivalents","percent":27}],"privateFunds":0},"sources":{"adv1FilingDate":"16 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/155477/PDF/155477.pdf","brochureDate":"16 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019674","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 Sage Stone Wealth Management have?","answer":"Sage Stone Wealth Management has 126 clients and manages $261 million for them, as of March 2026. They include 56 individual clients, 56 high-net-worth individuals and 9 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Sage Stone Wealth Management offer?","answer":"Sage Stone Wealth Management provides financial planning, portfolio management for individuals and small businesses, educational seminars, education planning, estate planning, insurance, and philanthropic 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 Sage Stone Wealth Management charge?","answer":"Sage Stone Wealth Management charges up to 1.00% a year for its Comprehensive Portfolio Management. The fee is billed in arrears, is not negotiable and requires an account of at least $250,000.","source":"FORM ADV PART 2A MARCH 2026, filed 16 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Sage Stone Wealth Management use?","answer":"Sage Stone Wealth Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $260M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Sage Stone Wealth Management have?","answer":"Sage Stone Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 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 Sage Stone Wealth Management invest in?","answer":"At the end of its last fiscal year, Sage Stone Wealth Management’s separately managed accounts held 40% exchange-traded equities, 27% cash and equivalents, 16% registered funds (mutual funds, ETFs, BDCs), 11% investment grade corporate bonds, 4% state and local bonds and 2% U.S. government and agency 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":"Does Sage Stone Wealth Management have a minimum investment?","answer":"Yes, Sage Stone Wealth Management’s minimum account size for its Comprehensive Portfolio Management is $250K.","source":"FORM ADV PART 2A MARCH 2026, filed 16 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Sage Stone Wealth Management?","answer":"Sage Stone Wealth Management’s direct owners are Mary Naber (75% or more) and Roy Lopez (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Sage Stone Wealth Management get paid?","answer":"Sage Stone 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 Sage Stone Wealth Management registered with the SEC?","answer":"Yes, Sage Stone Wealth Management has been registered with the SEC as an investment adviser since 17 April 2015. Its CRD number is 155477 and its SEC file number is 801-91170.","source":"Form ADV Part 1A, Item 1, filed 16 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Sage Stone Wealth Management?","answer":"Sage Stone Wealth Management’s main office is at 7946 Ivanhoe Avenue, Suite 316, La Jolla, CA 92037. Its phone number is 858-412-6404. Its website is sagestonewealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 16 March 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."}