SPWM Advisors provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers. Financial planning was provided to 11–25 clients last fiscal year.
SPWM Advisors reports 606 clients. They include 472 individual clients, 97 high-net-worth individuals, and 19 pension and profit-sharing plans. Of its assets, 100.0% ($299M across 608 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 78% | 42% |
| High-net-worth individuals | 16% | 55% |
| Pension and profit-sharing plans | 3% | 1% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | 3% | 1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 472 | $127M | 42.3% | $268K |
| High-net-worth individuals | 97 | $165M | 55.2% | $1.7M |
| Pension and profit-sharing plans | 19 | $3.47M | 1.2% | $183K |
| Charitable organizations | Fewer than 5 | $293K | 0.1% | — |
| Corporations and other businesses | 18 | $3.69M | 1.2% | $205K |
| Total | 606 | $299M | 100% | — |
- Clients
- 472
- Regulatory AUM
- $127M
- AUM share
- 42.3%
- Avg. per client
- $268K
- Clients
- 97
- Regulatory AUM
- $165M
- AUM share
- 55.2%
- Avg. per client
- $1.7M
- Clients
- 19
- Regulatory AUM
- $3.47M
- AUM share
- 1.2%
- Avg. per client
- $183K
- Clients
- Fewer than 5
- Regulatory AUM
- $293K
- AUM share
- 0.1%
- Avg. per client
- —
- Clients
- 18
- Regulatory AUM
- $3.69M
- AUM share
- 1.2%
- Avg. per client
- $205K
Total
- Clients
- 606
- Regulatory AUM
- $299M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
SPWM Advisors is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and other compensation. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Standalone financial planning is billed hourly at up to $300, as a fixed fee of up to $20,000 per engagement, or as an annual ongoing fee of up to $20,000.
- Retirement Plan Advisory
- Retirement plan advisory is an annual asset-based fee of up to 1.00%, which may be negotiated depending on the plan's size and complexity.
Prestige Worldwide Enterprises Inc owns 25% to 50% of SPWM Advisors and is in turn owned by Matthew Golba (75% or more). The leadership team of SPWM Advisors includes Chief Compliance Officer Lauren Golba. It has 13 employees, 9 of them in advisory roles.
Staff
- 13 employees
- 9 in advisory functions
- 9 state-registered reps
- 8 insurance agents
- Owns 25% to 50% of SPWM Advisors LLC
Prestige Worldwide Enterprises Inc
Control person · since November 2023
- Owns 75% or more of Prestige Worldwide Enterprises Inc
Matthew Golba
Control person · since June 2018
- Owns 25% to 50% of SPWM Advisors LLC
LRG Financial, Inc.
Control person · since November 2023
- Owns 75% or more of LRG Financial, Inc.
Lauren Golba
Control person · since November 2018
SPWM Advisors’ regulatory assets grew 1.7× from $178M (July 2024) to $299M (June 2026); clients rose from 405 to 606 and employees from 11 to 13.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jun 2026June 2026 | $299M | 606 | 13 | 7 |
| Apr 2025April 2025 | $226M | 554 | 12 | 6 |
| Jul 2024July 2024 | $178M | 405 | 11 | 6 |
Besides its headquarters, SPWM Advisors has 6 offices (2 private residences, listed without an address), with 5 listed addresses in 1 state.
Michigan · 5 listed addresses
- 134 W State Street, Suite 200, Traverse CityHQ
- 52 South Elk Street, Sandusky
- 1550 N. Milford RD., Milford
- 246 S. River Ave, Holland
- 1400 US Hwy 23, Alpena
Contact and registration details
- Legal name
- SPWM Advisors LLC
- Headquarters
- 134 W State Street, Suite 200, Traverse City, MI 49684
- Website
- stonepathwm.com
- Phone
- 231-668-6999
- @stonepath-wealth-management
- SEC file
- 801-129202
- Structure
- Delaware LLC
- Fiscal year end
- December
SPWM Advisors’ named custodian for separately managed accounts is Raymond James ($299M). SPWM Advisors has custody of $593K for 1 clients.
- Raymond JamesRaymond James & Associates, Inc. · St. Petersburg, FL · $299M100%
At year end, SPWM Advisors’ separately managed accounts were largely in funds (42%) and stocks (38%). Its reported 13F holdings for the quarter ended 30 June 2026 total $108M across 90 positions; the largest are Invesco Exchange Traded FD T (14.9%), Fidelity Merrimack Str TR (10.9%) and American Centy ETF TR (10.2%).
What the accounts hold
- Stocks38%
- Funds42%
- Bonds15%
- Investment grade corporate bonds14%
- State and local bonds1%
- Cash5%
How many clients does SPWM Advisors have?
SPWM Advisors has 606 clients and manages $299 million for them, as of June 2026. They include 472 individual clients, 97 high-net-worth individuals, and 19 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 29 June 2026
What services does SPWM Advisors offer?
SPWM Advisors provides financial planning, 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
Which custodians does SPWM Advisors use?
SPWM Advisors’ separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $299M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 29 June 2026
How many financial advisors does SPWM Advisors have?
SPWM Advisors has 9 investment adviser representatives registered with state securities authorities, out of 13 employees, and 9 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 8 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
What does SPWM Advisors invest in?
At the end of its last fiscal year, SPWM Advisors’ separately managed accounts held 42% registered funds (mutual funds, ETFs, BDCs), 38% exchange-traded equities, 14% investment grade corporate bonds, 5% cash and equivalents and 1% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns SPWM Advisors?
SPWM Advisors is owned through holding companies by Matthew Golba and Lauren Golba. Its direct owners are Prestige Worldwide Enterprises Inc and LRG Financial, Inc., each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 29 June 2026
How does SPWM Advisors get paid?
SPWM Advisors is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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
How do I contact SPWM Advisors?
SPWM Advisors’ main office is at 134 W State Street, Suite 200, Traverse City, MI 49684. Its phone number is 231-668-6999. Its website is stonepathwm.com.