{"url":"https://nivawealth.com/firms/tailored-wealth-solutions-340266","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/340266","regulatoryAum":271777434,"crd":"340266","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7799432","suffix":null,"lastName":"Carbone","firstName":"Nicolas","middleName":"Robert"},{"crd":"4097796","suffix":"Jr.","lastName":"DURKEE","firstName":"JAMES","middleName":"ROSCOE"},{"crd":"7554435","suffix":"Jr.","lastName":"Papielion","firstName":"John","middleName":"Joseph"},{"crd":"4837398","suffix":null,"lastName":"TESTA","firstName":"MICHAEL","middleName":"ROSARIO"}],"total":4,"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":"801-135304","legalName":"Tailored Wealth Solutions, LLC","displayName":"Tailored Wealth Solutions","slug":"tailored-wealth-solutions-340266","website":"https://tailoredwealthsolutions.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2020","organization":"New York limited liability company","fiscalYearEnd":"December","headquarters":{"street":"110 Henry St.","city":"Saratoga Springs","state":"NY","stateName":"New York","country":"United States","postalCode":"12866"},"tradeNames":[],"registration":{"secApproved":"6 February 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1074219.1067193677,"staff":{"employees":7,"advisory":4,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":271777434,"discretionary":271777434,"discretionaryAccounts":744,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":183,"regulatoryAum":98578199},{"label":"High-net-worth individuals","clients":70,"regulatoryAum":173199235}],"feePrograms":[{"role":"main","program":"Asset Management Services","feeBasis":"marginal","fee_tiers":[{"to":250000,"pct":1.5,"from":0},{"to":500000,"pct":1.25,"from":250000},{"to":1000000,"pct":1.05,"from":500000},{"to":2000000,"pct":0.85,"from":1000000},{"to":5000000,"pct":0.65,"from":2000000},{"to":null,"pct":0.55,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047411","versionId":1047411,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-06-05","documentName":"TWS ADV2A FIRM BROCHURE","fee_rate_low":0.55,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning and estate design","summary":"Financial planning and estate design fees are typically flat fees of $3,000 to $25,000, with specialized projects at an hourly rate of no more than $500.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047411","versionId":1047411,"submittedOn":"2026-06-05","documentName":"TWS ADV2A FIRM BROCHURE"},{"role":"other","program":"Retirement plan asset management","summary":"Asset management for retirement plans is billed monthly in advance on a flat tiered schedule, from 1.25% on 0 to 500K down to 0.25% on 10 million and over.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047411","versionId":1047411,"submittedOn":"2026-06-05","documentName":"TWS ADV2A FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:34:22.781195+00:00","documents":[{"name":"TWS ADV2A FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047411","versionId":1047411,"submittedOn":"2026-06-05"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":271777434}],"custodyNote":"Tailored Wealth Solutions has custody of $53.5M in client assets for 121 clients.","otherCustodians":[],"leadership":[{"name":"Michael Testa","title":"Owner, CCO","crd":"4837398"}],"ownership":[{"label":"Michael Testa","detail":"Owner, cco in the 75% or more ownership band and a control person, since August 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New York","offices":1,"addresses":[{"street":"110 Henry St.","city":"Saratoga Springs","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"518-583-4800","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Subscription fees","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)","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":31},{"label":"Securities issued by registered investment companies or business development companies","percent":69}],"privateFunds":0},"sources":{"adv1FilingDate":"5 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/340266/PDF/340266.pdf","brochureDate":"5 June 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1047411","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 Tailored Wealth Solutions have?","answer":"Tailored Wealth Solutions has 253 clients and manages $272 million for them, as of June 2026. They include 183 individual clients and 70 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 Tailored Wealth Solutions offer?","answer":"Tailored Wealth Solutions provides financial planning, portfolio management for individuals and small businesses, selecting other managers, educational seminars, education planning, estate planning, insurance, philanthropic planning, retirement plan services, and tax 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 Tailored Wealth Solutions charge?","answer":"Tailored Wealth Solutions charges 0.55%–1.50% a year for its Asset Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"TWS ADV2A FIRM BROCHURE, filed 5 June 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Tailored Wealth Solutions use?","answer":"Tailored Wealth Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $272M. 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 Tailored Wealth Solutions have?","answer":"Tailored Wealth Solutions has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 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 Tailored Wealth Solutions invest in?","answer":"At the end of its last fiscal year, Tailored Wealth Solutions’ separately managed accounts held 69% registered funds (mutual funds, ETFs, BDCs) and 31% exchange-traded equities.","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 Tailored Wealth Solutions?","answer":"Tailored Wealth Solutions’ direct owner is Michael Testa (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 5 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Tailored Wealth Solutions get paid?","answer":"Tailored Wealth Solutions is paid through a percentage of assets under management, hourly charges, subscription fees 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 Tailored Wealth Solutions?","answer":"Tailored Wealth Solutions’ main office is at 110 Henry St., Saratoga Springs, NY 12866. Its phone number is 518-583-4800. Its website is tailoredwealthsolutions.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."}