{"url":"https://nivawealth.com/firms/total-wealth-advisors-164633","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/164633","regulatoryAum":107216881,"crd":"164633","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2317297","suffix":null,"lastName":"MCCOY","firstName":"PAUL","middleName":"JOSEPH"},{"crd":"2266347","suffix":null,"lastName":"MCCOY","firstName":"SUZANNE","middleName":"MICHELLE"}],"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":"2021-04-21","regulatoryAum":118788113,"clients":136,"employees":4,"offices":1},{"filedOn":"2022-06-01","regulatoryAum":171660636,"clients":348,"employees":4,"offices":2},{"filedOn":"2023-03-20","regulatoryAum":202405728,"clients":271,"employees":4,"offices":2},{"filedOn":"2024-03-28","regulatoryAum":90680971,"clients":147,"employees":2,"offices":1},{"filedOn":"2025-03-31","regulatoryAum":102363444,"clients":107,"employees":2,"offices":1},{"filedOn":"2026-03-25","regulatoryAum":107216881,"clients":92,"employees":2,"offices":1}],"secFileNumber":"801-121278","legalName":"Total Wealth Advisors, LLC","displayName":"Total Wealth Advisors","slug":"total-wealth-advisors-164633","website":"https://totalwealthadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/total-wealth-advisors-llc/about/","founded":null,"organization":"Minnesota limited liability company","fiscalYearEnd":"December","headquarters":{"street":"809 Mainstreet","city":"Hopkins","state":"MN","stateName":"Minnesota","country":"United States","postalCode":"55343"},"tradeNames":[],"registration":{"secApproved":"21 May 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1279705.9855072463,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":107216881,"discretionary":103567601,"discretionaryAccounts":288,"nonDiscretionary":3649280,"nonDiscretionaryAccounts":13,"wrapProgram":82442124,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":42,"regulatoryAum":27725605},{"label":"High-net-worth individuals","clients":27,"regulatoryAum":60574108},{"label":"Pension and profit-sharing plans","clients":10,"regulatoryAum":15267888},{"label":"Other","clients":13,"regulatoryAum":3649280}],"feePrograms":[{"role":"main","program":"Portfolio Management (Standard Tiered Fee)","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025452","versionId":1025452,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-25","documentName":"FIRM BROCHURE - ADV PART 2A","fee_rate_low":0.95,"fee_rate_high":1.75,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Subscription financial planning","summary":"Subscription-based financial planning is $150 per month, charged at the beginning of each month.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025452","versionId":1025452,"submittedOn":"2026-03-25","documentName":"FIRM BROCHURE - ADV PART 2A"},{"role":"other","program":"Traditional financial planning","summary":"Traditional financial planning is offered for a negotiable fixed fee of $500 to $5,000, with one half due on signing the agreement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025452","versionId":1025452,"submittedOn":"2026-03-25","documentName":"FIRM BROCHURE - ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:33:22.403281+00:00","documents":[{"name":"FIRM BROCHURE - ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025452","versionId":1025452,"submittedOn":"2026-03-25"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025453","versionId":1025453,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Omaha, NE","smaAssets":88302780}],"custodyNote":"Total Wealth Advisors has custody of $29.6M in client assets for 105 clients.","otherCustodians":[],"leadership":[{"name":"Paul McCoy","title":"Managing Member / CCO","crd":"2317297"},{"name":"Suzanne McCoy","title":"Managing Member","crd":"2266347"}],"ownership":[{"label":"Paul McCoy","detail":"Managing member / cco in the 50% to 75% ownership band and a control person, since July 2012."},{"label":"Suzanne McCoy","detail":"Managing member in the 50% to 75% ownership band and a control person, since January 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Minnesota","offices":1,"addresses":[{"street":"809 Mainstreet","city":"Hopkins","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"612-294-9208","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":22},{"label":"Investment grade corporate bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":72},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/164633/PDF/164633.pdf","brochureDate":"25 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025452","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 Total Wealth Advisors have?","answer":"Total Wealth Advisors has 92 clients and manages $107 million for them, as of March 2026. They include 42 individual clients, 27 high-net-worth individuals and 13 other clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Total Wealth Advisors offer?","answer":"Total Wealth Advisors provides financial planning and portfolio management for individuals and small businesses.","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 Total Wealth Advisors charge?","answer":"Total Wealth Advisors charges 0.95%–1.75% a year for its Portfolio Management (Standard Tiered Fee). The fee is billed in advance and is negotiable.","source":"FIRM BROCHURE - ADV PART 2A, filed 25 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Total Wealth Advisors use?","answer":"Total Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $88.3M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Total Wealth Advisors have?","answer":"Total Wealth Advisors has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Total Wealth Advisors invest in?","answer":"At the end of its last fiscal year, Total Wealth Advisors’ separately managed accounts held 72% registered funds (mutual funds, ETFs, BDCs), 22% exchange-traded equities, 4% cash and equivalents and 2% 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 Total Wealth Advisors?","answer":"Total Wealth Advisors’ direct owners are Paul McCoy (50% to 75%) and Suzanne McCoy (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Total Wealth Advisors get paid?","answer":"Total Wealth Advisors is paid through a percentage of assets under management 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 Total Wealth Advisors?","answer":"Total Wealth Advisors’ main office is at 809 Mainstreet, Hopkins, MN 55343. Its phone number is 612-294-9208. Its website is totalwealthadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 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."}