{"url":"https://nivawealth.com/firms/twin-rivers-wealth-management-305773","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/305773","regulatoryAum":121500000,"crd":"305773","secFileNumber":"801-137185","legalName":"Twin Rivers Wealth Management LLC","displayName":"Twin Rivers Wealth Management","slug":"twin-rivers-wealth-management-305773","website":"https://tr-wealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1783 Tribute RD., Suite D","city":"Sacramento","state":"CA","stateName":"California","country":"United States","postalCode":"95815"},"tradeNames":[],"registration":{"secApproved":"28 August 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":464062.5,"staff":{"employees":5,"advisory":4,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":121500000,"discretionary":121500000,"discretionaryAccounts":700,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":234,"regulatoryAum":77300000},{"label":"High-net-worth individuals","clients":22,"regulatoryAum":41500000},{"label":"Pension and profit-sharing plans","clients":3,"fewerThan5":true,"regulatoryAum":1600000},{"label":"Other investment advisers","clients":8,"regulatoryAum":0},{"label":"Corporations and other businesses","clients":7,"regulatoryAum":1100000}],"feePrograms":[{"role":"main","program":"Investment Management Fees","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":1.35,"from":0},{"to":750000,"pct":1.25,"from":500000},{"to":1000000,"pct":1.15,"from":750000},{"to":1500000,"pct":1,"from":1000000},{"to":2000000,"pct":0.85,"from":1500000},{"to":null,"pct":0.5,"from":2000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053292","versionId":1053292,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-07-29","documentName":"FORM ADV PART 2A DATED JULY 29, 2026","fee_rate_low":0.5,"fee_rate_high":1.35,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is billed monthly in advance at $100 to $1,000 a month depending on complexity, or as one-time hourly work at $125 to $350 an hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053292","versionId":1053292,"submittedOn":"2026-07-29","documentName":"FORM ADV PART 2A DATED JULY 29, 2026"},{"role":"other","program":"Retirement Plan Support","summary":"Retirement plan support is a negotiated flat monthly rate or a percentage of assets under advisement not to exceed 3%.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053292","versionId":1053292,"submittedOn":"2026-07-29","documentName":"FORM ADV PART 2A DATED JULY 29, 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:27:40.191694+00:00","documents":[{"name":"FORM ADV PART 2A DATED JULY 29, 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053292","versionId":1053292,"submittedOn":"2026-07-29"}]},"custodians":[],"custodyNote":"Twin Rivers Wealth Management has custody of $46.5M in client assets for 177 clients.","otherCustodians":[],"leadership":[],"ownership":[],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"1783 Tribute RD., Suite D","city":"Sacramento","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"916-545-2581","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":9},{"label":"U.S. government/agency bonds","percent":8},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":78},{"label":"Cash and cash equivalents","percent":4},{"label":"Other","percent":1,"detail":"Alternatives and Private Placements"}],"privateFunds":0},"sources":{"adv1FilingDate":"26 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/305773/PDF/305773.pdf","brochureDate":"29 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1053292","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 Twin Rivers Wealth Management have?","answer":"Twin Rivers Wealth Management has 274 clients and manages $122 million for them, as of August 2026. They include 234 individual clients, 22 high-net-worth individuals and 8 other investment advisers.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Twin Rivers Wealth Management offer?","answer":"Twin Rivers Wealth Management provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.","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 Twin Rivers Wealth Management charge?","answer":"Twin Rivers Wealth Management charges 0.50%–1.35% a year for its Investment Management Fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A DATED JULY 29, 2026, filed 29 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does Twin Rivers Wealth Management have?","answer":"Twin Rivers Wealth Management has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 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 Twin Rivers Wealth Management invest in?","answer":"At the end of its last fiscal year, Twin Rivers Wealth Management’s separately managed accounts held 78% registered funds (mutual funds, ETFs, BDCs), 9% exchange-traded equities, 8% U.S. government and agency bonds, 4% cash and equivalents, 1% state and local bonds and 1% other. The 1% other category is described as: Alternatives and Private Placements.","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":"How does Twin Rivers Wealth Management get paid?","answer":"Twin Rivers Wealth Management is paid through a percentage of assets under management, hourly charges 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 Twin Rivers Wealth Management?","answer":"Twin Rivers Wealth Management’s main office is at 1783 Tribute RD., Suite D, Sacramento, CA 95815. Its phone number is 916-545-2581. Its website is tr-wealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 26 August 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."}