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The fee is billed in advance and is negotiable.","source":"VIGIL WEALTH DISCLOSURE BROCHURE, WRAP FEE PROGRAM BROCHURE, BROCHURE SUPPLEMENTS, AND PRIVACY POLICY, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Vigil Wealth Management use?","answer":"Vigil Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $176M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Vigil Wealth Management have?","answer":"Vigil Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 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 Vigil Wealth Management invest in?","answer":"At the end of its last fiscal year, Vigil Wealth Management’s separately managed accounts held 70% exchange-traded equities, 19% registered funds (mutual funds, ETFs, BDCs), 4% state and local bonds, 4% cash and equivalents, 2% U.S. government and agency bonds and 1% other. The 1% other category is described as: Real-Estate Investment Trusts.","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 Vigil Wealth Management?","answer":"Vigil Wealth Management’s direct owner is David Vigil (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Vigil Wealth Management get paid?","answer":"Vigil Wealth Management is paid through a percentage of assets under management, hourly charges and fixed fees. 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