{"url":"https://nivawealth.com/firms/we-financial-group-298549","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/298549","regulatoryAum":127435763,"crd":"298549","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8041716","suffix":null,"lastName":"Benit","firstName":"Nicolas","middleName":"Jean Francis"},{"crd":"7003690","suffix":null,"lastName":"DECALF","firstName":"GUILLAUME","middleName":"MAXIME HENRI"},{"crd":"8010759","suffix":null,"lastName":"Savoy","firstName":"Smara","middleName":null},{"crd":"6256916","suffix":null,"lastName":"SWANSON","firstName":"LINDSEY","middleName":"DANAE"}],"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"},"history":[{"filedOn":"2025-07-03","regulatoryAum":101430130,"clients":107,"employees":3,"offices":1},{"filedOn":"2026-04-16","regulatoryAum":127435763,"clients":140,"employees":4,"offices":1}],"secFileNumber":"801-131895","legalName":"We Financial Group LLC","displayName":"We Financial Group","slug":"we-financial-group-298549","website":"https://wefinancialgroup.us/","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":"447 Sutter St, Suite 506 - 1493","city":"San Francisco","state":"CA","stateName":"California","country":"United States","postalCode":"94108"},"tradeNames":["Oui Financial France","Oui Financial International","Oui Financial US","Stripperfp","We Financial France","We Financial International","We Financial US"],"registration":{"secApproved":"4 February 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":910255.45,"staff":{"employees":4,"advisory":4,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":127435763,"discretionary":127435763,"discretionaryAccounts":648,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":2,"nonAumClients":110},"clientTypes":[{"label":"Individuals (other than HNW)","clients":96,"regulatoryAum":40124674},{"label":"High-net-worth individuals","clients":44,"regulatoryAum":87311089}],"feePrograms":[{"role":"other","program":"Estate planning","summary":"Estate planning is priced by complexity; the Trust-based Plan is $1,990, plus any deed transfer fees.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041663","versionId":1041663,"submittedOn":"2026-04-16","documentName":"FORM ADV PART 2A BROCHURE"},{"role":"other","program":"Financial planning (hourly)","summary":"Financial planning is billed hourly at a fee up to $400 per hour, paid in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041663","versionId":1041663,"submittedOn":"2026-04-16","documentName":"FORM ADV PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:09:51.334147+00:00","documents":[{"name":"FORM ADV PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041663","versionId":1041663,"submittedOn":"2026-04-16"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":18648480},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":98270310}],"custodyNote":"We Financial Group does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Guillaume Decalf","title":"CEO and Chief Compliance Officer","crd":"7003690"}],"ownership":[{"label":"Guillaume Decalf","detail":"Ceo and chief compliance officer in the 75% or more ownership band and a control person, since April 2018."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"447 Sutter St, Suite 506 - 1493","city":"San Francisco","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"415-994-9767","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","Selection of other advisers (including private fund managers)","Educational seminars/workshops","Other"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":68},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":27},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"16 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/298549/PDF/298549.pdf","brochureDate":"16 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1041663","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 We Financial Group have?","answer":"We Financial Group has 140 clients and manages $127 million for them, as of April 2026. They include 96 individual clients and 44 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does We Financial Group offer?","answer":"We Financial Group provides financial planning, portfolio management for individuals and small businesses, 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":"Which custodians does We Financial Group use?","answer":"We Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $98.3M and Fidelity Brokerage Services LLC (Smithfield, RI), with $18.6M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does We Financial Group have?","answer":"We Financial Group has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 We Financial Group invest in?","answer":"At the end of its last fiscal year, We Financial Group’s separately managed accounts held 68% exchange-traded equities, 27% registered funds (mutual funds, ETFs, BDCs), 2% cash and equivalents and 1% non-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 We Financial Group?","answer":"We Financial Group’s direct owner is Guillaume Decalf (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 16 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does We Financial Group get paid?","answer":"We Financial Group 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 We Financial Group?","answer":"We Financial Group’s main office is at 447 Sutter St, Suite 506 - 1493, San Francisco, CA 94108. Its phone number is 415-994-9767. Its website is wefinancialgroup.us.","source":"Form ADV Part 1A, Item 1.F, filed 16 April 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."}