# Atwater Wealth Management, Inc.

> Atwater Wealth Management, Inc. is an SEC-registered investment advisory firm in Boston, MA, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 30, 2026.

- CRD: 172749
- Filed as: ATWATER WEALTH MANAGEMENT, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Boston, MA
- Filing period: October 2026
- Form ADV filing dated: September 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/172749
- AdvisorCensus page: https://advisorcensus.com/firm/atwater-wealth-management-inc-boston-ma-172749

## Quick answers

**How is Atwater Wealth Management, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Atwater Wealth Management, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is Atwater Wealth Management, Inc. located?**
Atwater Wealth Management, Inc.'s principal office is in Boston, MA, according to its Form ADV.

**Is Atwater Wealth Management, Inc. registered with the SEC or a state?**
Atwater Wealth Management, Inc. is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 172749.

**How much does Atwater Wealth Management, Inc. manage?**
Atwater Wealth Management, Inc. reports $248,226,322 in regulatory assets under management in its Form ADV filing dated September 30, 2026 (100% discretionary).

**How have Atwater Wealth Management, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Atwater Wealth Management, Inc.: Regulatory assets under management: $147,900,644 in the October 2021 data and $248,226,322 in the October 2026 data, up 68%. Total employees: 3 in October 2021 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Atwater Wealth Management, Inc. serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (62); individuals (other than high net worth individuals) (36).

**Which custodians does Atwater Wealth Management, Inc. use?**
Atwater Wealth Management, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Atwater Wealth Management, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/172749

**Does Atwater Wealth Management, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated March 12, 2026 says: "We ordinarily require a minimum of $ 2,000,000 in manageable assets to open and maintain an account. Exceptions may be made under certain circumstances (e.g., for related accounts and for the accounts of our personnel and their family members)."

**What changed in Atwater Wealth Management, Inc.'s recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in TX.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 12, 2026)

- Account minimum: $2,000,000 (the brochure says it may be waived or negotiated)

> We ordinarily require a minimum of $ 2,000,000 in manageable assets to open and maintain an account. Exceptions may be made under certain circumstances (e.g., for related accounts and for the accounts of our personnel and their family members).

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $248,226,322
- Discretionary: $248,226,322
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 36 | $13,387,613 |
| High net worth individuals | 62 | $234,838,709 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2018 (8 years)
- Employees: 3 total, 2 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CA, MA, NH, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- atwaterwealth.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $147,900,644 | 3 | March 31, 2021 |
| October 2022 | $176,208,000 | 3 | March 17, 2022 |
| October 2023 | $153,503,414 | 3 | March 6, 2023 |
| October 2024 | $192,656,737 | 3 | March 25, 2024 |
| October 2025 | $221,978,240 | 4 | March 13, 2025 |
| October 2026 | $248,226,322 | 3 | September 30, 2026 |

Regulatory assets under management: $147,900,644 in the October 2021 data and $248,226,322 in the October 2026 data, up 68%.
Total employees: 3 in October 2021 and 3 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Registered or notice-filed in TX.

### April 2026
- Employees performing advisory functions went from 3 to 2.
- Regulatory assets under management went from $221,978,240 to $248,226,322 (+12%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Atwater Wealth Management, Inc. (CRD 172749): Form ADV filing data as of October 2026.