{
  "crd_number": 145919,
  "slug": "azzendo-wealth-advisors-coral-gables-fl-145919",
  "primary_business_name": "AZZENDO WEALTH ADVISORS",
  "legal_name": "CATHY PARETO AND ASSOCIATES, INC.",
  "dbas": [
    "AZZENDO WEALTH ADVISORS"
  ],
  "city": "Coral Gables",
  "state": "FL",
  "country": "United States",
  "cbsa_code": "33100",
  "metro": {
    "cbsa_code": "33100",
    "common_name": "Miami",
    "msa_name": "Miami-Fort Lauderdale-West Palm Beach, FL",
    "path": "/advisors/fl/miami"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2017-04-13",
  "years_registered": 9,
  "period": "2026-10-01",
  "filing_date": "2026-06-23",
  "carried_forward": false,
  "raum_total": 300132683.0,
  "raum_discretionary": 287602852.0,
  "raum_non_discretionary": 12529831.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 7,
  "advisory_employees": 5,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 34324.0,
      "count": 2
    },
    "individuals": {
      "raum": 61026881.0,
      "count": 161
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 6045695.0,
      "count": 5
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 233025783.0,
      "count": 77
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "FL",
    "TX"
  ],
  "websites": [
    "https://azzendo.com",
    "https://cathypareto.com",
    "https://facebook.com/azzendowealthadvisors",
    "https://instagram.com/azzendowealthadvisors",
    "https://linkedin.com/company/azzendo",
    "https://miamifinancialplanning.net",
    "https://miamimoneymanager.com",
    "https://miamiwealthmanagement.com",
    "https://twitter.com/CATHYPARETO",
    "https://youtube.com/@MiamiFinancialAdvice",
    "https://youtube.com/@azzendowealthadvisors"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/145919",
  "city_as_filed": "CORAL GABLES",
  "url": "https://advisorcensus.com/firm/azzendo-wealth-advisors-coral-gables-fl-145919",
  "display_name": "Azzendo Wealth Advisors",
  "summary": "Azzendo Wealth Advisors is an SEC-registered investment advisory firm in Coral Gables, FL, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 23, 2026.",
  "citation": "AdvisorCensus. Azzendo Wealth Advisors (CRD 145919): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is Azzendo Wealth Advisors compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Azzendo Wealth Advisors reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Azzendo Wealth Advisors charge?",
      "a": "Its Form ADV Part 2A brochure dated June 23, 2026 states: Flat fee: $7,500 to $25,000 (broad based planning services); Hourly rate: $750 an hour (specific services (such as a modular plan or hourly consulting services)). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Azzendo Wealth Advisors located?",
      "a": "Azzendo Wealth Advisors' principal office is in Coral Gables, FL, according to its Form ADV."
    },
    {
      "q": "Is Azzendo Wealth Advisors registered with the SEC or a state?",
      "a": "Azzendo Wealth Advisors is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 145919."
    },
    {
      "q": "How much does Azzendo Wealth Advisors manage?",
      "a": "Azzendo Wealth Advisors reports $300,132,683 in regulatory assets under management in its Form ADV filing dated June 23, 2026 (96% discretionary)."
    },
    {
      "q": "How have Azzendo Wealth Advisors' assets and staff changed since 2021?",
      "a": "In the Form ADV data for Azzendo Wealth Advisors: Regulatory assets under management: $173,924,464 in the October 2021 data and $300,132,683 in the October 2026 data, up 73%. Total employees: 5 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Azzendo Wealth Advisors serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (161); high net worth individuals (77); pension and profit sharing plans (but not the plan participants or government pension plans) (5)."
    },
    {
      "q": "Which custodians does Azzendo Wealth Advisors use?",
      "a": "Azzendo Wealth Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Azzendo Wealth Advisors report any disciplinary disclosures?",
      "a": "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/145919"
    },
    {
      "q": "Does Azzendo Wealth Advisors state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated June 23, 2026 says: \"Azzendo Wealth Advisors generally requires a minimum of $ 1,500,000 to open and maintain an individually managed account. This account minimum may be waived at the discretion of the Firm.\""
    },
    {
      "q": "What changed in Azzendo Wealth Advisors' recent Form ADV filings?",
      "a": "In the February 2026 filing data: Regulatory assets under management went from $268,013,075 to $300,132,683 (+12%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 173924464.0,
      "total_employees": 5,
      "filing_date": "2021-02-03"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 188467006.0,
      "total_employees": 6,
      "filing_date": "2022-02-16"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 197357700.0,
      "total_employees": 6,
      "filing_date": "2023-08-14"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 212481539.0,
      "total_employees": 5,
      "filing_date": "2024-02-23"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 268013075.0,
      "total_employees": 6,
      "filing_date": "2025-02-11"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 300132683.0,
      "total_employees": 7,
      "filing_date": "2026-06-23"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Regulatory assets under management went from $268,013,075 to $300,132,683 (+12%)."
      ]
    },
    {
      "period": "2026-01-01",
      "period_label": "January 2026",
      "notes": [
        "No longer registered or notice-filed in LA."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated June 23, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$1,500,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $7,500 to $25,000 (broad based planning services)",
      "Hourly rate: $750 an hour (specific services (such as a modular plan or hourly consulting services))"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $1,500,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Azzendo Wealth Advisors generally requires a minimum of $ 1,500,000 to open and maintain an individually managed account. This account minimum may be waived at the discretion of the Firm."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $7,500 to $25,000 (broad based planning services)"
        ],
        "quotes": [
          "Fixed Fees: Azzendo Wealth Advisors will charge a fixed fee that ranges from $7,500.00 to $25,000.00, for broad based planning services."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $750 an hour (specific services (such as a modular plan or hourly consulting services))"
        ],
        "quotes": [
          "Hourly Fees: Azzendo Wealth Advisors charges an hourly fee of $750 for clients who request specific services (such as a modular plan or hourly consulting services)"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 1500000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 7500.0,
          "max": 25000.0,
          "period": "one_time",
          "service": "broad based planning services"
        },
        {
          "kind": "hourly",
          "amount": 750.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "specific services (such as a modular plan or hourly consulting services)"
        }
      ]
    },
    "quotes": [
      "Azzendo Wealth Advisors generally requires a minimum of $ 1,500,000 to open and maintain an individually managed account. This account minimum may be waived at the discretion of the Firm.",
      "Fixed Fees: Azzendo Wealth Advisors will charge a fixed fee that ranges from $7,500.00 to $25,000.00, for broad based planning services.",
      "Hourly Fees: Azzendo Wealth Advisors charges an hourly fee of $750 for clients who request specific services (such as a modular plan or hourly consulting services)"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/azzendo-wealth-advisors-coral-gables-fl-145919.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 161,
      "fewer_than_5": false,
      "raum": 61026881.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 77,
      "fewer_than_5": false,
      "raum": 233025783.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 5,
      "fewer_than_5": false,
      "raum": 6045695.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 2,
      "fewer_than_5": false,
      "raum": 34324.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/145919",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}