# Azzendo Wealth Advisors

> 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.

- CRD: 145919
- Filed as: AZZENDO WEALTH ADVISORS
- Legal name: Cathy Pareto and Associates, Inc.
- Also doing business as: AZZENDO WEALTH ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Coral Gables, FL
- Filing period: October 2026
- Form ADV filing dated: June 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/145919
- AdvisorCensus page: https://advisorcensus.com/firm/azzendo-wealth-advisors-coral-gables-fl-145919

## Quick answers

**How is Azzendo Wealth Advisors compensated?**
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).

**How much does Azzendo Wealth Advisors charge?**
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.

**Where is Azzendo Wealth Advisors located?**
Azzendo Wealth Advisors' principal office is in Coral Gables, FL, according to its Form ADV.

**Is Azzendo Wealth Advisors registered with the SEC or a state?**
Azzendo Wealth Advisors is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 145919.

**How much does Azzendo Wealth Advisors manage?**
Azzendo Wealth Advisors reports $300,132,683 in regulatory assets under management in its Form ADV filing dated June 23, 2026 (96% discretionary).

**How have Azzendo Wealth Advisors' assets and staff changed since 2021?**
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.

**What types of clients does Azzendo Wealth Advisors serve?**
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).

**Which custodians does Azzendo Wealth Advisors use?**
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.

**Does Azzendo Wealth Advisors 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/145919

**Does Azzendo Wealth Advisors state an account minimum?**
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."

**What changed in Azzendo Wealth Advisors' recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $268,013,075 to $300,132,683 (+12%).

## 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 June 23, 2026)

- Account minimum: $1,500,000 (the brochure says it may be waived or negotiated)

> 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.

- Flat fee: $7,500 to $25,000 (broad based planning services)

> 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 rate: $750 an hour (specific services (such as a modular plan or hourly consulting 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)

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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: $300,132,683
- Discretionary: $287,602,852
- Non-discretionary: $12,529,831

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 161 | $61,026,881 |
| High net worth individuals | 77 | $233,025,783 |
| 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) | 5 | $6,045,695 |
| Charitable organizations | 2 | $34,324 |
| 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
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services

### Firm details
- Registered since: 2017 (9 years)
- Employees: 7 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- azzendo.com
- cathypareto.com
- miamifinancialplanning.net
- miamimoneymanager.com
- miamiwealthmanagement.com
- Facebook @azzendowealthadvisors
- Instagram @azzendowealthadvisors
- LinkedIn @azzendo
- X @CATHYPARETO
- YouTube @MiamiFinancialAdvice
- YouTube @azzendowealthadvisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $173,924,464 | 5 | February 3, 2021 |
| October 2022 | $188,467,006 | 6 | February 16, 2022 |
| October 2023 | $197,357,700 | 6 | August 14, 2023 |
| October 2024 | $212,481,539 | 5 | February 23, 2024 |
| October 2025 | $268,013,075 | 6 | February 11, 2025 |
| October 2026 | $300,132,683 | 7 | June 23, 2026 |

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.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $268,013,075 to $300,132,683 (+12%).

### January 2026
- No longer registered or notice-filed in LA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Azzendo Wealth Advisors (CRD 145919): Form ADV filing data as of October 2026.