{
  "crd_number": 311949,
  "slug": "findec-wealth-services-inc-stockton-ca-311949",
  "primary_business_name": "FINDEC WEALTH SERVICES, INC.",
  "legal_name": "FINDEC WEALTH SERVICES, INC.",
  "dbas": [],
  "city": "Stockton",
  "state": "CA",
  "country": "United States",
  "cbsa_code": "44700",
  "metro": {
    "cbsa_code": "44700",
    "common_name": "Stockton",
    "msa_name": "Stockton-Lodi, CA",
    "path": "/advisors/ca/stockton"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2021-01-11",
  "years_registered": 5,
  "period": "2026-10-01",
  "filing_date": "2026-03-23",
  "carried_forward": false,
  "raum_total": 627905000.0,
  "raum_discretionary": 627905000.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 5,
  "advisory_employees": 3,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 1402000.0,
      "count": 2,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 54561000.0,
      "count": 306
    },
    "state_municipal": {
      "raum": 15736000.0,
      "count": 11
    },
    "pension_profit_sharing": {
      "raum": 490223000.0,
      "count": 238
    },
    "high_net_worth_individuals": {
      "raum": 65490000.0,
      "count": 38
    },
    "corporations_other_businesses": {
      "raum": 493000.0,
      "count": 2,
      "fewer_than_5": true
    }
  },
  "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": [
    "AZ",
    "CA",
    "CO",
    "FL",
    "ID",
    "IL",
    "LA",
    "NE",
    "NV",
    "OR",
    "TX",
    "WA"
  ],
  "websites": [
    "https://facebook.com/_FINDEC",
    "https://findec.com",
    "https://instagram.com/_FINDEC",
    "https://linkedin.com/COMPANY/18605066/ADMIN"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/311949",
  "city_as_filed": "STOCKTON",
  "url": "https://advisorcensus.com/firm/findec-wealth-services-inc-stockton-ca-311949",
  "display_name": "Findec Wealth Services, Inc.",
  "summary": "Findec Wealth Services, Inc. is an SEC-registered investment advisory firm in Stockton, CA, registered since 2021, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 23, 2026.",
  "citation": "AdvisorCensus. Findec Wealth Services, Inc. (CRD 311949): 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 Findec Wealth Services, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Findec Wealth Services, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Findec Wealth Services, Inc. charge?",
      "a": "Its Form ADV Part 2A brochure dated March 23, 2026 states: Flat fee: $1,500 to $5,000 (financial planning services); Hourly rate: $400 an hour (Financial Planning Services); Flat fee: $1,000 (single subject pension consulting service). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Findec Wealth Services, Inc. located?",
      "a": "Findec Wealth Services, Inc.'s principal office is in Stockton, CA, according to its Form ADV."
    },
    {
      "q": "Is Findec Wealth Services, Inc. registered with the SEC or a state?",
      "a": "Findec Wealth Services, Inc. is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 311949."
    },
    {
      "q": "How much does Findec Wealth Services, Inc. manage?",
      "a": "Findec Wealth Services, Inc. reports $627,905,000 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (100% discretionary)."
    },
    {
      "q": "How have Findec Wealth Services, Inc.'s assets and staff changed since 2021?",
      "a": "In the Form ADV data for Findec Wealth Services, Inc.: Regulatory assets under management: $791,128,672 in the October 2021 data and $627,905,000 in the October 2026 data, down 21%. Total employees: 8 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Findec Wealth Services, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (306); pension and profit sharing plans (but not the plan participants or government pension plans) (238); high net worth individuals (38)."
    },
    {
      "q": "Which custodians does Findec Wealth Services, Inc. use?",
      "a": "Findec Wealth Services, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Charles Schwab Trust Bank as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Findec Wealth Services, Inc. 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/311949"
    },
    {
      "q": "Does Findec Wealth Services, Inc. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 23, 2026 says: \"In general, we require a minimum of $250,000 (household) to open and maintain an advisory account. At our discretion, we may waive this minimum account size.\""
    },
    {
      "q": "What changed in Findec Wealth Services, Inc.'s recent Form ADV filings?",
      "a": "In the April 2026 filing data: Employees performing advisory functions went from 2 to 3. Regulatory assets under management went from $770,564,000 to $627,905,000 (-19%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 791128672.0,
      "total_employees": 8,
      "filing_date": "2021-06-15"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 864012538.0,
      "total_employees": 10,
      "filing_date": "2022-09-09"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 780025545.0,
      "total_employees": 4,
      "filing_date": "2023-03-16"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 963900000.0,
      "total_employees": 4,
      "filing_date": "2024-06-04"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 770564000.0,
      "total_employees": 4,
      "filing_date": "2025-03-14"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 627905000.0,
      "total_employees": 5,
      "filing_date": "2026-03-23"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 2 to 3.",
        "Regulatory assets under management went from $770,564,000 to $627,905,000 (-19%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 23, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$250,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $1,500 to $5,000 (financial planning services)",
      "Hourly rate: $400 an hour (Financial Planning Services)",
      "Flat fee: $1,000 (single subject pension consulting service)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $250,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "In general, we require a minimum of $250,000 (household) to open and maintain an advisory account. At our discretion, we may waive this minimum account size."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,500 to $5,000 (financial planning services)"
        ],
        "quotes": [
          "We charge a fixed fee for financial planning services, which generally ranges from $1500 to $5000."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $400 an hour (Financial Planning Services)"
        ],
        "quotes": [
          "We also provide our Financial Planning Services based upon an hourly fee of up to $400.00 per hour"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,000 (single subject pension consulting service)"
        ],
        "quotes": [
          "Generally, the negotiable fixed fee or flat fee starts at $1000 for the single subject pension consulting service."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 250000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 1500.0,
          "max": 5000.0,
          "period": "one_time",
          "service": "financial planning services"
        },
        {
          "kind": "hourly",
          "amount": 400.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Financial Planning Services"
        },
        {
          "kind": "flat",
          "amount": 1000.0,
          "min": null,
          "max": null,
          "period": "one_time",
          "service": "single subject pension consulting service"
        }
      ]
    },
    "quotes": [
      "In general, we require a minimum of $250,000 (household) to open and maintain an advisory account. At our discretion, we may waive this minimum account size.",
      "We charge a fixed fee for financial planning services, which generally ranges from $1500 to $5000.",
      "We also provide our Financial Planning Services based upon an hourly fee of up to $400.00 per hour",
      "Generally, the negotiable fixed fee or flat fee starts at $1000 for the single subject pension consulting service."
    ],
    "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
    },
    {
      "name": "Charles Schwab Trust Bank",
      "name_as_filed": "CHARLES SCHWAB TRUST BANK",
      "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/findec-wealth-services-inc-stockton-ca-311949.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 306,
      "fewer_than_5": false,
      "raum": 54561000.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 38,
      "fewer_than_5": false,
      "raum": 65490000.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 238,
      "fewer_than_5": false,
      "raum": 490223000.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 2,
      "fewer_than_5": true,
      "raum": 1402000.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 11,
      "fewer_than_5": false,
      "raum": 15736000.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 2,
      "fewer_than_5": true,
      "raum": 493000.0
    }
  ],
  "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/311949",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}