# Findec Wealth Services, Inc.

> 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.

- CRD: 311949
- Filed as: FINDEC WEALTH SERVICES, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Stockton, CA
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/311949
- AdvisorCensus page: https://advisorcensus.com/firm/findec-wealth-services-inc-stockton-ca-311949

## Quick answers

**How is Findec Wealth Services, Inc. compensated?**
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).

**How much does Findec Wealth Services, Inc. charge?**
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.

**Where is Findec Wealth Services, Inc. located?**
Findec Wealth Services, Inc.'s principal office is in Stockton, CA, according to its Form ADV.

**Is Findec Wealth Services, Inc. registered with the SEC or a state?**
Findec Wealth Services, Inc. is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 311949.

**How much does Findec Wealth Services, Inc. manage?**
Findec Wealth Services, Inc. reports $627,905,000 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (100% discretionary).

**How have Findec Wealth Services, Inc.'s assets and staff changed since 2021?**
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.

**What types of clients does Findec Wealth Services, Inc. serve?**
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).

**Which custodians does Findec Wealth Services, Inc. use?**
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.

**Does Findec Wealth Services, 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/311949

**Does Findec Wealth Services, Inc. state an account minimum?**
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."

**What changed in Findec Wealth Services, Inc.'s recent Form ADV filings?**
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%).

## 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 23, 2026)

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> 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.

- Flat fee: $1,500 to $5,000 (financial planning services)

> We charge a fixed fee for financial planning services, which generally ranges from $1500 to $5000.

- Hourly rate: $400 an hour (Financial Planning Services)

> We also provide our Financial Planning Services based upon an hourly fee of up to $400.00 per hour

- Flat fee: $1,000 (single subject pension consulting service)

> Generally, the negotiable fixed fee or flat fee starts at $1000 for the single subject pension consulting service.

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.
- Charles Schwab Trust Bank

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: $627,905,000
- Discretionary: $627,905,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 306 | $54,561,000 |
| High net worth individuals | 38 | $65,490,000 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 238 | $490,223,000 |
| Charitable organizations | 2 | $1,402,000 |
| State or municipal government entities (including government pension plans) | 11 | $15,736,000 |
| Corporations or other businesses not listed above | 2 | $493,000 |

### 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: 2021 (5 years)
- Employees: 5 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, ID, IL, LA, NE, NV, OR, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [findec.com](https://findec.com)
- Facebook @_FINDEC
- Instagram @_FINDEC
- LinkedIn @18605066

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $791,128,672 | 8 | June 15, 2021 |
| October 2022 | $864,012,538 | 10 | September 9, 2022 |
| October 2023 | $780,025,545 | 4 | March 16, 2023 |
| October 2024 | $963,900,000 | 4 | June 4, 2024 |
| October 2025 | $770,564,000 | 4 | March 14, 2025 |
| October 2026 | $627,905,000 | 5 | March 23, 2026 |

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.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 2 to 3.
- Regulatory assets under management went from $770,564,000 to $627,905,000 (-19%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Findec Wealth Services, Inc. (CRD 311949): Form ADV filing data as of October 2026.