# Hardworking Capital Advisors, LLC

> Hardworking Capital Advisors, LLC is an SEC-registered investment advisory firm in Palm Desert, CA, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 23, 2026.

- CRD: 226760
- Filed as: HARDWORKING CAPITAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Palm Desert, CA
- Filing period: October 2026
- Form ADV filing dated: March 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/226760
- AdvisorCensus page: https://advisorcensus.com/firm/hardworking-capital-advisors-llc-palm-desert-ca-226760

## Quick answers

**How is Hardworking Capital Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Hardworking Capital Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Hardworking Capital Advisors, LLC located?**
Hardworking Capital Advisors, LLC's principal office is in Palm Desert, CA, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Hardworking Capital Advisors, LLC registered with the SEC or a state?**
Hardworking Capital Advisors, LLC is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 226760.

**How much does Hardworking Capital Advisors, LLC manage?**
Hardworking Capital Advisors, LLC reports $205,982,956 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (100% discretionary).

**How have Hardworking Capital Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Hardworking Capital Advisors, LLC: Regulatory assets under management: $153,044,906 in the October 2021 data and $205,982,956 in the October 2026 data, up 35%. Total employees: 3 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Hardworking Capital Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (216); high net worth individuals (53); pension and profit sharing plans (but not the plan participants or government pension plans) (13).

**Which custodians does Hardworking Capital Advisors, LLC use?**
Hardworking Capital Advisors, LLC's 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 Hardworking Capital Advisors, LLC 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/226760

## From the Form ADV filing

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

### 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: $205,982,956
- Discretionary: $205,982,956
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 216 | $76,307,765 |
| High net worth individuals | 53 | $113,663,949 |
| 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) | 13 | $15,799,742 |
| Charitable organizations | 1 | $73,155 |
| 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 | 1 | $138,345 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2017 (8 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, OR, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Oxnard, CA
- Torrance, CA

### Websites listed on Form ADV (Item 1.I)
- hardworkingcapital.com
- Facebook @HardworkingCapital
- LinkedIn @hardworking-capital

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $153,044,906 | 3 | August 9, 2021 |
| October 2022 | $171,141,839 | 3 | March 24, 2022 |
| October 2023 | $160,458,577 | 3 | March 29, 2023 |
| October 2024 | $171,062,142 | 3 | March 28, 2024 |
| October 2025 | $192,102,939 | 2 | March 26, 2025 |
| October 2026 | $205,982,956 | 2 | March 23, 2026 |

Regulatory assets under management: $153,044,906 in the October 2021 data and $205,982,956 in the October 2026 data, up 35%.
Total employees: 3 in October 2021 and 2 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Hardworking Capital Advisors, LLC (CRD 226760): Form ADV filing data as of October 2026.