{
  "crd_number": 281456,
  "slug": "pandowealth-llc-281456",
  "primary_business_name": "PANDOWEALTH. LLC",
  "legal_name": "PANDOWEALTH. LLC",
  "dbas": [],
  "city": null,
  "state": null,
  "country": null,
  "cbsa_code": null,
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2021-01-07",
  "years_registered": 5,
  "period": "2026-10-01",
  "filing_date": "2026-04-21",
  "carried_forward": false,
  "raum_total": 500276470.0,
  "raum_discretionary": 274060837.0,
  "raum_non_discretionary": 226215633.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 28,
  "advisory_employees": 14,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 65099786.0,
      "count": 288
    },
    "pension_profit_sharing": {
      "raum": 326093155.0,
      "count": 435
    },
    "high_net_worth_individuals": {
      "raum": 109083529.0,
      "count": 47
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "other",
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AL",
    "AR",
    "AZ",
    "CA",
    "CO",
    "DE",
    "FL",
    "GA",
    "IL",
    "IN",
    "KS",
    "LA",
    "MD",
    "MO",
    "NC",
    "NE",
    "NJ",
    "OH",
    "OK",
    "OR",
    "PA",
    "SC",
    "TN",
    "TX",
    "VA",
    "WA"
  ],
  "websites": [
    "https://cfa401k.com",
    "https://facebook.com/pandowealth",
    "https://linkedin.com/company/pandowealth",
    "https://pandowealth.com",
    "https://twitter.com/JIMCFA"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/281456",
  "city_as_filed": null,
  "url": "https://advisorcensus.com/firm/pandowealth-llc-281456",
  "display_name": "Pandowealth. LLC",
  "summary": "Pandowealth. LLC is an SEC-registered investment advisory firm, registered since 2021, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated April 21, 2026.",
  "citation": "AdvisorCensus. Pandowealth. LLC (CRD 281456): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Educational seminars/workshops",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Pandowealth. LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Pandowealth. LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Pandowealth. LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated April 21, 2026 states: Flat fee: $2,000 (Personal + Business CFO Services); Hourly rate: $250 an hour (Educational Workshops). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Is Pandowealth. LLC registered with the SEC or a state?",
      "a": "Pandowealth. LLC is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 281456."
    },
    {
      "q": "How much does Pandowealth. LLC manage?",
      "a": "Pandowealth. LLC reports $500,276,470 in regulatory assets under management in its Form ADV filing dated April 21, 2026 (55% discretionary)."
    },
    {
      "q": "How have Pandowealth. LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Pandowealth. LLC: Regulatory assets under management: $128,112,022 in the October 2021 data and $500,276,470 in the October 2026 data, up 290%. Total employees: 6 in October 2021 and 28 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Pandowealth. LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: pension and profit sharing plans (but not the plan participants or government pension plans) (435); individuals (other than high net worth individuals) (288); high net worth individuals (47)."
    },
    {
      "q": "Which custodians does Pandowealth. LLC use?",
      "a": "Pandowealth. LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc., Newedge Securities, LLC and Osaic Institutions, Inc. as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Pandowealth. LLC 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/281456"
    },
    {
      "q": "Does Pandowealth. LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated April 21, 2026 says: \"We do not require minimum income, minimum asset levels or other similar preconditions.\""
    },
    {
      "q": "What changed in Pandowealth. LLC's recent Form ADV filings?",
      "a": "In the May 2026 filing data: Employees performing advisory functions went from 13 to 14. Updated its list of owners and control persons (Schedule A)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 128112022.0,
      "total_employees": 6,
      "filing_date": "2021-09-24"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 154923934.0,
      "total_employees": 13,
      "filing_date": "2022-04-04"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 191129857.0,
      "total_employees": 12,
      "filing_date": "2023-09-06"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 299297668.0,
      "total_employees": 23,
      "filing_date": "2024-05-15"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 396024999.0,
      "total_employees": 25,
      "filing_date": "2025-07-28"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 500276470.0,
      "total_employees": 28,
      "filing_date": "2026-04-21"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-05-01",
      "period_label": "May 2026",
      "notes": [
        "Employees performing advisory functions went from 13 to 14.",
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 12 to 13.",
        "Regulatory assets under management went from $396,024,999 to $500,251,538 (+26%).",
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Employees performing advisory functions went from 13 to 12."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated April 21, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $2,000 (Personal + Business CFO Services)",
      "Hourly rate: $250 an hour (Educational Workshops)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "We do not require minimum income, minimum asset levels or other similar preconditions."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $2,000 (Personal + Business CFO Services)"
        ],
        "quotes": [
          "Upon Client's first engagement for any service with Pandowealth, there is a one-time fee of $2,000."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $250 an hour (Educational Workshops)"
        ],
        "quotes": [
          "Fees are based on an hourly rate of $250 per hour."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": 2000.0,
          "min": null,
          "max": null,
          "period": "one_time",
          "service": "Personal + Business CFO Services"
        },
        {
          "kind": "hourly",
          "amount": 250.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Educational Workshops"
        }
      ]
    },
    "quotes": [
      "We do not require minimum income, minimum asset levels or other similar preconditions.",
      "Upon Client's first engagement for any service with Pandowealth, there is a one-time fee of $2,000.",
      "Fees are based on an hourly rate of $250 per hour."
    ],
    "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": "Newedge Securities, LLC",
      "name_as_filed": "NEWEDGE SECURITIES, LLC",
      "affiliated": false
    },
    {
      "name": "Osaic Institutions, Inc.",
      "name_as_filed": "OSAIC INSTITUTIONS, 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/pandowealth-llc-281456.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 288,
      "fewer_than_5": false,
      "raum": 65099786.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 47,
      "fewer_than_5": false,
      "raum": 109083529.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 435,
      "fewer_than_5": false,
      "raum": 326093155.0
    }
  ],
  "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/281456",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}