# PCA Investment Advisory Services, Inc.

> PCA Investment Advisory Services, Inc. is an SEC-registered investment advisory firm in Cincinnati, OH, registered since 2006, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated July 21, 2026.

- CRD: 123475
- Filed as: PCA INVESTMENT ADVISORY SERVICES, INC.
- Also doing business as: PCA WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Cincinnati, OH
- Filing period: October 2026
- Form ADV filing dated: July 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/123475
- AdvisorCensus page: https://advisorcensus.com/firm/pca-investment-advisory-services-inc-cincinnati-oh-123475

## Quick answers

**How is PCA Investment Advisory Services, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), PCA Investment Advisory Services, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); commissions; other.

**How much does PCA Investment Advisory Services, Inc. charge?**
Its Form ADV Part 2A brochure dated July 21, 2026 states: Asset-based fee: 0.05% to 0.75% a year (a range, as the brochure states it); Flat fee: $750 to $2,500 (creating a client financial plan); Hourly rate: $100 to $250 an hour (creating a client financial plan). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is PCA Investment Advisory Services, Inc. located?**
PCA Investment Advisory Services, Inc.'s principal office is in Cincinnati, OH, according to its Form ADV.

**Is PCA Investment Advisory Services, Inc. registered with the SEC or a state?**
PCA Investment Advisory Services, Inc. is an SEC-registered investment advisory firm, registered since 2006. Status as filed: Approved. CRD 123475.

**How much does PCA Investment Advisory Services, Inc. manage?**
PCA Investment Advisory Services, Inc. reports $4,314,276,177 in regulatory assets under management in its Form ADV filing dated July 21, 2026 (53% discretionary).

**How have PCA Investment Advisory Services, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for PCA Investment Advisory Services, Inc.: Regulatory assets under management: $993,615,178 in the October 2021 data and $4,314,276,177 in the October 2026 data, up 334%. Total employees: 9 in October 2021 and 15 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does PCA Investment Advisory Services, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (623); pension and profit sharing plans (but not the plan participants or government pension plans) (292); high net worth individuals (249).

**Which custodians does PCA Investment Advisory Services, Inc. use?**
PCA Investment Advisory Services, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc., Fidelity Brokerage Services LLC and Matrix Trust Company as custodians holding 10% or more of its separately managed account assets.

**Does PCA Investment Advisory 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/123475

**What changed in PCA Investment Advisory Services, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $3,582,880,777 to $4,314,276,177 (+20%). No longer lists an office in West Chester, OH. Registered or notice-filed in IA, MA. Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated July 21, 2026)

- Asset-based fee: 0.05% to 0.75% a year (a range, as the brochure states it)

> Our investment advisory and consulting fees can be charged at a fixed rate, or as a percentage of investable assets generally ranging between 0.05%-0.75%.

- Flat fee: $750 to $2,500 (creating a client financial plan)

> Our financial planning fees typically range from $750 to $2,500 when calculated and charged on a fixed fee basis.

- Hourly rate: $100 to $250 an hour (creating a client financial plan)

> Alternatively, our financial planning fees, if calculated and charged on an hourly basis, typically range from $100 to $250 per hour.

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.
- Fidelity Brokerage Services LLC
- Matrix Trust Company

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: $4,314,276,177
- Discretionary: $2,298,067,702
- Non-discretionary: $2,016,208,475

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 623 | $183,888,906 |
| High net worth individuals | 249 | $761,694,340 |
| 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) | 292 | $3,360,474,791 |
| Charitable organizations | 0 | $0 |
| 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 | 11 | $8,218,140 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2006 (19 years)
- Employees: 15 total, 10 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, CT, FL, GA, IA, IL, IN, KY, LA, MA, MI, OH, SC, TN, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [pca401k.com](https://pca401k.com)
- Facebook @PENSIONCORPORATIONOFAMERICA
- LinkedIn @PENSION-CORPORATION-OF-AMERICA
- X @PCARetirement

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $993,615,178 | 9 | March 18, 2021 |
| October 2022 | $1,220,333,615 | 10 | March 25, 2022 |
| October 2023 | $2,542,928,756 | 10 | April 6, 2023 |
| October 2024 | $2,893,924,228 | 13 | July 25, 2024 |
| October 2025 | $3,582,880,777 | 13 | January 17, 2025 |
| October 2026 | $4,314,276,177 | 15 | July 21, 2026 |

Regulatory assets under management: $993,615,178 in the October 2021 data and $4,314,276,177 in the October 2026 data, up 334%.
Total employees: 9 in October 2021 and 15 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $3,582,880,777 to $4,314,276,177 (+20%).
- No longer lists an office in West Chester, OH.
- Registered or notice-filed in IA, MA.
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. PCA Investment Advisory Services, Inc. (CRD 123475): Form ADV filing data as of October 2026.