# Pension & Wealth Management Advisors

> Pension & Wealth Management Advisors is an SEC-registered investment advisory firm in Waltham, MA, registered since 2020, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated May 6, 2026.

- CRD: 309546
- Filed as: PENSION & WEALTH MANAGEMENT ADVISORS
- Legal name: Pension & Wealth Management Advisors, Inc.
- Also doing business as: PENSION & WEALTH MANAGEMENT ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Waltham, MA
- Filing period: October 2026
- Form ADV filing dated: May 6, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/309546
- AdvisorCensus page: https://advisorcensus.com/firm/pension-and-wealth-management-advisors-waltham-ma-309546

## Quick answers

**How is Pension & Wealth Management Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), Pension & Wealth Management Advisors reports these compensation arrangements: a percentage of assets under its management.

**How much does Pension & Wealth Management Advisors charge?**
Its Form ADV Part 2A brochure dated April 28, 2026 states: Asset-based fee: 1% of assets a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Pension & Wealth Management Advisors located?**
Pension & Wealth Management Advisors' principal office is in Waltham, MA, according to its Form ADV.

**Is Pension & Wealth Management Advisors registered with the SEC or a state?**
Pension & Wealth Management Advisors is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 309546.

**How much does Pension & Wealth Management Advisors manage?**
Pension & Wealth Management Advisors reports $529,811,638 in regulatory assets under management in its Form ADV filing dated May 6, 2026 (97% discretionary).

**How have Pension & Wealth Management Advisors' assets and staff changed since 2021?**
In the Form ADV data for Pension & Wealth Management Advisors: Regulatory assets under management: $128,053,975 in the October 2021 data and $529,811,638 in the October 2026 data, up 314%. Total employees: 8 in October 2021 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Pension & Wealth Management Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (388); high net worth individuals (105); pension and profit sharing plans (but not the plan participants or government pension plans) (30).

**Which custodians does Pension & Wealth Management Advisors use?**
Pension & Wealth Management Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Brokerage Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Pension & Wealth Management Advisors 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/309546

**What changed in Pension & Wealth Management Advisors' recent Form ADV filings?**
In the May 2026 filing data: Employees performing advisory functions went from 5 to 9. Regulatory assets under management went from $452,222,623 to $529,811,638 (+17%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated April 28, 2026)

- Asset-based fee: 1% of assets a year

> Our firm charges clients a 1.00% annual fee for portfolio management. Under certain circumstances we may charge a negotiated fee based on the portfolio being managed and the scope of the relationship.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Brokerage Services LLC

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: $529,811,638
- Discretionary: $511,825,542
- Non-discretionary: $17,986,096

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 388 | $92,181,145 |
| High net worth individuals | 105 | $362,944,383 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 30 | $69,148,336 |
| Charitable organizations | Fewer than 5 | $5,537,774 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2020 (6 years)
- Employees: 13 total, 9 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, CT, FL, IL, IN, MA, NH, NY, RI, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- pensionwealth.com
- Facebook @pensionwealth
- Instagram @pensionwealth
- LinkedIn @pension-wealth-management-advisors
- X @Pension_Wealth

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $128,053,975 | 8 | July 6, 2021 |
| October 2022 | $165,208,313 | 8 | June 18, 2022 |
| October 2023 | $172,137,233 | 8 | April 28, 2023 |
| October 2024 | $301,257,567 | 8 | April 12, 2024 |
| October 2025 | $452,222,623 | 9 | April 29, 2025 |
| October 2026 | $529,811,638 | 13 | May 6, 2026 |

Regulatory assets under management: $128,053,975 in the October 2021 data and $529,811,638 in the October 2026 data, up 314%.
Total employees: 8 in October 2021 and 13 in October 2026.

## Changes in the filing (last 12 months)

### May 2026
- Employees performing advisory functions went from 5 to 9.
- Regulatory assets under management went from $452,222,623 to $529,811,638 (+17%).

### February 2026
- Registered or notice-filed in CA, CO, CT, FL, IL, IN, MA, NH, NY, RI, TX.

### January 2026
- No longer registered or notice-filed in CA, CT, FL, IL, IN, MA, NH, NJ, PA, TX.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Pension & Wealth Management Advisors (CRD 309546): Form ADV filing data as of October 2026.