# Zermatt Wealth Advisors

> Zermatt Wealth Advisors is an SEC-registered investment advisory firm in San Diego, CA, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 15, 2026.

- CRD: 307404
- Filed as: ZERMATT WEALTH ADVISORS
- Legal name: Zermatt Wealth, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Diego, CA
- Filing period: October 2026
- Form ADV filing dated: September 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/307404
- AdvisorCensus page: https://advisorcensus.com/firm/zermatt-wealth-advisors-san-diego-ca-307404

## Quick answers

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

**How much does Zermatt Wealth Advisors charge?**
Its Form ADV Part 2A brochure dated June 17, 2026 states: Subscription: $1,000 a year (Flat “Fixed” Management Fees); Hourly rate: $100 to $500 an hour (miscellaneous services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Zermatt Wealth Advisors located?**
Zermatt Wealth Advisors' principal office is in San Diego, CA, according to its Form ADV; the October 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Zermatt Wealth Advisors registered with the SEC or a state?**
Zermatt Wealth Advisors is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 307404.

**How much does Zermatt Wealth Advisors manage?**
Zermatt Wealth Advisors reports $206,868,931 in regulatory assets under management in its Form ADV filing dated September 15, 2026 (85% discretionary).

**How have Zermatt Wealth Advisors' assets and staff changed since 2021?**
In the Form ADV data for Zermatt Wealth Advisors: Regulatory assets under management: $264,683,997 in the October 2021 data and $206,868,931 in the October 2026 data, down 22%. Total employees: 7 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 Zermatt Wealth Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (172); high net worth individuals (88); charitable organizations (2).

**Which custodians does Zermatt Wealth Advisors use?**
Zermatt Wealth Advisors' 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 Zermatt Wealth 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/307404

**What changed in Zermatt Wealth Advisors' recent Form ADV filings?**
In the October 2026 filing data: Changed its legal name from WFA of San Diego, LLC to Zermatt Wealth, LLC.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated June 17, 2026)

- Subscription: $1,000 a year (Flat “Fixed” Management Fees)

> The retainer fee will be reflected in Schedule A of the “CA” and will be billed quarterly, in arrears. There is a minimum annual retainer fee of $1,000.

- Hourly rate: $100 to $500 an hour (miscellaneous services)

> WFA SD's hourly fees range from $100 to $500 per hour depending on staff billing rates based on the nature and scope of services.

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.

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: $206,868,931
- Discretionary: $176,674,709
- Non-discretionary: $30,194,222

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 172 | $37,231,168 |
| High net worth individuals | 88 | $164,952,337 |
| 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) | 1 | $662,023 |
| Charitable organizations | 2 | $4,023,403 |
| 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 | 0 | $0 |
| Other | 0 | $0 |

### 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
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2020 (6 years)
- Employees: 5 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, IL, NC, OH, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Charlotte, NC

### Websites listed on Form ADV (Item 1.I)
- wfasandiego.com
- Facebook @WFAWealthManagers
- LinkedIn @wfa-wealth-managers

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $264,683,997 | 7 | May 25, 2021 |
| October 2022 | $273,796,562 | 7 | July 8, 2022 |
| October 2023 | $201,043,814 | 5 | April 21, 2023 |
| October 2024 | $172,596,754 | 5 | July 3, 2024 |
| October 2025 | $177,769,277 | 5 | March 31, 2025 |
| October 2026 | $206,868,931 | 5 | September 15, 2026 |

Regulatory assets under management: $264,683,997 in the October 2021 data and $206,868,931 in the October 2026 data, down 22%.
Total employees: 7 in October 2021 and 5 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Changed its legal name from WFA of San Diego, LLC to Zermatt Wealth, LLC.

### August 2026
- Updated its list of owners and control persons (Schedule A).

### April 2026
- Regulatory assets under management went from $177,769,277 to $206,868,931 (+16%).

### February 2026
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Zermatt Wealth Advisors (CRD 307404): Form ADV filing data as of October 2026.