Apple & Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$137,703,665
Total clients
239
17% high-net worth
Total advisors
3
of 4 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
80
Average account size
$576,166
About
Apple & Associates provides discretionary investment management and on-demand financial planning to individuals, trusts, pension plans and small businesses, covering topics such as investment, tax, estate, retirement and insurance planning. As of January 26, 2026 the firm reports about $137.7 million in discretionary assets under management, roughly 239 client relationships, and a three-advisor team operating from two offices.
The firm’s investment approach blends active and passive elements, using both fundamental and technical analysis to select individual stocks, bonds, mutual funds, ETFs and occasional variable annuities; positions are generally held long-term with periodic rebalancing and adjustments for changing market conditions and client objectives. Clients may impose reasonable restrictions on investments (including socially responsible exclusions) and the firm typically manages accounts on a discretionary basis.
Notable features in the brochure include a long-tenured principal working alongside substantially younger advisory staff, and a staff member who operates a direct-to-consumer financial planning software company and is disclosed to spend about 30 hours per month on that business. The brochure also discloses that several associated persons are licensed insurance agents with a third-party agency and may receive customary commissions if clients implement insurance recommendations, which the firm identifies as a potential conflict of interest.
Client services
Expertise
Occupation focus
Fee options
$0 - $500,000: 1.50% $500,001 - $999,999: 1.25% $1,000,000 - $4,999,999: 1.00% $5,000,000 - $6,999,999: 0.75% $7,000,000 - $9,999,999: 0.50% $10,000,000+: Negotiable
Commissions received from insurance products implemented through associated insurance agents.
Up to $150 per hour for financial planning services, negotiated based on scope and complexity.
Account minimum: $100,000
Main office location
Apple & Associates
565 Brunswick Road, Suite 8
Grass Valley CA 95945, United States
Number of offices
2
Most active in
California · Idaho · Oregon · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")