Million Pebbles
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$7,700,000
Clients
54
4% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
54
HighAverage account size
$142,593
About
Million Pebbles provides discretionary asset management and financial planning to individuals, high‑net‑worth clients, and business entities. The firm oversees about $7.7 million across roughly 54 client relationships and offers ongoing portfolio management, retirement and cash‑flow planning, and ad hoc financial consulting.
Portfolio management is tailored to each client’s objectives and risk tolerance and tends to be more concentrated in technology and growth individual stocks within a long‑term, risk‑aware framework; the firm may use covered option writing and puts for hedging. Investment decisions draw on a suite of quantitative and statistical tools — including cluster and cohort analysis, factor analysis, Monte Carlo simulation, regression, sentiment and time‑series analysis — to inform security selection and allocation.
What is distinctive relative to many peers is the firm’s affiliation with an insurance business: the advisor is a licensed insurance agent who spends about 10% of his time on those activities and may receive commissions for insurance products, a conflict the firm discloses and manages through policies and client disclosures. The firm also requires a single custodian relationship and delegates proxy voting to clients, practices that differ from some other independent advisers of comparable size.
Client services
Financial planning
Portfolio management
Expertise
Concentrated stock management
Tax-loss harvesting
Retirement income strategy
Cash flow / budgeting
Fee options
$0 - $1,000,000: 1.75% annually $1,000,000.01 - $5,000,000: 1.50% annually $5,000,000.01+: 1.25% annually
Insurance commissions from products sold by affiliated insurance agent
$199.69 per hour for financial planning services
Main office location
Million Pebbles
Colorado Springs CO, United States
Number of offices
1
Most active in
Million Pebbles has reported serving >5 clients in these states in the last 12 months.
Colorado · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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