Ethan Pepper
Orchard City Wealth Management, LLC · Los Gatos, California
Ethan Pepper is a fee-only financial advisor at Orchard City Wealth Management, LLC in Los Gatos, California, who holds the CFP, EA and RLP credentials. Ethan charges a flat fee or retainer and an ongoing planning fee (1.4% a year on the first tier of assets managed) and focuses on equity compensation, tax planning and retirement planning.
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Specialties
Who they serve
- Tech employees
Facts
| Firm | Orchard City Wealth Management, LLC |
|---|---|
| Based in | Los Gatos, California |
| Fee model | Flat fee or retainer · Ongoing planning fee |
| Fees (firm's website) | 1.4% a year on the first tier of assets managed |
| Accepting new clients | Yes |
| Assets under management | $116.1M across 254 accounts |
| Credentials | CFP · EA · RLP |
| SEC registration | Investment adviser representative in TX · CRD 4499498 |
| Exams passed | Series 63 (2002) · Series 65 (2005) |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | orchardcitywm.com |
| Profile |
How Ethan's firm compares
- Orchard City Wealth Management, LLC's average account is about $457,000, from its Form ADV (assets managed divided by 254 accounts).
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Questions about Ethan
Is Ethan Pepper a fee-only financial advisor?
Yes. Ethan Pepper is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ethan's firm.
How does Ethan charge for financial advice?
Ethan charges a flat fee or retainer and an ongoing planning fee.
How much does Ethan charge?
According to Orchard City Wealth Management, LLC's website, checked October 28, 2026: 1.4% a year on the first tier of assets managed.
Where is Ethan Pepper based?
Ethan Pepper is based in Los Gatos, California.
What does Ethan specialize in?
Ethan's specialties include equity compensation, tax planning, retirement planning and estate & legacy planning. Ethan works with tech employees.
What credentials does Ethan Pepper hold?
Ethan Pepper holds the CFP, EA and RLP credentials.
Is Ethan Pepper registered with the SEC?
Yes. Ethan Pepper is registered as an investment adviser representative in TX (CRD 4499498), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Orchard City Wealth Management, LLC manage?
Orchard City Wealth Management, LLC reports $116.1M across 254 accounts in assets under management.
How do I contact Ethan Pepper?
Through Ethan's website, orchardcitywm.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Orchard City Wealth Management, LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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