# FinDec Wealth Services FinDec Wealth Services is a Bank / Wealth / Trust based in Stockton, United States. ## Overview - **Organization type:** Bank / Wealth / Trust - **Headquarters:** Stockton, United States - **Region:** North America - **Address:** Stockton, CA, United States - **Founded:** 1983 - **Assets under management:** Undisclosed - **Website:** findec.com - **LinkedIn:** https://www.linkedin.com/company/fin-dec ## Regulatory record - **CRD number:** 311949 - **SEC file number:** 801-120139 - **Registration status:** APPROVED - **Latest Form ADV filing:** 2026-03-23T05:00:00.000Z - **Reports private funds:** No - **Private funds reported:** 0 - **IAPD record:** https://adviserinfo.sec.gov/firm/summary/311949 ## About FinDec Wealth Services was founded in 1983 in Stockton, California, establishing itself as a registered investment advisor serving a mix of individual, high-net-worth, and corporate clients. The firm's longevity places it among a cohort of independent advisory practices that emerged before the rise of national consolidators and digital-first platforms, building client relationships grounded in in-person service and regional economic ties. Its Central Valley location has exposed the firm to a distinct client base shaped by agricultural wealth, local real estate, and small-to-midsize business ownership — economic drivers that differ markedly from the technology and finance concentrations of the Bay Area less than 90 miles west. The firm offers portfolio management, pension consulting, and comprehensive financial planning, operating across asset classes including equities, fixed income, and alternative investments. Its pension practice provides plan design, fiduciary oversight, and participant education for regional employers, a service line that often produces sticky, multigenerational client relationships. While specific portfolio holdings are not publicly disclosed, the firm constructs client allocations using a mix of direct securities, mutual funds, and exchange-traded funds, with alternatives accessed through institutional fund structures rather than direct co-investments or proprietary vehicles. FinDec maintains its single office in Stockton, with a team of undisclosed size. The firm's regulatory filings as an SEC-registered investment advisor confirm it provides services to high-net-worth individuals and corporate retirement plans alongside a broader retail client base, a deliberately diversified revenue mix that reduces concentration risk compared to ultra-high-net-worth-only practices. The firm's operational history is notable for its independence: it has not been acquired by a national wealth management consolidator or private-equity-backed roll-up, a common fate for advisory practices of its vintage, though no recent strategic announcements or fund launches have been made public. Structurally, FinDec distinguishes itself through longevity and local embeddedness rather than through a novel advisory model or specialized investment mandate. Its position as a generalist RIA in a secondary market provides durability and insulation from the competitive churn of major financial centers, while its pension practice serves as both a stable revenue engine and a relationship pipeline that extends beyond individual wealth management clients. ## Questions ### Does FinDec provide fiduciary or non-fiduciary investment advice? As an SEC-registered investment advisor, FinDec operates under a fiduciary standard, meaning it is legally obligated to put client interests ahead of its own when providing investment advice. This registration status, confirmed through public filings, distinguishes the firm's advisory relationship from broker-dealer models that apply a lower suitability standard. ### Has FinDec been acquired by a consolidator or rolled up into a larger advisory platform? No. FinDec has maintained independent ownership since its 1983 founding, resisting the acquisition wave that has absorbed many advisor practices into national aggregators, private-equity-backed roll-ups, and bank-owned wealth divisions. This independence is unusual for a four-decade-old RIA and remains a structural fact of the firm, though ownership and succession details are not publicly disclosed. ## Related profiles - [Find Us Faithful Foundation](https://altss.com/profile/find-us-faithful-foundation-fuff) - [FinDev Canada](https://altss.com/profile/findev-canada) --- Last updated: 2026-06-03T20:00:00.000Z Canonical page: https://altss.com/profile/findec-wealth-services Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology