Compliance disclosure
Form ADV Part 2A — Vega Wealth
The Brochure. Required disclosures about Vega Wealth's services, fees, conflicts of interest, disciplinary history, and operations.
Placeholder content. The real Form ADV Part 2A is filed via IARD and will be inserted here once Vega Wealth completes RIA registration. Until then, this page exists so the route, link structure, and storage versioning are wired. See Disclosures for current firm posture.
Item 1 — Cover Page
Vega Wealth LLC ("Vega Wealth," "we," "us") is a state-registered investment adviser with its principal office at [Address pending entity formation]. This Brochure provides information about the qualifications and business practices of Vega Wealth. If you have any questions about the contents of this Brochure, contact us at hello@vega.tax.
The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission ("SEC") or by any state securities authority. Registration as an investment adviser does not imply a certain level of skill or training.
Item 4 — Advisory Business
Vega Wealth provides discretionary investment management and financial planning services to individuals and small businesses. We integrate tax planning provided by our affiliate Vega Tax PA (a CPA firm) into our investment-advisory process. Our AI-augmented Strategy Map identifies strategies that may apply to each client's facts; an Investment Adviser Representative (IAR) ratifies every recommendation before implementation.
Item 5 — Fees and Compensation
Vega Wealth charges a tiered fee combining a flat monthly subscription with an asset-based component above a threshold AUM. Specific fee schedules are disclosed in each client's advisory agreement before any assets are managed. We do not receive commissions, soft-dollar arrangements, or other forms of variable compensation from third parties.
Item 8 — Methods of Analysis, Investment Strategies, and Risk of Loss
We construct portfolios using low-cost passive index funds and ETFs, allocating across asset classes (US equity, international developed, emerging markets, US and international bonds, REITs, cash) based on the client's Investment Policy Statement (IPS). Tax-aware overlays include asset location (placing tax-inefficient assets in tax-deferred accounts), tax-loss harvesting, and coordination with the client's tax return. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.
Item 9 — Disciplinary Information
None at this time.
Item 10 — Other Financial Industry Activities and Affiliations
Vega Tax PA, an affiliated CPA firm under common ownership with Vega Wealth, provides tax preparation and advisory services to clients of Vega Wealth. Clients are not required to use both services. Fees for each are disclosed separately. Conflicts of interest arising from this affiliation are mitigated by written policies and the fiduciary duty Vega Wealth owes its clients.
Item 11 — Code of Ethics, Participation in Client Transactions
Vega Wealth has adopted a Code of Ethics covering personal trading by employees, gifts and entertainment, insider trading prevention, and political contributions. A copy is available at /legal/code-of-ethics.
Item 12 — Brokerage Practices
Vega Wealth recommends Altruist Financial LLC as the primary qualified custodian for client assets. Altruist provides RIA-focused custody, trading, reporting, and tax-lot accounting. Vega Wealth does not receive compensation from Altruist contingent on client account placement.
Item 14 — Client Referrals and Other Compensation
None at this time.
Item 17 — Voting Client Securities
Vega Wealth does not vote proxies on behalf of clients. Clients receive proxy materials from their custodian and vote directly.
This placeholder Brochure becomes the live filing upon completion of RIA registration. Version history is tracked in the compliance_filings table; the live version (filed via IARD) supersedes this page.