Million Pebbles

Overview

Million Pebbles is a small, independent registered investment adviser operating as a corporation with an individual owner. The firm focuses on financial planning and portfolio management for individuals and small businesses, charging clients primarily as a percentage of assets under management and on an hourly basis for advisory work. Its client base is individual and family households rather than institutional or pension clients. Million Pebbles does not present itself as an ESG-focused manager, does not operate across multiple states, and is not a capital allocator in the sense of running third‑party private funds. Investment activity at the firm is equity‑tilted: the ADV shows a clear preference for exchange‑traded equities as the dominant asset class. Advisory assets are managed on a discretionary basis, and the firm’s business model and scale point to a boutique, relationship‑focused practice rather than a multi‑strategy allocator or family office. Million Pebbles maintains an industry affiliation with an insurance company, which may reflect referral or product relationships, but its core advisory services remain financial planning and discretionary portfolio management.

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Location & Offices