Farm and Community Advisory
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$1,428,237
Clients
3
Advisors
3
of 3 employees
About
Farm and Community Advisory provides ongoing portfolio management, pension consulting, and financial planning to individuals, pension and profit-sharing plans, and business entities, tailoring services through an Investment Policy Statement for each client. The firm’s advice covers a broad set of investments — including mutual funds, equities, fixed income, ETFs, REITs, private placements, venture capital and annuities — and financial planning is provided to portfolio clients as part of its services.
The firm documents client goals, time horizon and risk tolerance and applies a mix of analysis methods (fundamental, quantitative, technical, charting and modern portfolio theory) with a long-term trading orientation. The brochure shows the adviser manages both discretionary and non-discretionary accounts (discretionary assets of $973,397 and non‑discretionary assets of $514,840 as of December 2025) and typically requests discretionary authority while also maintaining non-discretionary relationships.
Compared with many peers, the firm is newly established and maintains a very small client base and asset base (roughly $1.49 million across its accounts), and it discloses an affiliated insurance business through which supervised persons may receive compensation for insurance sales. The firm also notes it does not aggregate trades for multiple client accounts, uses institutional custody and receives research and other services from its custodian (Schwab), and it disclaims proxy‑voting authority for client securities.
Client services
Expertise
Occupation focus
Fee options
2.00% annually for portfolio management and pension consulting services; fees generally negotiable
Account minimum: $1,000
Main office
Los Gatos CA
Advisors at this office
3
Most active in
California
Also doing business as
Farm And Community Advisory · The Santa Cruz Company LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Neil G
CFP®, ChFC®, Series 66
Los Gatos, CA
Farm and Community Advisory
Neil Gavande is a CFP® and ChFC® with 23 years of industry experience. He is currently affiliated with Farm and Community Advisory in Los Gatos, CA, and has prior experience at Morgan Stanley Dean Witter and TCFG Investment Advisors. Neil serves as CEO of Farm and Community Asset Advisors LLC and holds licenses as a California Mortgage Broker and a Health and Life Insurance Agent through affiliated entities. Farm and Community Advisory provides portfolio management, pension consulting, and financial planning services to individuals, pension and profit-sharing plans, and business entities. The firm employs a variety of analytical methods and offers tailored investment strategies across diverse asset classes, maintaining a small client base with both discretionary and non-discretionary account management.
Joshua W
Series 65
Los Gatos, CA
Farm and Community Advisory
Joshua Williams is a financial advisor at Farm and Community Advisory with a Series 65 license. He has experience operating WH Personal Finance, a financial coaching practice focused on personal finance management, including expense tracking, savings improvement, and debt strategies. Prior to his advisory roles, he worked in various positions including at Santa Cruz Bicycles and Driscoll's Strawberry Association. Farm and Community Advisory provides portfolio management, pension consulting, and financial planning services tailored to individuals and employee benefit plans. The firm emphasizes non-discretionary management and uses written Investment Policy Statements to guide client goals, risk tolerances, and time horizons.
Salil P
Series 65
Los Gatos, CA
Farm and Community Advisory
Salil Prasad is a financial advisor at Farm and Community Advisory in Los Gatos, CA, holding a Series 65 designation with no prior industry experience. His work history includes roles at Picarro and self-employment periods, and he is also a licensed real estate agent with Keller Williams. Farm and Community Advisory provides portfolio management, pension consulting, and financial planning services primarily on a non-discretionary basis, focusing on individualized investment policy statements and employing a range of analytical methods with a long-term trading approach.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")