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 is a state-registered investment adviser that offers ongoing portfolio management, pension consulting, and financial planning to individuals, pension and profit‑sharing plans, and business entities. The firm reports a small client roster (three clients) and approximately $1.49 million in assets under management, and it may manage accounts on either a discretionary or non‑discretionary basis.
The firm documents each client’s goals and risk tolerance in an Investment Policy Statement and applies a mix of analytic methods — including fundamental, quantitative, technical, cyclical analysis and modern portfolio theory — to implement long‑term trading strategies across mutual funds, equities, fixed income, ETFs, REITs, private placements and other instruments. Financial planning is often provided at no additional cost, and for non‑discretionary accounts the firm provides recommendations that require client authorization before execution.
Noteworthy features include that a meaningful portion of AUM is handled on a non‑discretionary basis (about $514,840 of the reported $1.49M), a service mix that is less common among similarly supported firms, and an explicit pension consulting practice that can include discretionary or non‑discretionary management of plan assets. The brochure discloses that the firm’s principal is separately licensed to sell insurance — a potential conflict of interest the firm says it addresses through disclosure and client consent — and that the firm does not aggregate trades for multiple clients or participate in wrap‑fee programs.
Client services
Expertise
Occupation focus
Fee options
2.00% annually for Portfolio Management and Pension Consulting Services
Commissions received from sale of insurance products by licensed personnel, but not primary source of compensation
Account minimum: $1,000 Fee-only: Fee-based advisory services with no commissions as primary compensation
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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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 with Farm and Community Advisory in Los Gatos, CA, and has previously worked at Morgan Stanley Dean Witter, UBS Financial Services, and TCFG Investment Advisors. Neil is also CEO of Farm and Community Asset Advisors LLC and holds licenses as a California mortgage broker and health and life insurance agent. Farm and Community Advisory is a state-registered investment adviser serving individuals, pension and profit-sharing plans, and business entities with portfolio management, pension consulting, and financial planning. The firm uses a range of analytic methods and provides both discretionary and non-discretionary management, including an explicit pension consulting practice.
Joshua W
Series 65
Los Gatos, CA
Farm and Community Advisory
Joshua Williams is a financial advisor with Farm and Community Advisory in Los Gatos, CA, holding a Series 65 credential and one year of industry experience. He previously worked at Lockton Insurance and operates WH Personal Finance, a financial coaching practice focused on personal money management and debt strategies. Farm and Community Advisory provides portfolio management, pension consulting, and financial planning services to individuals and business entities. The firm uses a range of analytic methods and manages assets on both a discretionary and non-discretionary basis, with a focus on aligning investment strategies to client goals and risk tolerance.
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. He holds a Series 65 credential and has experience as a self-employed professional and at Picarro. In addition to his advisory role, he works as a real estate agent with Keller Williams. Farm and Community Advisory provides portfolio management, pension consulting, and financial planning services to individuals, pension and profit-sharing plans, and business entities, utilizing a range of analytic methods to implement long-term trading strategies across various investment instruments.
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