Form ADV Part 2A
Version date: 05/08/2026
Spendvest Corp
34811 Heartland Ln, Murrieta, CA 92563
Phone: (775) 636-2906
Email: garek@spendvest.com
Website: https://spendvest.com
This brochure provides information about the qualifications and business practices of Spendvest Corp. If you have any questions about the contents of this brochure, please contact us at (775) 636-2906 or by email at garek@spendvest.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.
Additional information about Spendvest Corp is also available on the SEC’s website at www.adviserinfo.sec.gov. Spendvest Corp’s CRD number is 339469.
Registration as an investment adviser does not imply a certain level of skill or training.
Item 2: Material Changes
Form ADV Part 2 requires registered investment advisers to amend their brochure when information becomes materially inaccurate. If there are any material changes to an adviser’s disclosure brochure, the adviser is required to notify you and provide you with a description of the material changes.
Since our last other-than-annual update on 04/10/2026, we have the following material changes to report:
- Updated Item 14 to reflect the use of endorsements and testimonials through paid Promoters.
- Disclosed SPE’s interest received on client cash balances in Items 5 and 12.
Item 4: Advisory Business
A. Description of the Advisory Firm
Spendvest Corp (hereinafter “SPE”) is a corporation organized in the State of Delaware. The firm was formed in September 2025, and the principal owner is Garek Joseph Tauchen.
B. Types of Advisory Services
Robo-Advisory Portfolio Management Services
SPE provides an online, algorithm-driven investment service through the Spendvest platform. The platform utilizes a rules-based investment methodology that identifies publicly traded companies associated with a client’s spending activity and may allocate investments to those companies.
During onboarding, clients provide information regarding their financial situation, investment objectives, and risk tolerance. This information is used to determine whether the Spendvest strategy is suitable for the client and to establish portfolio parameters such as diversification thresholds, concentration limits, and overall equity exposure.
The platform’s algorithm then allocates investments among eligible securities associated with the client’s spending patterns while operating within the suitability and risk parameters established based on the client’s profile.
While spending activity serves as the primary signal used to identify potential investment securities, client characteristics such as age, financial situation, investment objectives, and risk tolerance are used to establish portfolio guardrails and suitability considerations.
Clients are encouraged to update their account/questionnaire with any change in their objectives, risk tolerance, or other pertinent information, as that information factors into the portfolio’s composition.
Services Limited to Specific Types of Investments
SPE generally limits its investment advice to equities and ETFs, although SPE primarily recommends equities and ETFs. SPE may use other securities as well to help diversify a portfolio when applicable.
Written Acknowledgement of Fiduciary Status
When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. We also have a fiduciary duty under the Investment Advisers Act of 1940 with respect to all client accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
- Meet a professional standard of care when making investment recommendations (give prudent advice);
- Never put our financial interests ahead of yours when making recommendations (give loyal advice);
- Avoid misleading statements about conflicts of interest, fees, and investments;
- Follow policies and procedures designed to ensure that we give advice that is in your best interest;
- Charge no more than is reasonable for our services; and
- Give you basic information about conflicts of interest.
C. Client Tailored Services and Client Imposed Restrictions
SPE provides online “robo-advisory” portfolio management. Client accounts are generally invested depending on the client’s individual profile and spending habits. This automated approach factors in client financial situation and risk tolerance using the algorithms used to provide advisory services. Clients may not impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs.
D. Wrap Fee Programs
A wrap fee program is an investment program where the investor pays one stated fee that includes management fees and transaction costs. SPE does not participate in wrap fee programs.
E. Assets Under Management
SPE has the following assets under management:
- Discretionary Amounts: $0
- Non-discretionary Amounts: $0
- Date Calculated: April 9, 2026
Item 5: Fees and Compensation
A. Fee Schedule
Robo-Advisory Portfolio Management Services Fees
SPE charges a flat subscription fee of $9.99 per month or $89.99 per year. The final fee schedule will be memorialized in the client’s advisory agreement. Clients may terminate the agreement without penalty for a full refund of SPE’s fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract immediately upon written notice.
B. Payment of Fees
Payment of Robo-Advisory Portfolio Management Fees
Robo-Advisory portfolio management fees are automatically deducted from the client’s linked payment method, processed via Apple, Google Pay, or Stripe In-App Purchase. Fees are charged monthly in advance.
C. Client Responsibility for Third Party Fees
Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged by SPE. Please see Item 12 of this brochure regarding broker-dealer/custodian.
D. Prepayment of Fees
SPE collects fees in advance by charging the client’s linked payment method. Clients may choose a monthly or annual subscription fee option. Refunds for fees paid in advance but not yet earned will be refunded on a prorated basis and returned within fourteen days to the client via check, or return deposit back into the client’s account.
Fixed fees that are collected in advance will be refunded based on the prorated balance of the fees collected in advance minus the number of days elapsed in the billing period up to and including the day of termination.
E. Outside Compensation for the Sale of Securities to Clients
Neither SPE nor its supervised persons accept any compensation for the sale of securities or other investment products, including asset-based sales charges or service fees from the sale of mutual funds.
F. Additional Fees and Expenses
Clients invested in exchange-traded funds (“ETFs”) incur the fund’s internal expenses — such as management and operating costs — which are deducted at the fund level and reflected in the ETF’s share price. These costs are separate from our advisory fee, and we do not receive any portion of them.
G. Other Compensation
In addition to the advisory fees described above, the Adviser receives compensation in the form of a portion of the interest earned on certain clients’ uninvested cash balances held in their brokerage accounts.
Under this arrangement, the broker pays interest on eligible cash balances at a stated rate. This compensation is paid by the broker and is not separately billed to the client. However, the receipt of this compensation reduces the amount of interest that the client would otherwise receive and results in the Adviser receiving compensation in addition to its advisory fees.
Because the Adviser earns additional compensation when clients maintain cash balances in their brokerage accounts, this arrangement creates a financial incentive for the Adviser to recommend that clients maintain cash balances or use the brokerage platform that offers this program, rather than seeking alternative arrangements that may pay a higher interest rate to the client.
SPE seeks to manage this conflict by disclosing the existence of this arrangement and by making brokerage recommendations based on the client’s overall best interest.
Item 6: Performance-Based Fees and Side-By-Side Management
SPE does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client.
Item 7: Types of Clients
SPE generally provides advisory services to individuals. There is no account minimum for any of SPE’s services.
Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss
A. Methods of Analysis and Investment Strategies
Methods of Analysis
SPE uses automated, rules-based algorithms that analyze user transaction data and typically map eligible spending to publicly traded companies. Recommendations are generated automatically using spending patterns and suitability data.
SPE’s methods of analysis include Modern Portfolio Theory and Quantitative Analysis.
Modern Portfolio Theory is a theory of investment that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, each by carefully choosing the proportions of various assets.
Quantitative Analysis deals with measurable factors, such as the value of assets, the cost of capital, historical projections of sales, as distinguished from qualitative considerations such as the character of management or the state of employee morale.
Investment Strategies
SPE uses a long-term trading strategy.
Investing in securities involves a risk of loss that you, as a client, should be prepared to bear.
B. Material Risks Involved
Methods of Analysis
Modern Portfolio Theory assumes that investors are risk averse, meaning that given two portfolios that offer the same expected return, investors will prefer the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher expected returns must accept more risk. The exact trade-off will be the same for all investors, but different investors will evaluate the trade-off differently based on individual risk aversion characteristics. The implication is that a rational investor will not invest in a portfolio if a second portfolio exists with a more favorable risk-expected return profile — i.e., if for that level of risk an alternative portfolio exists which has better expected returns.
Quantitative Analysis investment strategies using quantitative models may perform differently than expected as a result of, among other things, the factors used in the models, the weight placed on each factor, changes from the factors’ historical trends, and technical issues in the construction and implementation of the models.
Investment Strategies
Long-term trading is designed to capture market rates of both return and risk. Due to its nature, the long-term investment strategy can expose clients to various types of risk that will typically surface at various intervals during the time the client owns the investments. These risks include but are not limited to inflation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk.
Robo-advisory services use algorithms as the basis of the management process. Risks of this approach include, but are not limited to, that the algorithm might rebalance client accounts without regard to market conditions, that the accounts may be automatically rebalanced on a more frequent basis or a less frequent basis than the client might expect, and that the algorithm may not address prolonged changes in market conditions. Additionally, clients should be aware that responses to the adviser’s suitability questionnaire are typically the sole basis for the portfolio’s allocation.
Investing in securities involves a risk of loss that you, as a client, should be prepared to bear.
C. Risks of Specific Securities Utilized
Clients should be aware that there is a material risk of loss using any investment strategy. The investment types listed below are not guaranteed or insured by the FDIC or any other government agency.
Equity investments generally refer to buying shares of stocks in return for receiving a future payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions, and the general economic environment.
Exchange Traded Funds (ETFs): An ETF is an investment fund traded on stock exchanges, similar to stocks. Investing in ETFs carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Areas of concern include the lack of transparency in products and increasing complexity, conflicts of interest, and the possibility of inadequate regulatory compliance. Risks in investing in ETFs include trading risks, liquidity and shutdown risks, risks associated with a change in authorized participants and non-participation of authorized participants, risks that trading price differs from indicative net asset value (iNAV), or price fluctuation and disassociation from the index being tracked.
With regard to trading risks, regular trading adds cost to your portfolio thus counteracting the low fees that are one of the typical benefits of ETFs. Additionally, regular trading to beneficially “time the market” is difficult to achieve. Even paid fund managers struggle to do this every year, with the majority failing to beat the relevant indexes.
With regard to liquidity and shutdown risks, not all ETFs have the same level of liquidity. Since ETFs are at least as liquid as their underlying assets, trading conditions are more accurately reflected in implied liquidity rather than the average daily volume of the ETF itself. Implied liquidity is a measure of what can potentially be traded in ETFs based on its underlying assets.
ETFs are subject to market volatility and the risks of their underlying securities, which may include the risks associated with investing in smaller companies, foreign securities, commodities, and fixed income investments (as applicable). Foreign securities in particular are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets. ETFs that target a small universe of securities, such as a specific region or market sector, are generally subject to greater market volatility, as well as to the specific risks associated with that sector, region, or other focus. ETFs that use derivatives, leverage, or complex investment strategies are subject to additional risks. The return of an index ETF is usually different from that of the index it tracks because of fees, expenses, and tracking error. An ETF may trade at a premium or discount to its net asset value (NAV) (or indicative value in the case of exchange-traded notes). The degree of liquidity can vary significantly from one ETF to another and losses may be magnified if no liquid market exists for the ETF’s shares when attempting to sell them. Each ETF has a unique risk profile, detailed in its prospectus, offering circular, or similar material, which should be considered carefully when making investment decisions.
Past performance is not indicative of future results. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear.
Item 9: Disciplinary Information
A. Criminal or Civil Actions
There are no criminal or civil actions to report.
B. Administrative Proceedings
There are no administrative proceedings to report.
C. Self-Regulatory Organization (SRO) Proceedings
There are no self-regulatory organization proceedings to report.
Item 10: Other Financial Industry Activities and Affiliations
A. Registration as a Broker/Dealer or Broker/Dealer Representative
Neither SPE nor its representatives are registered as, or have pending applications to become, a broker/dealer or a representative of a broker/dealer.
B. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor
Neither SPE nor its representatives are registered as or have pending applications to become either a Futures Commission Merchant, Commodity Pool Operator, or Commodity Trading Advisor or an associated person of the foregoing entities.
C. Registration Relationships Material to This Advisory Business and Possible Conflicts of Interest
Other than the arrangements described in Item 5 or 12, neither SPE nor its representatives have any material relationships to this advisory business that would present a possible conflict of interest.
D. Selection of Other Advisers or Managers and How This Adviser Is Compensated for Those Selections
SPE does not utilize nor select third-party investment advisers.
Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading
A. Code of Ethics
We strive to comply with applicable laws and regulations governing our practices. Therefore, our Code of Ethics includes guidelines for professional standards of conduct for persons associated with our firm. Our goal is to protect your interests at all times and to demonstrate our commitment to our fiduciary duties of honesty, good faith, and fair dealing with you. All persons associated with our firm are expected to adhere strictly to these guidelines. Persons associated with our firm are also required to report any violations of our Code of Ethics. Additionally, we maintain and enforce written policies reasonably designed to prevent the misuse or dissemination of material, nonpublic information about you or your account holdings by persons associated with our firm.
Clients or prospective clients may obtain a copy of our Code of Ethics by contacting us at the telephone number on the cover page of this brochure.
B. Recommendations Involving Material Financial Interests
SPE does not recommend that clients buy or sell any security in which a related person to SPE or SPE has a material financial interest.
C. Investing Personal Money in the Same Securities as Clients
From time to time, representatives of SPE may buy or sell securities for themselves that they also recommend to clients. This may provide an opportunity for representatives of SPE to buy or sell the same securities before or after recommending the same securities to clients, resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest. SPE will always document any transactions that could be construed as conflicts of interest and will never engage in trading that operates to the client’s disadvantage when similar securities are being bought or sold.
D. Trading Securities At/Around the Same Time as Clients’ Securities
From time to time, representatives of SPE may buy or sell securities for themselves at or around the same time as clients. This may provide an opportunity for representatives of SPE to buy or sell securities before or after recommending securities to clients, resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest; however, SPE will never engage in trading that operates to the client’s disadvantage if representatives of SPE buy or sell securities at or around the same time as clients.
Item 12: Brokerage Practices
A. Factors Used to Select Custodians and/or Broker/Dealers
Custodians/broker-dealers will be recommended based on SPE’s duty to seek “best execution,” which is the obligation to seek execution of securities transactions for a client on the most favorable terms for the client under the circumstances. Clients will not necessarily pay the lowest commission or commission equivalent, and SPE may also consider the market expertise and research access provided by the broker-dealer/custodian, including but not limited to access to written research, oral communication with analysts, admittance to research conferences and other resources provided by the brokers that may aid in SPE’s research efforts. SPE does not charge a premium or commission on transactions, beyond the actual cost imposed by the broker-dealer/custodian.
SPE will require clients to use Alpaca Securities LLC (“Alpaca Securities”).
1. Research and Other Soft-Dollar Benefits
SPE receives no research, product, or services other than execution from broker-dealers or custodians in connection with client securities transactions (“soft dollar benefits”).
2. Brokerage for Client Referrals
SPE receives no referrals from a broker-dealer or third party in exchange for using that broker-dealer or third party.
3. Clients Directing Which Broker/Dealer/Custodian to Use
SPE will require clients to use a specific broker-dealer to execute transactions. Not all advisers require clients to use a particular broker-dealer.
4. Economic Benefits from Brokerage Relationship
SPE has a business relationship with the broker that serves as custodian for client accounts. As part of this relationship, SPE receives a portion of the interest earned on certain clients’ uninvested cash balances held at Alpaca Securities. Client accounts are required to be maintained at Alpaca Securities, and participation in Alpaca Securities’ cash interest program is not separately negotiated on an individual client basis.
Specifically, Alpaca Securities pays interest on eligible cash balances, and SPE receives a portion of that interest as compensation. While clients receive interest on their cash balances, the portion retained by SPE reduces the amount of interest that clients would otherwise earn.
This arrangement presents a conflict of interest because it provides SPE with a financial incentive to recommend the use of Alpaca Securities and to encourage clients to maintain cash balances, rather than investing those assets or selecting another brokerage arrangement that may pay a higher interest rate to the client.
SPE seeks to manage this conflict by disclosing the existence of this arrangement and by making brokerage recommendations based on the client’s overall best interest.
B. Aggregating (Block) Trading for Multiple Client Accounts
SPE does not aggregate or bunch the securities to be purchased or sold for multiple clients. This may result in less favorable prices, particularly for illiquid securities or during volatile market conditions.
Item 13: Review of Accounts
A. Frequency and Nature of Periodic Reviews and Who Makes Those Reviews
Robo-advisory portfolio management accounts are not reviewed by SPE, save for automated allocation revisions. Clients are encouraged to update their account with any change in their objectives, risk tolerance, or other pertinent information, as that information factors into the portfolio’s composition.
B. Factors That Will Trigger a Non-Periodic Review of Client Accounts
Robo-advisory portfolio management accounts do not undergo non-periodic review by SPE, although allocations may change based on material market, economic, or political events and/or changes to the client’s profile in accordance with SPE’s automated portfolio management.
C. Content and Frequency of Regular Reports Provided to Clients
We do not provide you with regular written reports separate from the custodian. You will receive trade confirmations and monthly statements from your account custodian.
Item 14: Client Referrals and Other Compensation
A. Economic Benefits Provided by Third Parties for Advice Rendered to Clients (Includes Sales Awards or Other Prizes)
Except as disclosed in Items 5 and 12 regarding SPE’s receipt of a portion of interest earned on clients’ cash balances held at Alpaca Securities, SPE does not receive any economic benefit, directly or indirectly, from any third party for advice rendered to SPE’s clients.
B. Compensation to Non-Advisory Personnel for Client Referrals
SPE includes endorsements or testimonials in its marketing materials provided by third-party promoters who are not investment adviser representatives or supervised persons of the Adviser. Such endorsers are compensated pursuant to written agreements for promotional services, with compensation provided as a fixed fee and not based on client referrals, assets under management, or investment performance. The Adviser provides required disclosures in connection with any such endorsements or testimonials in accordance with applicable regulatory requirements.
Item 15: Custody
SPE does not have custody of client funds or securities. Fees are charged through a linked payment method, processed via Apple In-App Purchase, and SPE does not have the ability to withdraw funds from any client investment account.
Your funds and securities will be held with a bank, broker-dealer, or other qualified custodian. You will receive account statements from the qualified custodian holding your funds and securities. If you have a question regarding your account statement or if you did not receive a statement from your custodian, contact your custodian directly.
Item 16: Investment Discretion
SPE provides discretionary investment advisory services to clients. The client must sign an advisory contract to allow SPE the discretionary authority for trading. Where investment discretion has been granted, SPE generally manages the client’s account and makes investment decisions without consultation with the client as to when the securities are to be bought or sold for the account, the total amount of the securities to be bought/sold, what securities to buy or sell, or the price per share.
Item 17: Voting Client Securities (Proxy Voting)
SPE will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. Clients should direct all proxy questions to the issuer of the security.
Item 18: Financial Information
A. Balance Sheet
SPE neither requires nor solicits prepayment of more than $1,200 in fees per client, six months or more in advance, and therefore is not required to include a balance sheet with this brochure.
B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients
Neither SPE nor its management has any financial condition that is likely to reasonably impair SPE’s ability to meet contractual commitments to clients.
C. Bankruptcy Petitions in Previous Ten Years
SPE has not been the subject of a bankruptcy petition in the last ten years.