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Top Financial Advisors in Carlsbad, CA

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Finding the Top Financial Advisors in Carlsbad, CA

To help you find a financial advisor in Carlsbad, California, we created this list of the top financial advisor firms in the area. It’s based on firms' filings with the Securities Exchange Commission (SEC), along with their websites. Fee structures, services offered, advisor certifications - we collected it all together, here, for convenient comparing and contrasting. Start your search with this list of the top seven financial advisor firms in Carlsbad, California. Then use SmartAsset’s free financial advisor matching tool to expand your search.

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Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Intelligence Driven Advisers, LLC Intelligence Driven Advisers, LLC logo Find an Advisor

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$762,256,175 $2,500 minimum annual fee
  • Financial planning
  • Portfolio management
  • Pension consulting services
  • Educational seminars/workshops

Minimum Assets

$2,500 minimum annual fee

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting services
  • Educational seminars/workshops
2 Financial Focus Financial Focus logo Find an Advisor

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$400,330,748 No set account minimum
  • Financial planning
  • Portfolio management
  • Pension consulting services

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting services
3 Anchor Bay Capital, Inc. Anchor Bay Capital, Inc. logo Find an Advisor

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$153,500,000 $1,000,000
  • Financial planning
  • Portfolio management 
  • Pension consulting services

Minimum Assets

$1,000,000

Financial Services

  • Financial planning
  • Portfolio management 
  • Pension consulting services
4 Carlsbad Wealth Advisory Group, Inc. Carlsbad Wealth Advisory Group, Inc. logo Find an Advisor

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$196,824,814 No set account minimum
  • Financial planning
  • Portfolio management

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
5 Seaside Wealth Management, Inc. Seaside Wealth Management, Inc. logo Find an Advisor

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$192,421,124 No set account minimum
  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers) 

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers) 
6 Seaside Financial & Insurance Services Seaside Financial & Insurance Services logo Find an Advisor

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$129,385,622 No set account minimum
  • Finanical planning
  • Portfoliio management
  • Pension consulting services
  • Educational seminars/workshops

Minimum Assets

No set account minimum

Financial Services

  • Finanical planning
  • Portfoliio management
  • Pension consulting services
  • Educational seminars/workshops

What We Use in Our Methodology

To find the top financial advisors in Carlsbad, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria:

  • AUM
    Firms with more total assets under management are ranked higher.
  • Individual Client Count
    Firms who serve more individual clients (as opposed to institutional clients) are ranked higher.
  • Clients Per Advisor
    Firms with a lower ratio of clients per financial advisor are ranked higher.
  • Age of Firm
    Firms that have been in business longer are ranked higher.
  • Fee Structure
    Firms with a fee-only (as opposed to fee-based) compensation structure are ranked higher.

All information is accurate as of the writing of this article. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria.

Intelligence Driven Advisers, LLC

Intelligence Driven Advisers, LLC

Intelligence Driven Advisers (IDA), LLC is based in Carlsbad, with branches in other states including Texas and Arizona.

The firm provides financial planning, investment advisory and consulting services to several types of clients. These include individuals, qualified and non-qualified pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and other business entities. With no account size minimum, most of its individual client base falls outside the category of high net worth. There is a minimum annual fee, though, of $2,500 for investment management services.

Advisors boast the following financial certifications (some may hold multiple credentials): 

  • Certified financial planner (CFP): 4
  • Accredited investment fiduciary (AIF): 1
  • Certified investment management analyst (CIMA): 2
  • Global fiduciary strategist (GFS): 4
  • Certified 401(k) professional: 3
  • Chartered retirement plan specialist (CRPS): 1 
  • Certified investment management consultant (CIMC): 1

For investment management services, the firm’s fee is based on a percentage of the client’s assets under management. For financial planning services, IDA collects a fixed fee. Advisors may receive commissions from third parties for selling their products. 

Intelligence Driven Advisors Background 

IDA began operations in 2018. It’s owned by Labrum Wealth Management, LLC, which is principally owned by company founder and president Jason R. Labrum.

In addition to portfolio management services, the firm specializes in estate planning, tax strategies and trust management. Of course, it will tailor a plan to your needs and can address other areas such as budgeting, savings and retirement planning.

Intelligence Driven Investing Strategy

Based on your risk tolerance and other personal factors, IDA may recommend one of the following model portfolios

  • Conservative
  • Moderately conservative
  • Moderate
  • Moderately aggressive
  • Aggressive  

The firm may adjust asset allocations in these models based on changing factors like market conditions. In addition, IDA may create customized portfolios for clients based on their individual preferences, investment goals and other factors. These portfolios may invest in a variety of securities including: 

  • Mutual funds
  • Exchange-traded funds (ETFs)
  • Individual securities such as stocks and bonds
  • Private funds

Financial Focus

Financial Focus

Financial Focus is a financial advisory firm where the majority of individual clients do not have high net worths. The firm also serves trusts, estates, retirement plans and business entities. 

You don’t need a minimum investment to receive financial planning services from Financial Focus. For asset management services through the AssetMark Platform, however, the firm requires minimum investments ranging from $25,000 to $500,000. 

For investment advisory services, the firm charges a percentage based on client AUM. For financial planning and consulting, the fees are fixed or based on an hourly rate. Representatives of the firm may also be members of non-affiliated third parties who earn commissions or other compensation for selling the products of these firms.
 
The team includes four ceritified financial planners (CFPs), one certified divorce financial analyst (CDFA) and an accredited domestic partnership advisor (ADPA).

Financial Focus Background 

Financial Focus first opened its doors to the Carlsbad community in 2015. Its founders Barbara Williams, Gloria Foote and Kaitlin Hewell own the firm and work as advisors.

Financial Focus staff advisors have expertise in the following: 

  • Individual financial plans
  • Investment selection and advice
  • Risk management strategies
  • Retirement planning
  • Estate maximization and succession planning
  • Pension and profit-sharing plan advice

In addition, the firm offers access to various financial planning digital tools such as Social Security benefits calculators.

Financial Focus Investing Strategy

The firm’s AssetMark platform utilizes mutual funds, exchange-traded funds (ETFs), as well as privately managed and unified managed accounts. Its wrap-fee program may involve these securities as well as individual stocks and bonds. In either case, your investment portfolio would be based on an asset allocation the firm deems appropriate based on your risk tolerance, investment goals and other factors. 

In selecting securities, the firm also turns to informational resources such as market data and economic projections.

Anchor Bay Capital, Inc.

Anchor Bay Capital, Inc.

Anchor Bay Capital is a financial services firm which serves mostly individuals and high-net-worth individuals, 401(k) plans, trusts and estates. It also provides services to business entities. 

To establish a relationship with the firm, Anchor Bay generally requires a minimum account size of $1 million. It may, however, waive the minimum at its discretion. 

The team features one certified financial planner (CFP), one chartered financial consultant (ChFC), one certified divorce financial analyst (CDFA) and one chartered financial analyst (CFA). (Advisors may have more than one certification.)

The firm collects fees for its investment management and financial planning and consulting services. These fees are based on a percentage of client assets when put under the firm’s management and are fixed or based on an hourly rate when the services are for financial planning or consulting. Advisors who are members of other firms may also earn commissions from these third parties for selling their products.

Anchor Bay Capital Background 

Originally formed as Spiering Investment Management, LLC in 1992, the firm became Anchor Bay Capital Management, LLC in 2001 and then Anchor Bay Capital in 2006. Scott Spiering founded the firm and remains its sole principal.

Advisors can create a personal financial plan based on your needs, addressing such areas as:  

  • Cash-flow management
  • Retirement planning
  • Estate planning
  • Business and family succession planning

Anchor Bay Capital Investing Strategy 

The firm focuses on strategic asset allocation, aiming for strong returns while hedging against market risk. To design client portfolios, it takes into account such individual factors as risk appetite, time horizon and investment goals. When selecting securities, the firm analyzes underlying factors such as company financials. The firm constructs portfolios utilizing mutual funds, exchange-traded funds (ETFs), individuals securities such as stocks and bonds, as it deems appropriate.

Carlsbad Wealth Advisory Group

Carlsbad Wealth Advisory Group, Inc.

Carlsbad Wealth Advisory Group (CWAG)  serves individuals, high-net-worth individuals and business entities. The fee-only firm has no minimum account size requirement. 

The firm collects its compensation on a fee-only basis. This means it collects fees solely for the services it provides to its clients. CWAG doesn’t earn commissions or other sources of compensation from third-party firms for selling or referring their products or services.

Carlsbad Wealth Advisory Group Background 

Co-founders David George and Andy Sontag opened CWAG in 2008, following a combined run of more than 20 years on the brokerage side of the financial services business. Both are certified financial planners (CFPs) and still run the advisory team.

CWAG offers investment management and personalized financial planning services. Its advisors specialize in the following: 

  • Retirement 
  • Executive benefits 
  • Charitable giving
  • Estate planning
  • Tax planning

Carlsbad Wealth Advisory Group Investing Strategy

CWAG emphasizes strategic asset allocation and passive investing. It will create an asset allocation based on your individual circumstances, time horizon and appetite for risk. In sticking with passive investing strategies, the firm generally focuses on a buy-and-hold strategy to capture long-term gains and steer away from the risks of market timing. The firm tends to avoid active investing strategies such as selling securities when it believes the market is going through a peak and buying when it projects it is at a low point. 

To diversify your portfolio, it may invest your assets in exchange-traded funds (ETFs), mutual funds and individual securities if deemed appropriate.

Seaside Wealth Management, Inc.

Seaside Wealth Management, Inc.

Seaside Wealth Management (SWM), Inc. offers asset management and financial planning advice to individuals, high-net-worth individuals, trusts, estates, charities and businesses.  Non-high-net-worth individuals outnumber high-net-worth ones.

The firm collects financial planning fees on an hourly or flat-fee basis. It charges an asset-based fee for portfolio management services. However, certain members of the firm may be registered with third-party companies and receive commissions for selling their investment products. The are three certified financial planners (CFPs) at the firm.
 

Seaside Wealth Management Background

SWM formed in 2011 and registered with the SEC as an investment advisor in 2015. President Bradley Lineberger remains the sole owner.

SWM can advise clients on their financial life covering budgeting, saving, retirement planning and estate transfer. Its team can help you invest in your child’s education through 529 college savings plans and other vehicles. They can also help you manage your finances during or following a divorce.

Seaside Wealth Management Investing Strategy

SWM’s investment strategies are mainly driven by Modern Portfolio Theory, which holds that capturing strong returns while mitigating risk can be achieved through diversification of investments. The firm builds an asset allocation that reflects unique factors such as client risk tolerance, time horizon and investing goals. In its investment selection process, the firm’s methodology includes market research provided by leading firms such as Vanguard, Blackrock and Dimensional Fund Advisors. 

Based on the data it gathers from you, SSWM may construct your portfolio with: 

Seaside Financial & Insurance Services

Seaside Financial & Insurance Services

Last but not least, Seaside Financial & Insurance Services joins the list this year with more than $113 million in assets under management. The advisor team works mostly with non-high-net-worth clients. It also serves pension plans, businesses, charitable organizations, trusts and estates. There is no set account minimum here.

The firm offers investment management on a discretionary or non-discretionary basis. The annual fee for this service is based on assets under management, ranging from 1% to 0.70%. Seaside Financial also financial planning and consulting at an hourly rate of $65 to $400 or for a fixed fee.

Advisors may also be registered representatives with broker-dealer Fortune Financial Services. Some are also licensed insurance agents. In this non-advisor roles, they collect transaction-based fees, which can potentially create conflicts of interest. That said, the SEC-registered firm is legally bound always to put clients' interests first.

Seaside Financial & Insurance Services Background

In 2006, Shawn Orser bought Seaside Financial, which was founded in 1997. The original founder, Anne-Marie Maxe, is still with the firm. Prior to taking over the firm, Orser worked at Merrill Lynch, Titan Capital, Remsemberg Capital and Northwestern Mutual.

Seaside Financial & Insurance Services Investing Strategy

Seaside Financial uses long-term trading, short-term trading and margin transactions. When assessing securities, it primarily looks at fundamental factors. Its main sources of financial information include, but are not limited to, financial publications, Morningstar, TD Ameritrade, Charles Schwab, magazines, research materials prepared by others, corporate rating services, annual reports and corporate press releases.

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research