Finding the Top Financial Advisors in Carlsbad, CA
To help you find a financial advisor in Carlsbad, California, we created a list of the top financial advisor firms in the area. It’s based on extensive research of documents filed with the Securities Exchange Commission (SEC), along with firms’ 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 six financial advisor firms in Carlsbad, California. Then use SmartAsset’s free financial advisor matching tool to personalize your search.
How We Found the Top Financial Advisors in Carlsbad, CA
The SmartAsset team began by compiling a list of all SEC-registered advisors in Carlsbad. Next, we removed the firms that faced disciplinary action in the past 10 years. We also filtered out those that did not offer financial planning or individual portfolio management services as at least half their business. Finally, we ranked the firms based on assets under management (AUM), starting with the biggest.
Axxcess Wealth Management, LLC
Axxcess Wealth Management is a financial advisory firm with more than $777.7 million in assets under management (AUM). Its advisors specialize in portfolio management, real estate, private equity and investment advisory services. They can also provide guidance on such financial topics as retirement savings, estate planning, trust fund management, investing and more.
The firm works with a diverse client base which includes individuals, high-net-worth-individuals, accredited investors, 401(k) plan sponsors and other financial services professionals. With no minimum investment requirement, most individual clients fall outside the scope of high net worth.
Axxcess Wealth Management Background
Axxcess Wealth Management first opened its doors in 2012. Founder and owner Michael Seid leads the advisory team with more than 20 years of financial services experience behind him.
The firm may collect fees in several ways. For portfolio management services, it charges fees as a percentage of your assets under management. For financial planning services, the fee is fixed or on an hourly rate. Some if its advisors in their individual capacities as brokers or insurance agents may also receive commissions from non-affiliated third parties for selling their products.
Axxcess Wealth Management Investing Strategy
Axxcess Wealth Management provides investors with asset management guidance aided by a variety of digital tools and platforms. It believes in diversifying client assets, not trying to time the market, keeping fees to a minimum, customizing portfolios to clients and communicating regularly.
In constructing portfolios, the firm primarily applies fundamental and technical methods of analyses. It also uses long-term investing strategies. The firm primarily invests assets in no-load mutual funds, stocks, separately managed accounts, collective investment trusts, exchange-traded funds (ETFs), bonds, notes, municipal securities, structured products, closed-end funds, hedge funds, real estate investment trusts (REITs), private equity funds, warrants, corporate debt securities, commercial paper, certificates of deposit (CDs), investment company securities, U.S. government securities, options contracts, futures contracts and interests in partnerships.
Intelligence Driven Advisors
Intelligence Driven Advisors (IDA) is based in Carlsbad, with branches in other states including Texas and Arizona. It currently oversees more than $536.3 million in assets.
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.
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.
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 or other forms of payment from affiliated and non-affiliated 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. The firm’s advisors boast several financial certifications.
Advisors at the firm has a range of certifications, listed below by the number of advisors who hold each accreditation (some members may hold multiple certifications):
- Certified financial planner (CFP): 5
- Accredited investment fiduciary (AIF): 3
- Certified investment management analyst (CIMA): 3
- Global fiduciary strategist (GFA): 6
- Certified 401(k) professional: 5
- Chartered retirement plan specialist (CRPS): 1
- Certified divorce financial analyst (CDFA): 1
- Certified investment management consultant (CIMC): 1
Intelligence Driven Investing Strategy
Based on your risk tolerance and other personal factors, IDA may recommend one of the following model portfolios:
- Moderately conservative
- Moderately 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 is a financial advisory firm with nearly $237.4 million in assets under management (AUM). It serves roughly the same number of individuals as high-net-worth individuals (100 to 110) - as well as their related trusts, estates and retirement plans. The firm also extends its services to 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.
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 Background
Financial Focus first opened its doors to the Carlsbad community in 2015. Its partners Barbara Williams, Gloria Foote and Kaitlin Hewell own the firm and continue to provide advice to its clients. The staff at Financial Focus collectively features three certified financial planners (CFPs), two accredited investment fiduciary (AIF) and accredited domestic partnership advisor (ADPA).
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.
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.
Seaside Wealth Management, Inc
Seaside Wealth Management (SSWM) offers asset management and financial planning advice to various client types including individuals, high-net-worth individuals, trusts, estates, charities and businesses. The team oversees more than $154.1 million in assets under management. Most of the client base is made up of non-high-networth individuals.
SSWM can guide clients through several points of their financial life from budgeting and saving to retirement planning and estate transfer. Its advisors 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 Background
SSWM formed in 2011 and registered with the SEC as an investment advisor in 2015. President Bradley Lineberger remains the sole owner. He leads a team of four certified financial planners (CFPs) and one chartered financial analyst (CFA).
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.
Seaside Wealth Management Investing Strategy
SSWM’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 various securities including the following:
- Exchange-traded funds (ETFs)
- Mutual funds
- Municipal bonds
- Corporate bonds
- Individual stocks
Carlsbad Wealth Advisory Group
Carlsbad Wealth Advisory Group (CWAG) has more than $149.1 billion in assets under management (AUM). It serves individuals, high-net-worth individuals and business entities. The firm can advise on your retirement plans, trusts, estates, 529 plans and more.
For investment management services, you need an account minimum of $500,000. CWAG also offers personalized financial planning services based on your needs. Its advisors specialize in the following:
- Executive benefits
- Charitable giving
- Estate planning
- Tax planning
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.
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 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.
Anchor Bay Capital, Inc.
Anchor Bay Capital is a financial services firm with about $92.5 million in assets under management. It 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. The team’s 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 Background
Originally formed as Anchor Bay Capital Management, LLC, Anchor Bay Capital has been in business since 2001 (it shortened its name and switched to a corporation in 2006). Scott Spiering founded the firm and remains its sole principal.
The team features one certified financial planner (CFP), one chartered financial consultant (ChFC), one retirement income certified professional (RICP) and one chartered financial analyst (CFA).
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 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.