Finding a Top Financial Advisor Firm in La Jolla, California
Finding the right financial advisor for you and your family isn’t always easy. If you're looking for an advisor in La Jolla, California, our list of the city's top financial advisor firms can make your search much simpler. Below you’ll find a breakdown of each firm, with information detailing their account minimums, fee schedules, client base and more. SmartAsset’s financial advisor matching tool offers a more tailored approach, as it can pair you with up to three financial advisors in your area based on your personal preferences.
|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Laurel Wealth Advisors, Inc. Find an Advisor||https://d31s10tn3clc14.cloudfront.net/imgs/falc/Review-Logos/laurelWA_logo.png||$100,000|| || |
|2||Callan Capital, LLC Find an Advisor||$825,383,028||No set account minimum ($15,000 minimum fee)|| || |
Minimum AssetsNo set account minimum ($15,000 minimum fee)
|3||WorthPointe Find an Advisor||$494,010,190|| |
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|4||Alphacore Capital Find an Advisor||$284,630,813||No set account minimum|| || |
Minimum AssetsNo set account minimum
|5||Financial Alternatives, Inc. Find an Advisor||$204,780,845||No set account minimum|| || |
Minimum AssetsNo set account minimum
|6||Sage Stone Wealth Management LLC Find an Advisor||$127,549,820||$250,000|| || |
|7||Hamilton and Associates Find an Advisor||$91,500,000||Depends on services|| || |
Minimum AssetsDepends on services
How We Found the Top Financial Advisor Firms in La Jolla, California
SmartAsset limited its list to firms registered with the U.S. Securities and Exchange Commission (SEC) in La Jolla, California. We only considered SEC-registered companies because such companies have a fiduciary duty to act in their clients’ best interests. Next, we removed any firms that have disclosures, lack financial planning services or do not manage individual accounts. The top firms to meet these criteria are listed here, ordered by assets under management (AUM).
Laurel Wealth Advisors, Inc.
The top advisor in La Jolla is Laurel Wealth Advisors, a firm managing more than $1.1 billion in assets for clients, most of whom are regular individual investors, though the firm does do business with high-net-worth investors. Institutional clients include pension and profit sharing plans, charitable organizations and corporations.
There are 37 advisors on staff at Laurel, the most of any firm on this list. Unlike some firms, Laurel does not provide a list of staff with financial certifications earned.
The minimum account size at the advisory is $100,000. Fees for investment management are based on a percentage of assets under management. Financial planning services are offered for fixed or hourly rates. Some advisors at the firm may earn commissions for the sale of securities, which is a conflict of interest. When acting as an advisor, though, they must put the client’s needs first.
Laurel Wealth Advisors Background
Laurel was founded in 2011. The principal owners are Lee A. Tripoldi, who serves as the president, and Mark D. Welsh, the managing director.
The firm’s services include investment strategy, personal investment policy, asset allocation, asset selection, portfolio monitoring and financial planning.
Laurel Wealth Advisors Investment Strategy
Advisors at Laurel use charting, cyclical, fundamental and technical analysis to come up with investment decisions for clients. Strategies include long-term trades, short-term trades, margin transactions and options writing.
Possible investments include stocks, bonds, mutual funds and exchange-traded funds (ETFs).
Callan Capital, LLC
Callan Capital is an advisor managing more than $825 million. There are four advisors on staff at Callan, including two certified financial planners (CFPs), two certified private wealth advisors (CPWAs) and one certified investment management analyst (CIMA).
Individual clients at Callan are about 75% high-net-worth. Institutional clients include pension and profit sharing plans, charitable organizations and corporations.
There is no set account minimum at Callan, but there is a $15,000 minimum annual fee. Fees for asset management are based on a percentage of assets under management, while financial planning fees are fixed. Advisors at the firm earn commissions for selling insurance products. This is a conflict of interest, but when acting as an advisor the firm must act in the best interest of the client.
Callan Capital Background
Callan was founded in 2007. Trevor Callan owns 60% of the firm, while Tim Callan owns 26% and Ryan Callan owns 14%. The firm has a second office in Texas.
The firm’s services include asset management, financial planning, tax analysis, cash flow analysis, philanthropic planning, budgeting, retirement planning and estate planning.
Callan Capital Investment Strategy
Callan advisors have five model portfolios it uses for investing client’s money. It matches each client with a model after analyzing their objectives, risk tolerance and time horizon.
Strategies used may include long-term purchases, short-term purchases, margin transactions and options writing.
WorthPointe is a fee-only firm managing more than $451 million for clients, of which around 75% are non-high-net worth individuals, though there are high-net-worth investors on the rolls. Institutional clients are pension and profit sharing plans, charitable organizations and state or municipal government entities.
There are 11 advisors on staff at WorthPointe -- including nine certified financial planners (CFPs), one chartered financial consultant (ChFC), one accredited investment fiduciary (AIF), one certified kingdom advisor (CKA) and one chartered market technician (CMT).
The minimum account size at WorthPointe is $500,000. Fees for wealth management are based on a percentage of assets under management. Financial consulting services are either charged hourly or at an agreed-upon fixed rate. WorthPointe advisors do not earn commissions for selling securities. However, their SEC filing do note that the principal owner of WorthPointe does have a small stake in National Advisors Trust Company, which WorthPointe does recommend as a custodian at times. This creates a conflict of interest because he could be paid dividends on that stock.
WorthPointe does not list a year of founding. It is principally owned by Christopher P. Van Slyke and Anthony Ferreira. There are additional offices in Newport Beach, California; Austin and Dallas, Texas and Jackson, Wyoming.
Services offered by the firm include financial planning, consulting, retirement planning, estate planning, financial reporting, insurance needs analysis, charitable giving and wealth management.
WorthPointe Investment Strategy
Advisors at WorthPointe use both long-term and short-term purchase as part of their strategy, plus derivatives. Of all the money the firm manages, 93% of it is invested in mutual funds and exchange-traded funds (ETFs). The rest is in stocks and cash or cash equivalents.
AlphaCore Capital is a fee-based firm managing more than $248 million. There are seven advisors at the firm including two chartered financial advisors (CFAs), one certified financial planner (CFP), one chartered financial consultant (ChFC), one chartered life underwriter (CLU), one certified investment management analyst (CIMA), one chartered alternative investment analyst (CAIA) and one investment advisor certified compliance professional (IACCP).
Clients of the firm are mostly regular individuals, with some high-net-worth individuals as well. Institutional clients include investment companies, charitable organizations and corporations.
Fees for asset management are charged based on a percentage of assets under management. Financial planning services are also included in that fee. One advisor at the firm is also an insurance agent and may earn commissions for selling insurance products to clients. This is a conflict of interest, but when acting as an advisor all employees must act in the best interest of the client.
AlphaCore Capital, LLC Background
The firm was founded in 2016, making it the newest firm on this list. It is owned by Rickard “Dick” Pfister, who also serves as the CEO, president and managing member.
The firm’s services include asset management, financial planning, retirement planning, education planning, tax planning, insurance analysis and investment consulting.
Alphacore Capital, LLC Background
AlphaCore creates investment portfolios for each client based on objectives, risk tolerance and the individual situation of each client. Long-term investments are the preferred strategy, especially alternative investments.
Securities invested in include stocks, bonds, hard assets and derivatives.
Financial Alternatives, Inc.
Financial Alternatives is a fee-only firm with three advisors on staff. The whole team includes four certified financial planners (CFPs) and one chartered financial advisor (CFA).
The firm manages more than $204 million. Clients are nearly evenly split between high-net-worth individuals and other individual clients. The only institutional client is a charitable organization.
Fees at Financial Alternatives are based on a percentage of assets under management for investment advice and are billed hourly for financial planning. No advisors at the firm earn commissions for the sale of any financial product.
Financial Alternatives Inc. Background
Financial Alternatives was founded in 1991 and became a corporation in 2001. The principal owners are James A. Freeman, who serves as chief compliance officer and president, and Christopher E. Jaccard, who is the chief operating officer.
The firm’s services include investment advice, financial planning, consulting and asset valuation.
Financial Alternatives Inc. Investment Strategy
Fundamental analysis is the basis of the firm’s decision making. Strategies include:
- Long-term purchases
- Short-term purchases
- Short sales
- Margin transactions
Sage Stone Wealth Management LLC
Sage Stone Wealth Management is a shop with just two advisors managing more than $127 million in assets. The company’s website does not provide any certifications for the advisors.
Clients of Sage Stone include a nearly even split of regular individual investors and high-net-worth investors. There are also institutional clients including pension and profit sharing plans, charitable organizations and corporations.
This is a fee-only firm. Portfolio management fees are based on a percentage of assets under management while fees for consultation are paid on an hourly rate. The minimum investment size is $250,000.
Sage Stone Wealth Management Background
Sage Stone was founded in 2010. Mary Naber King owns 100% of the company and serves as president and chief compliance officer.
The firm’s services include comprehensive portfolio management, investment planning, retirement planning, estate planning, charitable gift planning, education planning, insurance analysis and real estate analysis.
Sage Stone Wealth Management Investment Strategy
There are a few set strategies Sage Stone advisors use for clients. One is the “inflation hedged strategy” that uses various securities, including natural resources and precious metals, to protect against inflation. Another is the dividend strategy which looks to create income. Finally, advisors can put together ethical portfolios for clients that reflect the moral/social value each client holds.
Hamilton and Associates
Hamilton and Associates is a fee-based firm managing more than $91 million. Clients of the firm are mostly individuals, with more non-high-net worth individuals than high-net-worth. Institutional clients include pension and profit sharing plans and charitable organizations.
There are two advisors at Hamilton, both of whom are certified financial planners (CFPs). The minimum account size varies based on the program. There is no minimum for asset management, and the highest minimum is $250,000 for the Personal Wealth Portfolios program.
Fees for asset management are based on a percentage of assets under management. Financial planning fees are generally fixed but may also be billed hourly. Some members of the firm are also registered with a broker/dealer and may earn commissions for selling securities. This is a conflict of interest, but advisors must act in a client’s best interest when in their financial advisor role.
Hamilton and Associates Background
Hamilton and Associates was originally founded as a tax and wealth management firm in 1986 and became an investment advisor in 2011. In 2015, they added asset management to their services. Keith Hamilton is the sole owner of the firm.
The services offered by the firm include asset management, asset allocation, investment policy, model wealth portfolios, retirement planning, insurance needs and estate planning.
Hamilton and Associates Investment Strategies
The exact strategy used by advisors at Hamilton depends on which program you use. The model wealth portfolios program, for instance, invests in mutual funds.
Overall, 85% of the firm’s assets are invested in mutual funds. The remaining is mostly in stocks, with a small percentage in cash or cash equivalents.