Finding the Top Financial Advisor Firms in Orange, CA
Researching financial advisors in Orange, California, isn’t for the faint of heart. You’ll need to navigate government agency databases, read the fine print and cut through the marketing lingo on websites. To help you, we did the initial heavy lift and narrowed the field to the top financial advisor firms in Orange. You can also use our SmartAsset financial advisor matching tool. It connects you with up to three local advisors.
|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Guardian Financial Partners, LLC Find an Advisor||$682,515,000||No set account minimum|| || |
Minimum AssetsNo set account minimum
|2||Bonnie Wusz & Associates, Inc. Find an Advisor||$499,161,780||None|| || |
|3||Secura Financial LLC Find an Advisor||$188,001,355||$250,000|| || |
|4||TABR Capital Management, LLC Find an Advisor||$165,744,978||$500,000|| || |
How We Found the Top Financial Advisor Firms in Orange, CA
To find the top financial advisors in Orange, California, we first identified all firms registered with the SEC in the state. 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:
Guardian Financial Partners, LLC
Guardian Financial Partners has a team that includes two certified financial planners (CFPs) and one chartered institute of management accountants (CIMA). It has a relationship with Freedom Partners, which adds one chartered financial analyst (CFA) and one retirement income certified professional (RICP) to the team.
With no minimum account requirement, the firm’s client base consists of both non-high-net-worth and high-net-worth individuals. The firm also serves trusts, estates, charitable organizations and corporations.
This is a fee-only firm, so advisors do not earn commissions from third-parties.
Guardian Financial Partners Background
Guardian Financial Partners formed in 2017. The firm is wholly owned by its founders and managing partners Casey Bartels, Patrick Guinet and Hung Nguyen.
The firm offers asset management and investment consulting services. It also provides stand-alone financial planning and consulting for:
- Investment planning
- Retirement saving strategies
- Estate planning
- Charitable giving
- Education saving in 529 plans and more
- Corporate and personal tax planning
- Cost segregation study
- Corporate Structure
- Real Estate Analysis
- Mortgage/Debt Analysis
- Insurance Analysis
- Lines of Credit Evaluation
- Business and Personal Financial Planning
In addition, the firm can provide consulting services to plan sponsors of corporate retirement plans governed under the Employee Retirement Income Security Act (ERISA). These services may encompass development plan investment policy statements and selecting fund options for plan participants.
Guardian Financial Partners Investment Strategy
Guardian Financial Partners seeks to build diversified portfolios that are appropriate to the risk tolerance and goals of their clients. Depending on the client profile, the firm may recommend investments including stocks, bonds and pooled vehicles like mutual funds.
When evaluating asset classes, the firm engages in different methods of analysis, including:
- Charting - predicting market trends by examining charts of past market movements
- Cyclical - analyzing events that may occur at relatively predictable intervals in order to forecast future events
- Fundamental - gauging company stock valuation or projecting the firm’s future performance by analyzing present and past data sources such as the company's financial records and the overall economic conditions of its industry sector.
Bonnie Wusz & Associates, Inc.
At Bonnie Wusz & Associates, Inc. (BWA), advisors are registered brokers and licensed insurance agents, and founder Bonnie Wusz is a certified financial planner (CFP). This is a fee-based firm, meaning some advisors may earn commissions from third-parties like insurance companies. This is a potential conflict of interest, but as fiduciaries advisors must act in the best interest of the client.
The firm doesn’t have a set account minimum required to establish an advisory relationship. As a result, clients who do not have a high net worth outnumber those who do.
Bonnie Wusz & Associates Background
BWA began operations in 1989. It’s primarily owned by Bonnie Wusz through the Wusz Family Trust. Wusz serves as the president and chief financial officer.
The firm provides portfolio management advice. It also offers guidance on such issues as required minimum distributions (RMDs) from your individual retirement account (IRA), lump-sum withdrawals and tax-advantaged investment opportunities intended for heirs. Additionally, BWA provides financial planning that covers:
- Budgeting and cash-flow analysis
- Tax planning
- Insurance policy review and evaluation
- Retirement planning
- Estate planning
Bonnie Wusz & Associates Investment Strategy
The firm focuses on long-term investing, generally steering clear of short-term equity techniques like market timing. When building portfolios, BWA places less emphasis on securities selection and more on building the right asset allocation based on the client’s risk tolerance and investment objectives. The idea is that diversification minimizes risk while maximizing return.
Secura Financial LLC
Secura Financial LLC - also known as Barth Financial Advisors - has a team that includes six certified financial planners (CFPs), two chartered financial consultants (ChFCs), one chartered life underwriters (CLU), one certified public accountant (CPA), one certified senior advisor (CSA), one accredited asset management specialist (AAMS) and one certified exit planner (CExP). Most members of the team are also brokers and insurance agents. This means they can earn commissions, which is a potential conflict of interest. That said, advisors must act in the best interest of the client.
The client base of the fee-based firm is roughly split between clients who do and don’t have a high net worth. Barth Financial also works with pension and profit-sharing plans, banks, thrift institutions, trusts, estates, charitable organizations and other business entities. To become a client, you generally need a minimum investment of $250,000.
Barth Financial Advisors Background
Harry M. Barth launched the firm in 1997. In addition to Barth Financial, he manages and co-owns law firm BarthCalderon LLP.
The firm offers discretionary asset management services and investment advice either through its wrap fee program or not. It also provides financial planning. In fact, financial planning makes up about half of the advice it provides. Advisors may cover:
- Determination of financial objectives
- Identification of financial problems
- Cash flow management
- Tax planning
- Insurance review
- Investment management
- Education funding
- Retirement planning
- Estate planning
In addition, the firm may work with outside independent advisor representatives (IARs) associated with other firms in order to deliver holistic financial planning services.
Barth Financial Advisors Investing Strategy
Investment strategies applied to client assets depend on the advisor or IAR the client works with, as well as individual factors like risk tolerance and unique investment goals. These variables would determine the asset allocation of the client’s portfolio.
When determining this investment mix and evaluating securities, advisors may engage in the techniques like fundamental analysis and cyclical analysis. Fundamental analysis involves evaluating a stock’s true value by studying factors like the company's financials and overall industry conditions. Cyclical pertains predicting market cycles by closely studying past ones.
TABR Capital Management, LLC
TABR Capital Management, LLC is a fee-only financial advisory firm with a team that features one certified financial planner (CFP) and one chartered market technician (CMT). Most clients are individuals who do not have a high net worth, according to SEC records.
That said, you’d generally need a minimum investment of $500,000 to work with TABR Capital. In addition to non-high-net-worth and high-net-worth individuals, the firm serves pension and profit-sharing plans.
TABR Capital Management Background
Robert Kargenian and Steven Medland founded TABR Capital in 2004. The former, working at Prudential Securities, was actually the latter’s financial advisor. When Medland graduated from Wharton, Kargenian brought him on board at Prudential, and then the two left to start their own firm. The acronym in its name, TABR, stands for technical analysis based risk (management).
TABR Capital provides discretionary and non-discretionary investment advisory services. It also offers financial planning and consulting advice regarding retirement planning, education savings, estate planning, taxes and insurance. Additionally, the firm provides its clients with access to MoneyGuidePro. This is an interactive online financial planning platform.
TABR Capital Management Investment Strategy
TABR Capital generally recommends investing in mutual funds and exchange-traded funds (ETFs). Mutual funds are essentially baskets of securities such as stocks, bonds and money market instruments run by professional money management firms. An ETF tracks a specific market index such as the S&P 500, made up of stocks from large companies in order to capture a similar return. It also trades like a common stock.
The firm may also consider other types of securities such as alternative investments if it believes these instruments can help a client meet financial objectives.