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Top Financial Advisors in Seal Beach, CA

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Finding a Top Financial Advisor Firm in Seal Beach, California

Seal Beach, California offers an array of financial advisor firms, but selecting the most suitable one is crucial to your short- and long-term financial success. We’ve formed a list of the top firms in Seal Beach to help you with your search. Our ranking analyzes each firm’s assets under management (AUM), advisory services, investment philosophy, minimum account size requirements and more. SmartAsset’s free financial advisor matching tool can also help you with your search.

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Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Regal Wealth Group, Inc. Regal Wealth Group, Inc. logo Find an Advisor

Read Review

$233,615,485 $1,000,000
  • Portfolio management
  • Financial planning
  • General advice

Minimum Assets

$1,000,000

Financial Services

  • Portfolio management
  • Financial planning
  • General advice
2 Erman Retirement Advisory Erman Retirement Advisory logo Find an Advisor

Read Review

$210,521,000 No set account minimum
  • Financial planning
  • Portfolio management

 

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management

 

What We Use in Our Methodology

To find the top financial advisors in Seal Beach, 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.

Regal Wealth Group

Regal Wealth Group tops our list of the top financial advisor firms in Seal Beach. The firm has multiple on-staff advisors managing the assets of hundreds of individual and institutional clients. Regal Wealth’s client base includes non-high-net-worth individuals, high-net-worth individuals, endowments and pension and profit sharing plans. 

The fee-only firm charges asset-based fees, hourly charges and fixed fees for its advisory services. Regal Wealth has a $1 million minimum for new clients, though it may be willing to accept clients with less than that.

Regal Wealth Group Background

Regal Wealth Group is owned by the Beeler Family Trust, which is, in turn, owned by William M. Beeler and Jacqueline A. Bailey-Beeler. William Beeler and Gary P. Klein founded Regal Wealth in 2005.

The firm specializes in investment advisory, retirement planning, IRA distribution strategies, financial planning and consulting services. 

Regal Wealth Group Investment Strategy

Regal Wealth Group uses long- and short-term purchases and trading as its primary investment strategies. Driven by research, discipline, innovation and conviction, Regal says it relies on independent quantitative, qualitative and fundamental research, according to its website. The firm tailors its investment strategies to the needs of its clients.

Erman Retirement Advisory

Erman Retirement Advisory is a fee-based firm. Its client base includes individuals, families, trusts and estates. The firm’s fee-based fee structure allows it to earn commission-based compensation from the sale of investment or insurance products, which is a potential conflict of interest. However, it is legally obligated to honor a fiduciary duty to work in each client’s best interest. 

Erman’s team includes certifications such as enrolled agent (EA), certified financial planner (CFP) and certified retirement counselor (CRC). When it comes to compensation, Erman mainly charges clients asset-based fees, hourly charges and commissions. The firm doesn’t have a minimum account size requirement. 

Erman Retirement Advisory Background

Established in 2000 by Howard Erman, Erman Retirement Advisory provides a variety of advisory services, including: financial planning, Tactical Asset Management Services (TAMS) and “financial snapshot” services. The firm also provides concierge and special projects services.

Erman Retirement Advisory Investment Strategy

Erman Retirement Advisory mainly relies upon tactical asset allocation and modern portfolio theory when making investment decisions. The firm adheres to a long-term investing approach and ensures that portfolios are globally diversified to control the risk associated with traditional markets, according to its website. 

In offering investment advice, Erman utilizes passively-managed index and ETFs, actively-managed funds, dividend paying stocks and individual municipal bonds.

How Long $1 Million 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 weighed potential expenditures for a prospective retiree with a  $1 million nest egg to assess how many years that fund would cover in retirement in America’s largest cities.

We 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 metro areas across the U.S.

We assumed the $1 million would grow at a net annual return of 2% after inflation. 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.