Top Financial Advisors in La Jolla, CA

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AlphaCore Capital, LLC is a fee-based firm that boasts a number of advisory certifications.Clients of the firm are mostly non-high-net-worth individuals, with some high-net-worth individuals as well. The firm also works with some investment companies, charitable organizations and corporations. The minimum investment is $1 million.

Fees for asset management are charged based on a percentage of assets under management. Financial planning services are also included in that fee. Some of the advisors at this firm are also insurance agents, so they may earn commissions for selling insurance products to clients. This is a potential conflict of interest, but when acting as an advisor, the firm must abide by its fiduciary duty.

The firm’s services include asset management, financial planning, retirement planning, education planning, tax planning, insurance analysis and investment consulting.

AlphaCore Capital 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 the firm invests in include stocks, bonds, hard assets and derivatives.

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Callan Capital is a financial advisor firm in northern La Jolla. Individual clients at Callan a majroity high-net-worth. Institutional clients include pension and profit sharing plans, charitable organizations and corporations. There is no set account minimum at Callan Capital, 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. The firm’s services include asset management, financial planning, tax analysis, cash flow analysis, philanthropic planning, budgeting, retirement planning and estate planning.

Callan Capital has five model portfolios it uses to invest clients' money. It matches each client with a model after analyzing their financial objectives, risk tolerance and time horizon. Each of these model portfolios utilize different types of securities in accordance with the portfolio's intended risk level. Strategies used by the firm may include long-term purchases, short-term purchases, margin transactions and options writing.

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Coastedge Partners is a fee-only firm which works with high-net-worth individuals, There are some institutional clients on the rolls as well, including pooled investment vehicles and corporations. There is no formal account minimum for advisory services, but the fact that only high-net-worth clients use Coastedge implies advisors might prefer to work with bigger account balances.

Fees for asset management are based on a percentage of assets under management. Advisors do not earn commissions. Services include investment management and financial planning.

Bonds make up the majority of investments at Coastedge, especially U.S. state and local bonds. Stocks are also used, as are mutual funds, pooled investment vehicles and cash holdings.

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Financial Alternatives is a fee-only firm. That means that the firm's only source of compensation is client-paid fees, as opposed to a combination of client-paid fees and third-party commissions. The firm’s services include investment advice, financial planning, consulting and asset valuation.

Fees at Financial Alternatives are based on a percentage of assets under management for investment advice and are billed hourly for financial planning. There is no set account minimum. 

Fundamental analysis is the basis of the firm’s decision making. This method of analysis attempts to take current and past price data and use it to forecast future price movements for a given security. Investment strategies include long-term purchases, short-term purchases, trading, short sales, options and more.

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Castle Coast is an SEC-registered adviser that works with retail investors—individuals and families, including high-net-worth households. The firm offers ongoing asset management and financial planning.

Asset-management fees are tiered and billed monthly in arrears on the time-weighted daily average account value: 1.00% up to $3 million; 0.90% $3 - $5 million; 0.80% $5 - $10 million; 0.70% $10 - $15 million; 0.60% $15 - $20 million; 0.40% $20 - $50 million; and 0.30% over $50 million. Financial planning is a flat fee ranging from $2,000 to $50,000.

Portfolios are built from client “Investment Guidelines” (goals, resources, risk tolerance) and managed on a discretionary basis with ongoing oversight. Coast recommends Charles Schwab as custodian and discloses related conflicts.

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Canter Wealth is a fee-only firm. This means that the only way the firm makes money is through client-paid advisory fees. The firm mostly works with high-net-worth individuals, though it also maintains relationships with non-high-net-worth individuals and charities.

The main service that Canter Wealth provides its clients is investment management. The firm has a selection of asset allocation models that it uses for this service. Financial planning services available through the firm include cash flow projections, business planning, estate planning, retirement planning, Social Security and pension planning, tax strategies and more.

According to its Form ADV, "Canter Wealth’s investment strategy involves the use of factor-based investment vehicles, with the goal of designing low cost, tax-efficient, globally diversified portfolios." This diversification is important, as it can help to ensure that your returns are reliable and less affected to downturns in specific markets.

For the most part, Canter Wealth tends to invest in exchange-traded funds (ETFs), mutual funds and fixed-income securities, such as bonds. 

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Syrios works with retail investors such as individuals, families and high-net-worth households. Core offerings include investment management (via a wrap program), wealth management, and stand-alone financial planning and consulting. Planning engagements can cover goals, balance-sheet review, tax planning, risk management, retirement and cash-flow needs.

For investment and wealth management, Syrios charges asset-based fees billed quarterly in advance; as with any AUM model, the firm notes an incentive to encourage clients to increase assets. Financial planning/consulting is offered for a flat fee based on estimated hours (retainers may be taken, with the balance due at completion).

Portfolios are built around your goals, risk tolerance, and time horizon, typically documented in an Investment Policy Statement, with regular performance monitoring and adjustments as needed. The toolkit includes index-based custom portfolio models, plus the option to use outside specialist managers where appropriate. 

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Nautilus Advisors is an SEC-registered RIA working with retail investors (individuals and families). Core offerings include Comprehensive Portfolio Management and Financial Planning & Consulting. Planning is included at no extra charge for portfolio-management clients, and can also be engaged as a stand-alone, flat-fee service (held-away assets aren’t monitored in the stand-alone arrangement).

Comprehensive Portfolio Management fees follow a tiered schedule ranging from 0.90% to 1.50% annually, assessed on assets under management and debited quarterly (the firm notes fees are negotiable and may be invoiced in rare cases). Stand-alone planning is flat-fee up to $10,000.

The firm builds a tailored portfolio after a discovery process, then monitors at least quarterly and rebalances when necessary. Clients can choose discretionary management (the adviser trades within agreed parameters) or non-discretionary advice (you approve each trade).

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Hamilton and Associates is a fee-based firm that has a client base mostly comprised of individuals, with more non-high-net worth individuals than high-net-worth. Institutional clients include pension and profit sharing plans and charitable organizations. The minimum account size varies based on the program. There is no minimum for standard asset management, but some other programs have minimums up to $250,000.

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 causes a potential conflict of interest, but advisors must act in a clients' best interests due to their fiduciary duty.

The services offered by the firm include asset management, asset allocation, investment policy, model wealth portfolios, retirement planning, insurance needs and estate planning. 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. Indeed, most of the firm’s assets under management are invested in mutual funds, with the remainder invested mostly in stocks and a small percentage in cash or cash equivalents.

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Carter Financial, LLC works excluisvely with individual clients. More than half of them have a high net worth, with the rest coming in below the high-net-worth threshold. To become a client of this fee-only firm, you'll need at least $500,000 in investable assets, though this requirement can be waived. Written financial plans have a $1,500 minimum fee.

Regardless of what kind of financial planning services you're looking for, Carter Financial likely has what you need. The firm's offerings range from education fund planning to retirement planning to tax planning and beyond. It also has the ability to build personalized investment portfolios for clients.

The basis for each portfolio that Carter Financial, LLC builds is a customized asset allocation. Before any plans are made, the firm will do a deep dive into what kind of investor you are. This involves looking into your risk tolerance, time horizon, income needs, liquidity needs, financial goals and more.

Based on the above information, the firm will create a diversified portfolio for you that features predetermined percentages of different types of securities. The firm tends to invest in securities like stocks, bonds, exchange-traded funds (ETFs), options and mutual funds.