Financial District

About

California Financial Advisors is a fiduciary investment advisory firm that specializes in retirement planning and investment supervisory services. California Financial Advisors, CFA, values a long-term investment approach while catering to the unique needs of all its clients. Since the inception of the firm in 1998, CFA has been able to grow to over $1.5B in assets under management as of 6/2021. As a fiduciary firm, CFA conducts all business practices solely in each client’s best interest. CFA has been able to grow and succeed while maintaining relationships that go beyond the quantitative data. While providing an enjoyable client experience, CFA has honorably been ranked in the top 10 advisory firms in the US on the CNBC Financial Advisor (FA) 100 for 2019 & 2020.

 

Why Choose CFA?

CFA has over 150 years of combined successful experience. We are aware that our success comes from our clients’ success and that we cannot succeed without solid, trusted relationships – relationships that last from one generation to the next. To do what we do it takes experience, hard work, and impeccable focus to help our clients succeed.

 

The Importance of Financial Planning

Financial planning is important at every stage in your life, regardless of your age. Planning for retirement can be overwhelming, at CFA we are here to help.

 

Retired

Congratulations! You have worked hard and earned your time for leisure. Now, let us make sure your family’s future is as financially secure as you are by reviewing your estate changes and beneficiary decisions.


Consider including your children in your discussions with us so they are informed and prepared to handle your material assets. An useful tool we recommend is using The Everything Binder.

Proud Grandparents
A business meeting

FAQ

 

What Services Does CFA Offer?

Ongoing and in-depth financial planning

Portfolio management services, including:

  • Fund selection and performance assessments

  • Quarterly performance reports

  • Monitoring of Required Minimum Distributions (RMDs)

  • Use of independent custodians to house all accounts

What Does the Process Look Like?

  1. Complimentary introduction meeting

  2. Financial data collection & discussion of financial goals

  3. Financial plan presentation

  4. Educational investment talk

  5. Defensive barrier analysis & portfolio recommendations

  6. Ongoing financial planning services & portfolio rebalancing

How Much Access Do I Have to My Advisor & Their Team?

We will proactively contact you to meet semi-annually to discuss your portfolio and update your plan, or more often, at no extra charge. Always available by phone or email if you have any questions or concerns. Our office is open 8am to 5pm Monday-Friday and your advisor’s assistant is available if your advisor is in a meeting.

Who Will Be My Custodian?

CFA uses Charles Schwab & Fidelity Investments as custodians for our clients’ accounts. Due to our longstanding relationships, CFA has dedicated service teams and direct advisor lines at both custodians.

How Much Discretion Does CFA Have With My Accounts?

When you sign our Investment Supervisory Agreement, you are given the choice on the level of discretion you grant CFA. These discretionary options may be modified at any time to ensure that you are always the one in control of your money.

How Do You Choose Which Investments to Recommend?

CFA’s Golden Rule: We will never recommend an investment that we would not invest in ourselves.

Our Investment Committee conducts a rigorous evaluation of securities for our

approved fund list on a quarterly basis. We place emphasis on highly liquid, no-load mutual funds that have the potential to grow in value at a reasonably low cost. Our process for choosing investments is unique for each client. CFA does not believe in using a boiler plate portfolio strategy with any of our clients. We develop each investment strategy based upon the client’s needs and goals. We then propose an asset allocation that we deem appropriate to reach those goals.

What Are CFA’s Fees?

Our fees are charged quarterly based upon an individual’s total assets under management (AUM). The more assets we manage, the lower percentage our fees become on the ENTIRE amount of AUM. Here is our Annualized fee schedule:

  • $100,000 - $299,999                          1.2%

  • $300,000 - $749,999                          1.0%

  • $750,000 - $1,499,999                       0.8%

  • $1,500,000 - $2,999,999                    0.7%

  • $3,000,000 - $5,999,999                    0.6%

  • $6,000,000 - $9,999,999                    0.5%

  • $10,000,000 +                                     0.4%

Our fees do NOT follow a “tax bracket” rule. Once your portfolio crosses one of the above thresholds, everything back to dollar one is billed at the new lower rate.