A RECORD OF ACHIEVEMENT

We capture expected return with a long-term, buy-and-hold approach built on globally diversified mixes of low-cost, low-turnover ETFs, mutual funds, or separately managed accounts. We don’t rely on forecasting, timing, or stock picking. Our process is rooted in academic research and decades of data, providing a framework for disciplined, evidence-based investing. Learn more: Passive Investing

Traditional percentage-based fees rise as your assets grow, often with little relation to the actual services provided. At Cardiff Park, we offer a fixed annual retainer, transparent and predictable. Most new client engagements fall between $8,000 and $14,000 annually, billed quarterly in arrears. You’ll always know exactly what you are paying. Learn more: Advisor Fees

As a fiduciary, we are legally and ethically obligated to put your interests first. We do not accept commissions or 12b-1 fees (mutual fund marketing and distribution charges). Our advice is independent and conflict-free, designed to help you avoid costly mistakes and stay focused on your long-term goals. Learn more: Ethical Standards

Your financial life extends beyond your investment portfolio. We provide guidance on retirement planning and income strategies, trust and estate management, philanthropic giving strategies, stock option and RSU valuation, business transitions and liquidity planning, and coordinating with your CPA, attorney, and other professionals. This comprehensive approach ensures all aspects of your financial life are integrated and well-managed. Learn more: Our Services

Our clients include high-net-worth families building multi-generational wealth, entrepreneurs and business owners with concentrated stock positions, retirees and near-retirees transitioning from workplace plans, trustees and fiduciaries overseeing trusts and charitable accounts, and nonprofits and endowments seeking sustainable governance and funding. No two clients are the same, but we help solve the core challenges they face: building diversified portfolios, managing risk, and making clear, informed decisions. Read more about how we can help you: Client Profiles

Getting started is simple. At Cardiff Park, we are here to guide you and remain committed to supporting you at every step of the process. We encourage prospective clients to explore our website to learn more about passive and index investing. Our blog and educational resources provide valuable insights into the research and principles that guide our services and advice. When you’re ready to take the next step, we offer a complimentary introductory consultation by phone. Please complete the contact form below, and we will reach out promptly to schedule a conversation, understand your needs, and explain our process.