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Welcome to Cardiff Park Advisors


Cardiff Park Advisors is an independent, fee-only, full service investment advisor registered with and regulated by the Securities and Exchange Commission (SEC). We create customized stock and bond investment portfolios that are passively managed, broadly diversified, goal based and tax aware. Our portfolios are individually designed to meet client needs for low fixed fees.

As of March 2017 we manage over $1.4 billion in assets for diverse clients across the country. Our clientele includes individuals, trusts, endowments, retirement plan sponsors and business entities. Our advice is unbiased, data driven and well researched. Our process is transparent and efficient.

We charge low fixed fees and do not take a percentage of assets under management. We do not accept commissions on the sale of investment products, nor do we generate fees through add-on services. Fixed retainers are our sole source of compensation.

Cardiff Park is among a select group of advisors qualified to provide access to Dimensional Fund Advisors (DFA), a leader in passive investment research and fund offerings (Read why DFA is our preferred fund partner). We also recommend Vanguard funds and selected Exchange Traded Funds as well as CDs, Treasuries, and corporate and municipal bonds for laddered maturity fixed-income requirements.

Cardiff Park does not accept custody of client funds or securities. Securities are held by brokerage firms that carry SIPC and other private insurance, including TDAmeritrade, Schwab, Fidelity, Pershing and Jefferson.

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Latest from the Cardiff Park Blog

  • Swing Time
    Plus Q1 2018 Market Report

    John Gorlow | Apr 17, 2018

    After a remarkable climb in 2017, the market turned volatile in the first quarter of the new year. The swings were dramatic, including a drop in the Dow of 1,175 points on February 5. The U.S. stock market suffered one of the swiftest 10% slumps in history, and global equities lost $4.2 trillion that week. In terms of dollars, that’s more than the total losses suffered by the Nasdaq when the dotcom bubble burst. What’s next? Nervous investors are looking for signs and signals. Of particular interest will be Q1 profits. Other areas of concern include slower growth in China, tightening monetary policy, trade wars, a spike in wage growth and interest rate hikes. But despite a mountain of forecasting data, the market is unpredictable. A proven investment strategy is still your best defense. More about that after a look at Q1 numbers.

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Smarter Strategy


Financial markets historically reward investors for the capital they supply. But these rewards do not come from trying to beat the market. Rather they come from identifying the risks that are likely to be rewarded long-term, and choosing how much of these risks to take. Nobel prize-winning financial and economic research proves that this is a strategy that works. Yet many investors instead decide which stocks to own based on forecasts, hunches, or tips. Too often these predictions prove faulty and costly.

Keep the Lion’s Share


It does not pay to actively chase returns, as tempting as that may be. And this is true no matter what your age or circumstances, whether you're retired or approaching retirement, considering how to invest an inheritance, or looking for ways to invest cashed-out company stock or entrepreneurial investment gains. You have probably read the stories and laments of those who have tried and failed to beat the market. And you've likely heard stories of those who have struck it rich, too. But remember the adage that there is no such thing as a free lunch. Our smarter strategy combined with our low fixed annual retainer let you keep the lion's share of what the market delivers over time.

Our Commitment to You


At Cardiff Park, we put clients first. We tailor our solutions to meet your unique requirements. We interview you to gather the data to formulate your optimal investment strategy. We implement what we mutually conclude to be the ideal plan for you. We continually evaluate the adequacy of our plans based on your evolving needs and market realities. We select investments in accordance with the fiduciary standard, based on the principles of due care, loyalty and utmost good faith to our clients at all times. Clients trust us with their financial goals, a responsibility we take very seriously.

Getting Started


Getting started is easy. We are here to assist you. We are committed to staying with you every step of the way. First, we encourage all prospective clients to use our website to learn more about passive and index investing. You will enjoy our blog, and numerous references to the body of work that serves as the foundation for all that we provide our clients with. Next, we are happy to provide you with an initial complimentary consultation by phone. To schedule, please complete the contact form below and we will contact you promptly.