Specializing in Passive and Index Portfolio Management

WELCOME TO CARDIFF PARK ADVISORS

Cardiff Park Advisors is a fee-only fiduciary investment advisor focused on evidence-based portfolio management. We partner with clients to build long-term, globally diversified portfolios using a disciplined, research-driven process. Our goal is to help you align your wealth with your life goals through transparent advice and straightforward, fixed-fee pricing.

We work with individual investors, families, trusts, endowments, and businesses with $3 million or more to invest. Our team provides full-service support and coordination with your CPA, attorney, estate planner, and other professionals.

Cardiff Park Advisors has been registered with the Securities and Exchange Commission (SEC) since 2006. As of June 2025, we supervise approximately $3.0 billion in client assets.

Our Client Relationship Summary is available here: Form CRS. For additional information on our advisory services, see our Brochure (ADV Part 2A). References are available by request.

Cardiff Park is among a select group of wealth managers qualified to offer direct access to Dimensional Fund Advisors (Dimensional), a leader in passive investment research and fund offerings. These strategies are complemented by index-tracking funds and ETFs from Fidelity, Schwab, and other leading providers.

For clients with larger fixed-income allocations, we may also recommend individual securities — including Treasuries, CDs, corporate bonds, municipal bonds, and inflation-protected securities — to construct customized laddered portfolios.

Cardiff Park does not accept custody of client assets. Securities are held at custodians like Charles Schwab and Fidelity, both SIPC members.

To learn more about our philosophy, please explore our website. To begin a conversation, complete our contact form. We’re here to help when you’re ready.

Latest from the Cardiff Park Blog

A New Year, a Familiar Challenge: Uncertainty

John Gorlow | Jan 23, 2026

As 2025 came to a close, the economic picture looked largely familiar. Unemployment remained low, consumer spending held up, and inflation continued to ease gradually, even if it stayed well above long-term targets. Policy uncertainty never fully faded, but it also failed to disrupt growth in a meaningful way.
Markets reflected that ambiguity. Some investors positioned for a resurgence in inflation, others for a sharper slowdown. Neither scenario fully played out. Instead, markets moved unevenly through the year and still produced solid results. U.S. equities finished 2025 up roughly 17%. Markets outside the U.S. were stronger, with both international and emerging market equities posting gains north of 30%. Fixed income also contributed, with bonds benefiting from higher starting yields and a more stable rate environment.
And then the calendar turned.

Read More

THE CARDIFF PARK DIFFERENCE

Asset-Liability Matched Wealth Management

We believe portfolios should be built around real-world obligations, not abstract benchmarks. By viewing assets and liabilities together, we focus on funding goals, managing risk in context, and supporting sound decisions over time — not simply maximizing returns in isolation. Learn more about our Asset–Liability approach

Disciplined Portfolio Design

We capture expected return with a long-term, low turnover 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

Transparent, Fixed Fees

Our fees are designed to support independence and long-term thinking. Most client relationships are structured around a fixed annual retainer rather than a percentage of assets. This creates transparency, predictability, and alignment—allowing advice to remain focused on planning, structure, and sound decision-making rather than market levels or transaction activity.Learn more: Our Philosophy on Advisor Fees

Highest Ethical Standards

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

Full Service Support

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

We Serve People Like You

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

Contact Us

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.

Trust in the POWER of MARKETS

CAPITAL MARKETS HAVE REWARDED LONG-TERM INVESTORS

Growth of $1 USD, Dec. 1926–Dec. 2021

Cardiff Park Advisors

A RECORD OF ACHIEVEMENT

Financial Times Top 300 RIAs

The CNBC Top 100 RIAs

$3.1 Billion Assets Under Management

Established in