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Cardiff Park Advisors is a fee-only investment advisor specializing in passive and index portfolio management. We help our clients reach their long-term financial objectives with goal-based portfolios, unbiased advice, a fiduciary approach, and a proven investment strategy rooted in Nobel prize-winning research.

Our experienced team offers full-service support to individual investors, families, trusts, endowments and businesses with $1 million or more to invest.

Our company has been registered with and regulated by the Securities and Exchange Commission (SEC) since 2006. As of Q1 2023, assets under management are approximately $2.2 billion.

Our Client Relationship Summary is available here: (ADV 3 - FORM CRS). For additional information on our advisory services, see our Brochure available at References are available by request. Links to a detailed description of our fees and services and articles on a variety of investment topics are available elsewhere on this site.

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 index funds and selected ETFs from Vanguard, Fidelity and Schwab as well as individual maturity fixed income securities including CDs, Treasuries, and Corporate and Municipal bonds for laddered maturity portfolios.

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, and Fidelity.

To learn about our strategy and thinking, please read our informative website (About Us). Learn about our founder and principal, John Gorlow, and why he created Cardiff Park Advisors (How Wall Street Formed Me). To begin a conversation, please complete the contact form below. We’re here to help when you’re ready.

Latest from the Cardiff Park Blog

  • Markets Hint That Change is Coming Plus Q2 Market Report

    John Gorlow | Jul 18, 2024

    It was a great first half of 2024 for stocks. The S&P 500 reached record territory, climbing about 15% from January through June. Investors were cheered by a slowdown in inflation, disappointed that Fed didn’t begin rate cuts, and dazzled by the glittering potential of AI. The AI chipmaker Nvidia rose an astounding 150% in six months, briefly becoming the most valuable company on the planet.

    Read More



Smarter Strategy

Cardiff Park Advisors captures expected return with a long-term, buy-and-hold investment approach built on globally diversified externally managed mixes of low-cost, low-turnover ETFs and mutual funds or separately managed accounts. Rather than rely on forecasting, timing, stock picking or other forms of guesswork, our higher quality, less risky and more reliable approach, is built on the great ideas of finance, tested and proven over time. Our thinking is grounded in economic theory, backed by leading academic research, and supported by a century’s worth of empirical evidence. Learn more: Passive Investing

Low Fixed Fees

Most investors don’t understand how much they pay for investment advice. Many willingly hand over a 1% advisory fee in addition to high indirect fees for products in their portfolios. These fees take a big bite out of returns, adding to the inability of most fund managers to beat their benchmarks. Many people believe this is just the way it is. But you have an alternative. At Cardiff Park, we pair our smarter strategy with fees that are reasonable, fixed, transparent, and never based on assets under management. So you’ll always know exactly how much you’re paying. Or in our case, how little. Learn more: Advisor Fees

Highest Ethical Standards

Cardiff Park is a fiduciary, meaning we’re pledged to serve our clients’ best interests. Our advice is independent, objective, and untarnished by conflicts of interest. We do not accept fees or commissions of any kind on financial products. Instead our aim is to help clients avoid costly mistakes and achieve their goals by following a disciplined, proven strategy. This makes us very different from most investment managers, who are financially motivated to recommend high-fee products that often mask hidden risks. Wall Street brokers want your money. We’ve got your back. Learn more: Ethical Standards

Full Service Support

Your financial life doesn’t happen in a box. That’s why we’re prepared to help with issues beyond investment management. We’ll negotiate private lines of credit, offer advice on buying and selling a business, analyze the best time to retire, manage trusts, and guide tax-aware philanthropic giving. Upon request, we’ll work with other professionals including your CPA, attorney, estate planner, realtor, banker and trustee. Learn more: Our Services

We Serve People Like You

Our clients arrive at our doorstep with widely varying investment knowledge and life experiences. They include stock-rich entrepreneurs, professionals at the peak of their careers or approaching retirement, forward-thinking seniors considering end-of-life giving, philanthropists, trustees, endowments, business owners, nonprofit organizations, pension plans and multi-generational families. We’ve created viable, long-term financial solutions for them all. Read more about how we can help you. Learn more: Client Profiles

Contact Us

Getting started is easy. We are here to assist you, and 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 be educated by our blog, and by numerous references to the body of work that serves as the foundation for our client service and advice. 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.

Trust in the POWER of MARKETS


Growth of $1 USD, Dec. 1926–Dec. 2021


Cardiff Park Advisors
7161 Aviara Drive
Carlsbad, CA 92011
Phone (760) 635-7526
Toll Free (888) 332-2238
Fax (760) 284-5550

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