We Serve People Like You

Serving high-net-worth investors since 2006. Cardiff Park Advisors has long partnered with clients who value disciplined investing, clear  communication, and timely responses. Our work spans portfolio management, estate and trust coordination, charitable giving strategies, and balance-sheet solutions such as banking and lending access through custodial relationships. Our team members bring specialized experience and the right credentials to support complex needs with care and precision.

Client stories, generalized for compliance. There’s value in real-world examples. Because the SEC limits endorsements on advisory websites, the profiles below are representative composites rather than testimonials. If you’d like to speak with a current client, we can provide a reference.

The Do-It-Yourselfer

You. You’ve managed your investments successfully for years and understand index funds and passive investing. You’re ready to bring in a professional, but only if the relationship is transparent, the process is disciplined, and the pricing is sensible. After surveying a wide range of fee models, you want an approach that doesn’t charge a percentage of assets.

Us. We make the transition straightforward. You work closely with a senior advisor who helps document goals, risk tolerance, and risk capacity; consolidates and retitles accounts as needed; updates beneficiaries and trust registrations; and sets a rebalancing and tax-management framework. We coordinate liquidity for spending needs, handle tax-loss harvesting when appropriate, and provide clear, periodic reporting so you always understand what you own and why you own it. Fees are a fixed annual retainer—predictable and transparent.

The Near-Retirement Investor

You. Retirement is approaching—or just started. Most of your wealth sits in company plans or concentrated stock, and now you need an income plan to replace a paycheck. You’re learning quickly, but the choices are complex: how to diversify, how to sequence withdrawals, when to claim Social Security, and how to balance income today with long-term purchasing power.

Us. We build a retirement income framework tailored to your situation. That includes a plan for diversifying concentrated positions tax-aware, coordinating RMDs and other withdrawals, and evaluating Social Security timing within the context of your broader plan. Portfolios are structured to support liquidity and spending needs while remaining invested for growth, with attention to taxes, sequence-of-returns risk, and disciplined rebalancing through different market conditions.

The Wealthy Investor

You. Equity compensation, a family trust, a successful exit—or simply years of diligent saving—have created substantial wealth. You understand diversification and market realities and want professional oversight without a percentage-of-assets fee. You may also need credit facilities for short-term liquidity without disrupting your portfolio.

Us. We review your total balance sheet and design a policy-driven allocation. For concentrations, we map a diversification plan that weighs risk, taxes, and timing. Where useful, we can arrange pledged-asset lines through custodians for bridge financing, evaluate hedging tools on a case-by-case basis, and pair any realized gains with a thoughtful plan for tax payments and reinvestment. Throughout, we keep the structure simple, the reporting clear, and the decisions grounded in evidence.

The Nonprofit Organization

You. As a board member or investment committee lead, you’re responsible for supporting a spending target while preserving the endowment’s long-term value. You prefer low costs, transparency, and a policy-driven process over marketing promises and opaque products.

Us. We help craft or refine the investment policy statement, align allocation with mission and risk, and implement a low-cost, broadly diversified portfolio with clear rebalancing rules. We model spending policies, inflation scenarios, and asset-mix trade-offs so the committee can see how choices affect the endowment over time. Governance, documentation, and reporting are designed to be durable and easy to follow.

The “Time to Push Restart” Investor

You. You suspect your current arrangement isn’t working: fees feel opaque, products seem complex, and service doesn’t feel personal. You want to understand your holdings, your costs, and your path forward.

Us. We handle the transition with care. Accounts can be moved in-kind where appropriate; we organize cost basis, evaluate tax implications, and create a stepwise plan to reach your target allocation.
We establish a written investment policy, educate on risk and required return, and set clear expectations for reporting and communication. The goal is a simpler, more transparent structure with a fixed annual retainer and advice aligned to your interests.

The “Escape from the Wirehouse” Investor

You. The big-firm experience started with polish and promises—specialists everywhere, complex strategies, lots of “value-adds.” Over time, statements multiplied, fees blurred, and K-1s stacked up.
You’re ready to disentangle, simplify, and regain clarity. 

Us. We’ve guided many clients through this shift. We inventory and categorize each position, plan the unwind with tax awareness, and simplify the structure to a transparent, evidence-based portfolio.
Assets move to established custodians in your name; reporting becomes understandable; and the focus returns to discipline, costs, risk, and goals. The process takes diligence, but the destination—clarity and control—is worth it.

Learn More About Us

Cardiff Park Advisors is based in Carlsbad, California, about 25 miles north of San Diego, with an additional office in San Marcos. We work with clients across the United States and internationally.

When you’re ready to take the next step, we offer a complimentary consultation. Please complete the Connect Form below — in the footer — and we’ll follow up to schedule a conversation.

To learn more, visit www.cardiffpark.com, review our Form ADV Brochure on the SEC’s website (ADV Part 2A), email us at jgorlow@cardiffpark.com, or call 760-635-7526.