Investment Types

At Cardiff Park Advisors, our investment philosophy is built on simplicity, transparency, and evidence-based decision-making. We recommend low-cost, low-turnover, passively managed index mutual funds and exchange-traded funds (ETFs) to construct globally diversified portfolios. These investments are designed to capture market returns efficiently, with minimal trading costs and lower taxable distributions.

We have a long history of working with Dimensional Fund Advisors (Dimensional), whose strategies are grounded in decades of academic research and structured to emphasize broad diversification and reduced trading costs. In addition, we utilize index tracking funds from other leading providers such as Vanguard, Fidelity, and Schwab, as well as select ETFs that complement our core strategies. To further diversify portfolios, we may include publicly traded real estate investment trusts (REITs), precious metals, or commodity-driven funds when appropriate.

Fixed income is a critical part of portfolio design. Depending on a client’s needs and market conditions, we may recommend a mix of bond funds and individual securities. These can include certificates of deposit (CDs), U.S. Treasuries, corporate bonds, municipal bonds, and inflation-protected securities. For clients with substantial fixed income allocations, we often build customized ladders of individual bonds to provide predictable cash flow and manage interest rate risk.

When onboarding a new client, we carefully evaluate all existing investments as part of the planning process. This includes assessing cost basis, tax implications, and the steps needed to transition into a new, more efficient portfolio. Once implemented, portfolios are monitored continuously, with adjustments made as needed to maintain alignment with the client’s objectives and risk profile. Clients receive clear monthly reports and can access their accounts at any time through our secure portal and custodial platforms.

Cash management is another key element of our process. Cash in client accounts is typically swept into bank or money market funds at the custodian — such as Charles Schwab or Fidelity — where assets are held. We work closely with clients to forecast upcoming cash flow needs and to ensure sufficient liquidity for spending, taxes, and other obligations.

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.