Our Low Fixed Fees

Cardiff Park’s pricing model reflects our belief that investment management should be transparent, reasonable, and aligned with client interests. Unlike most advisors, we do not charge fees based on a percentage of assets under management. Instead, we charge a fixed annual retainer that reflects the actual work involved in serving each client relationship.

This approach eliminates the automatic fee increases that come when markets rise or portfolios grow. It also removes conflicts of interest, such as incentives to recommend certain products, fund families, or custodians in exchange for hidden compensation. At Cardiff Park, our fixed fee is our only source of revenue. We do not accept commissions, performance-based fees, or 12b-1 fees. Every recommendation we make is based solely on what we believe is best for you.

Most new client relationships fall between $8,000 and $14,000 annually, billed quarterly in arrears. This range covers the core services required to design, implement, and maintain a comprehensive investment strategy. For highly complex or multi-generational relationships, fees may be higher. Long-standing clients may continue at legacy rates as a gesture of goodwill.

We believe this fixed-fee model is the fairest and most transparent way to work together. It ensures that as your portfolio grows, your fees remain predictable and tied to the actual time and expertise required to serve you — not to market fluctuations or portfolio size.

What Our Services Include

Our core advisory service covers every step of the investment process, from planning to ongoing management and reporting. At the outset, we conduct a thorough intake process to understand your complete financial picture. This includes reviewing your existing accounts, tax situation, time horizon, risk tolerance, personal preferences, and life circumstances. By fully understanding your needs, we can design a strategy tailored to your goals.

Portfolio design begins with asset allocation, which determines the right mix of equities and fixed income to meet your objectives. We consider all of your accounts — IRAs, 401(k)s, 403(b)s, 529 plans, trusts, and taxable portfolios — to ensure a coordinated strategy. This includes positioning assets for tax efficiency by placing investments with higher expected taxable distributions in tax-advantaged accounts and lower-taxed investments in taxable accounts.

Rebalancing is ongoing and deliberate. As markets move, we monitor your portfolio and make adjustments to keep allocations aligned with your plan. This process helps control risk and manage taxable events, using strategies such as tax-loss harvesting where appropriate.

Clients have full transparency into their portfolios at all times. Holdings are visible through both our Cardiff Park client portal and your custodian’s online access. We deliver monthly reports electronically and encourage regular dialogue through phone calls and email. Annual reviews are recommended, with a more thorough reevaluation every three to five years or after any significant life changes.

Our expertise is focused on financial planning and investment management. For specialized needs such as estate planning, tax strategy, real estate, insurance, or legal matters, we coordinate closely with independent professionals. When requested, we work directly with these advisors to ensure a cohesive approach. Services outside the core scope of portfolio management may involve additional fees.

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.