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Best Financial Advisors in Carlsbad

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SmartAdvisor by SmartAsset logo
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SmartAdvisor by SmartAsset

Carlsbad, CA
  • Estate Planning
  • Investment Management
  • Financial Planning
  • Retirement Planning

Business Description

SmartAsset's free, five-minute tool makes it easy to find qualified financial advisors in your area. The exclusive tool uses a quick survey to help SmartAsset's exclusive algorithm match you with up to three advisors based on your specific financial needs. Each advisor is a fiduciary, legally bound to work in your best interest, and rigorously vetted by SmartAsset. You can speak with each for free, sometimes within a matter of minutes, and choose whom you want to work with. Hundreds of thousands of smart investors and retirees have already used SmartAsset's simple, no-cost service to find the right financial advisors for them.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Price: Free consultation

Anchor Bay Capital, Inc. logo
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Anchor Bay Capital, Inc.

5780 Fleet Street, Suite 308, Carlsbad, CA 92008
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  • Certified Financial Planner (CFP)

Business Description

Anchor Bay Capital, Inc. is a financial advisory firm serving clients in Carlsbad. Its financial advisors provide financial planning and investment management, and retirement planning, including 401k and employer-sponsored retirement plans. It offers portfolio consultation and asset allocation. Scott Spiering, the company's founder, has been working in the financial services industry since 1987. He is the author of a book, The Frugal Investor. The firm was featured on news channels such as CNBC, Bloomberg Business, and PBS.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Compak Asset Management logo
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Compak Asset Management

1801 Dove Street, Newport Beach, CA 92660
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  • Certified Financial Planner (CFP)
  • Financial Planning
  • Wealth Management

Business Description

Compak Asset Management is an advisory firm serving Carlsbad residents. Its advisors provide clients with financial planning strategies, such as plans for retirement, income, cash flow, education, and estates. They also assist clients in developing an appropriate risk profile based on their financial goals. Profiles are used to determine asset allocation and investment strategies suitable for clients. Moeez Ansari, the president and chief investment officer has been in the industry for over four decades. He is also a radio personality who provides expert financial analysis.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
E3 Coastal Advisors LLP logo
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E3 Coastal Advisors LLP

5122 Avenida Encinas Suite 120, Carlsbad, CA 92008
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  • Certified Financial Planner (CFP)
  • Retirement Planning
  • Tax Planning

Business Description

E3 Coastal Advisors LLP offers financial advice to individuals and businesses in Carlsbad and nearby areas. It provides personalized guidance regarding personal finance and strategic advice for tax decisions. The firm assists businesses with different solutions, including accounting, payroll, tax, and audit representation. Additionally, it has business advisory services that help with strategic growth planning, restructuring, financial projections, internal control evaluation, and accounting software implementation. E3 Coastal Advisors' financial planner Scott Evans is a California Society of Certified Public Accountants member.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (3)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gregg F. Himfar Financial logo
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Gregg F. Himfar Financial

2131 Palomar Airport Road Suite 214, Carlsbad, CA 92011
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  • Certified Financial Planner (CFP)

Business Description

Serving the Carlsbad community, Gregg F. Himfar Financial is committed to helping clients with their long-term financial goals. It offers a variety of financial planning strategies, such as retirement, estate, college, and profit-sharing plans. It also offers assistance with investments, such as simple and traditional IRAs, brokerage accounts, and government securities. The firm also offers life, health, long-term care, and disability income insurance. The owner of the company, Gregg F. Himfar, has over 20 years of experience in financial planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Guide My Finances logo
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Guide My Finances

1265 Carlsbad Village Dr #201, Carlsbad, CA 92008
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  • Certified Financial Planner (CFP)

Business Description

Guide My Finances handles any wealth and investment management concerns for clients around Carlsbad. By getting to know an investor's goals and needs, its advisors can offer recommendations that are geared towards a customized financial plan. They cover a variety of areas, including personal financial and retirement planning and insurance review and investment allocation. In addition to being a Certified Financial Planner, president Jackie Mazur is also a Certified Divorce Financial Analyst. She has been in the financial field since 2003.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (14)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Intelligence Driven Advisers logo
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Intelligence Driven Advisers

6128 Innovation Way, Carlsbad, CA 92009
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  • Certified Financial Planner (CFP)
  • Retirement Planning

Business Description

Intelligence Driven Advisers is an independent wealth management firm providing tailored financial solutions to high-net-worth individuals in the Carlsbad metro. Its advisers assist customers in identifying their goals and developing comprehensive strategies to achieve those goals. They offer wealth management services covering strategic tax planning, estate planning, and asset protection. They also provide investment management, financial planning, and business retirement planning. CEO Jason Labrum, who has been in the industry since 1998, worked at two major local brokerage firms before opening his firm in 2009.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.0
Responsiveness
Friendliness
––
Helpfulness
Detail
––
Lifetime Financial Advisors logo
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Lifetime Financial Advisors

2210 Encinitas Blvd. Suite C, Encinitas, CA 92024
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  • Certified Financial Planner (CFP)
  • Retirement Planning

Business Description

Lifetime Financial Advisors has been providing comprehensive financial planning services to clients in Carlsbad and the surrounding areas since 1980. Its team works with individuals, families, and business owners and assists them in the process of managing their wealth. The agency offers a variety of services such as investments, retirement, estate, insurance, and multigenerational planning. The president and CEO, Steve Van Houten, is a Certified Financial Planner. He started his career as an investment analyst.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Platt Wealth Management logo
Visit WebsiteWebsite

Platt Wealth Management

3838 Camino del Rio North, Ste 365, San Diego, CA 92108
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  • Certified Financial Planner (CFP)
  • Retirement Planning

Business Description

Since 2018, Platt Wealth Management has been serving clients in Carlsbad and the surrounding areas. Its wealth management services include designing custom financial plans that cover retirement, Social Security, Medicare, and education funding. Its financial advisors also help in building investment portfolios customized to the client's risk, tax situation, and return objective. Founder Jeff Platt holds Certified Financial Planner and Chartered Financial Analyst designations. For several years, he has been named to San Diego Magazine's Best Five Star Wealth Managers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Seaside Wealth Management logo
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Seaside Wealth Management

6154 Innovation Way, Carlsbad, CA 92009
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  • Certified Financial Planner (CFP)

Business Description

Seaside Wealth Management is a team of financial advisors serving individuals and families in Carlsbad. It serves a diverse set of clients with different financial goals, including women, professionals and their families, business owners, and retirees. Its process includes financial plan design, portfolio building, and plan monitoring. The president and founder of Seaside Wealth Management, Brad Lineberger, is a third-generation Californian who is dedicated to educating individuals, families, and small businesses on the importance of financial planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (44)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Terry Wealth Management logo
Visit WebsiteWebsite

Terry Wealth Management

2710 Loker Avenue West, #220, Carlsbad, CA 92010
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  • Certified Financial Planner (CFP)
  • Retirement Planning
  • Insurance Products

Business Description

Terry Wealth Management is a financial advisory firm serving Carlsbad and nearby areas. Its team develops financial plans, which helps clients manage their current taxes, prepare for children's college education, and protect their businesses and employees. The team also help clients plan for retirement through personalized plans that consider clients' goals, investments, and financial inventory. They also provide assistance in the areas of charitable giving and legacy planning. Terry Wealth Management is headed by Shane Terry, who has 25 years of experience. Shane Terry holds a ChFC® designation. Terry Wealth Management use the skills that ChFC® credential holders have an in-depth knowledge in daily to assist their clients in meeting their financial goals.

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Frequently Asked Questions

Introduction

There are many titles for financial professionals, so it's challenging to track what each one means. A financial advisor is probably the term you've heard most often. Financial advisor is a broad term for a professional who helps individuals or companies manage their finances, including investment choices. There are over 100 certifications that financial advisors can obtain.

  • Financial planners, wealth managers, and investment advisors are all financial advisors with different focus areas.
  • A financial planner helps an individual or a company make a plan to achieve long-term financial goals.
  • A wealth manager helps individuals maintain their wealth through various disciplines and services, such as taxes, estate planning, and investment advice.
  • An investment advisor offers investment advice and recommendations to individuals or organizations.
There’s a misconception that you have to be extremely wealthy to use a financial advisor. In reality, they can be beneficial for people from any income level. Keep reading to find answers to the most commonly asked questions about financial advisors, so you know which type can fit your specific needs.

Are financial advisors worth it?

Whether or not a financial advisor is worth it depends on your personal situation. If your finances are fairly straightforward, then you may be better off handling it on your own. But if you have substantial assets or a complex investment portfolio, then hiring someone to handle it for you can be well worth the cost.

What does a financial advisor do?

Financial advisors can have many types of specialties. Generally, a financial advisor advises on or helps to execute a financial plan. Some examples include assisting people with getting out of debt, building out an investment portfolio, and handling taxes.

How much money do I need to work with a financial advisor?

There’s no specific income level you need in order to work with a financial advisor, but there may be a minimum investment amount for certain types of services. Some financial advisors won’t manage your money unless you have $100,000 or more to invest, but this isn’t the case with financial coaches or robo-advisors.

What does a financial coach do?

Financial coaches focus on improving your financial literacy and money management skills. For example, they can help you figure out how to pay down your student loans or decide how much money to put away for retirement. They usually charge by the hour and don’t offer asset management services or investment advice.

When should I use a financial advisor vs. doing it myself?

Smart money management can give you freedom and comfort. Being responsible with your money makes it possible to meet goals and pay for major expenses. A financial advisor is trained and can offer you expertise that would otherwise take years to learn. They know how to save you money and make it go further.

How do I know if my financial advisor is trustworthy?

Because financial advisors aren’t licensed or regulated, it’s up to the client to make that determination for themselves. However, if your advisor is a fiduciary, that means they’re legally bound to act in your best interest. Some types of advisors, including Certified Financial Professionals (CFPs), are held to fiduciary standards.

What\'s the difference between a financial advisor and a financial planner?

The term financial advisor is a broad phrase that encapsulates many specialties, including financial planner. It's similar to how doctor applies to different physicians, while a cardiologist is a specialty doctor. A financial planner helps their client plan to achieve long-term financial goals, such as saving for a house or retirement.

Are financial advisor fees tax deductible?

Until 2018, financial advisor fees were tax deductible as a miscellaneous expense. However, the Tax Cuts and Jobs Act elimited that deduction until at least 2025.

What is a financial consultant?

A financial consultant and a financial advisor are essentially the same. In recent years, financial consultant has become a less popular term, with financial advisor being much more common. Sometimes, the financial professional may opt for the term consultant when offering services to a business rather than an individual.

What is a robo-advisor?

A robo-advisor is essentially an algorithm that manages your investment portfolio for you. Because their services are automated, you’ll pay less than you would for a human advisor — often between 0.25% and 0.50%. They don’t require large initial investments either, making them a popular choice for entry-level investors. However, you won’t get the same level of advice that you would get from a personal financial advisor.

What makes someone a fiduciary?

Fiduciary is a legal term for a person who has a legal or ethical responsibility to act in your best interests. For example, a trustee and a beneficiary. A financial advisor may have a fiduciary obligation to make financial choices that are best for you, even if it means they earn less in commissions or fees.

How often should I meet with my financial advisor?

After your initial meeting, you may only need to check in with your financial advisor on a quarterly or annual basis. Ask them in advance how often you can expect to hear from them, and whether they offer in-person, phone, or virtual meetings.

Should your financial advisor be a fiduciary?

It’s important to understand that only some — not all — financial advisors have a fiduciary obligation to their clients. Always ask your financial advisor if they’re bound by fiduciary duty. If not, it’s possible that they’ll push products or services that earn them the highest commission, not necessarily what’s best for you. Opt for a financial advisor bound by fiduciary duty whenever possible.

Can my financial planner help with taxes?

Financial advisors aren’t necessarily accountants or tax preparers, so don’t expect them to prepare your taxes for you. However, they may be able to provide tax-related advice to help you optimize your returns and deductions. If you need an advisor who can file your taxes, look for one who is also a CPA (Certified Public Accountant).

Do I need a financial advisor?

Ask yourself if a financial advisor can fill a need or solve a problem you can’t easily handle on your own. They can be helpful in a wide variety of ways, such as building budgets or financial plans, finding ways to save money on taxes, creating an investment portfolio, or offering investment advice.

How do financial advisors get paid?

Clients pay to work with a financial advisor whether it’s through fees, commissions, or salaries. If they’re paid by client fees or commissions, their salary is tied to how much business they bring in. The harder they work, the more they make. In comparison, a salaried employee is guaranteed their wage no matter how many clients they have.

What experience should I look for in a financial advisor?

 If you have specific goals or a unique financial situation, look for a financial advisor with expertise in that area. For example, some financial advisors specialize in working with millennials or focus on socially responsible investing.

How much does a financial advisor cost?

A financial advisor’s costs depend on their fee structure. Some advisors charge a fee — either hourly or a percentage of the client assets under management. Another common option is to charge a commission on the products sold or investments made.

Should I hire a financial advisor before buying a house?

While not always necessary, a financial advisor could help you decide how large of a mortgage to apply for, how much money to put down, and how to balance the purchase with other savings and investment goals.

How many financial advisors are there in the U.S.?

According to the U.S. Bureau of Labor Statistics, it’s estimated that there are 218,050 financial advisors. California is the state with the highest employment of financial advisors across the nation.

Do banks offer financial advisors?

Yes, many banks have financial advisors on staff. Your bank may also offer incentives to work with their financial advisors, such as lower fees or free accounts. However, it's important to note that many of the bank's financial advisors don't have a fiduciary obligation and might prioritize the bank's products above all else. There is a cost when working with your bank's financial advisor.

Should I hire a wealth manager?

A wealth manager can help offer complex financial planning services, including tax guidance, estate planning, and legal assistance. While you don't have to be a high-income earner to benefit from a financial advisor, a wealth manager is typically for those that have a high net worth. However, many people build wealth and need a wealth manager later on in life.

Is wealth management worth it?

Wealth management is typically worth it for those who need help with multiple endeavors or comprehensive financial situations, such as charitable contributions or investment portfolio management, or want to protect their assets. A wealth manager can also offer you guidance if you’ve been neglecting your finances or making poor judgements.

How can you tell if a financial advisor is bad?

Your relationship with your financial advisor is a very personal one, as you’re trusting them with your wealth and future. Some general signs that your financial advisor is bad include:

  • They can’t answer your financial questions
  • You have worked with them for a while but haven’t seen a financial improvement
  • They don’t provide you with progress reports
  • They don’t check in with you

What do you need to be a financial advisor?

As mentioned, there are over 100 types of certifications for financial advisors. The training or experience you need will depend on which specialty you want to pursue. Generally, financial advisors need to have:

  • A Bachelor’s degree
  • A General Securities Representative license (Series 7 license)
  • A Certified Financial Planner (CFP) certification isn’t mandatory but is often preferred

Where do financial advisors work?

Where a financial advisor works will depend on what type of financial advisor they are. Financial advisors can work at a variety of places, including:

  • Securities and commodity brokers
  • A bank
  • A credit union
  • Independently
  • Insurance companies
  • Financial investment firms
  • Small investment advisory firms

How much do financial advisors make?

In 2019, the national average salary for a financial advisor was $87,850. However, it’s important to note the average salary varies from state to state and the different focus areas — an investment advisor may make a lot more than a financial planner. Lastly, salary can depend on how the individual is getting paid. Financial advisors can be paid by client fees, commissions, or salaries.

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