Household Financial And Investment Planning

This is the core of our business. Point Loma Advisor's planning process helps you make well-informed strategic decisions as life unfolds. We analyze your current situation and provide a detailed assessment report, including recommendations. Portfolios are designed for investment efficiency relative to clients' risk tolerance and risk capacity, addressing:

Fiscal Philosophy: your values about money are is just as important as how you manage it.

Goals: including home ownership, education, retirement, financial legacy, and others

Budget: including household income, taxes, emergency fund, and consumer contracts

Assets: including portfolio (asset allocation, account types, expense assessment, etc.) pension plan(s), investment recommendations, and net worth

Liabilities: including credit cards & personal loans, student loans, and real estate debt

Risk: risk tolerance, portfolio assessment, insurance capital needs assessment, disability, and job loss


Investment Advisory/Management Service

Once you have a personal financial plan, Point Loma Advisors' portfolio management service keeps you on track. We continuously examine changes in:

  • investment products and strategies
  • etirement products and strategies
  • academic research
  • laws and regulations related to investments, pensions, and retirement 
  • long-term market valuations
  • changes to your personal financial plan

Point Loma Advisors seldom makes transaction recommendations based on short-term market fluctuations. Instead, we make recommendations for adjustments and changes to your investments and financial plan on an as-needed basis. While it is impossible to say how often recommendations will be made, our expectation is that it will be no more than a few times per year. Point Loma Advisors' reliance on modern portfolio theory implemented largely with low-cost index funds means that investment transaction decisions are largely strategic and driven by changes in your personal financial plan or overall portfolio imbalances from long-term market changes. While we believe that it is in your best interests to avoid 'fiddling' with investments, we are always ready to discuss your concerns, review changes to your personal financial situation and provide updated advice.

While we believe that it is in your best interests to avoid 'fiddling' with investments, we are always ready to discuss your concerns, review changes to your personal financial situation and provide updated advice.

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Our Fees

Appropriate Investment Advice: There's no such thing as a 'one-size-fits-all' investment. Appropriate investments depend upon time horizon, risk tolerance, goals, needs and other factors.

No Commission: Point Loma Advisors works solely in the interests of its clients and receives no outside commissions or fees.

Very Reasonable Rates: We keep our costs low and use the latest financial technology to do the things that computers do best.

No Asset Minimums: Those who are starting out investing are in a position to benefit most from Point Loma Advisors' cost-conscious, long-term strategies. For this reason, we have a Starter Program with no asset minimums.


Stand-Alone Financial Plans: Based on substantial inputs from our clients, Point Loma Advisors prepares a detailed, personalized household financial plan to help a household reach its financial goals.

Starter Program Household Financial Plan - $1000.

Designed especially to provide professional financial planning to starting investors.

Basic Household Financial Plan - $2000.

Should be sufficient for most households with uncomplicated financial situations.

Expanded Household Financial Plan - $2000 - $6000.

Designed for more complex financial situations.

Financial Planning Retainer: Ongoing financial planning guidance and advice for clients that have already purchased a Stand-Alone Financial Plan. The cost of the Stand-Alone Financial Plan, up to a maximum of $2000 ($1000 for Starter Program clients) is credited to the first year's fees. No asset minimum, minimum annual fee $1800

Asset Advisory/Management Service: Includes portfolio monitoring and transaction recommendations for a household's investment portfolio for clients that subscribe to the Financial Planning Service. Includes asset management for agreed accounts. Requires Financial Planning Retainer. No asset minimum.

Assets Financial Planning
Asset Advisory
Management Fee**
First $1,000,000 0.55% 0.25% 0.80%
Next $1,000,000 0.45% 0.25% 0.70%
Next $1,000,000 0.45% 0.15% 0.60%
Next $1,000,000 0.35% 0.15% 0.50%
Next $1,000,000 0.30% 0.10% 0.40%
Next $1,000,000 0.20% 0.10% 0.30%
Next $1,000,000 0.10% 0.10% 0.30%
Subsequent Amounts 0.05% 0.05% 0.10%



What is the difference between a Financial Advisor and an Investment Advisor?

Financial Advisors can put their own interests ahead of their clients' but Investment Advisors are fiduciaries, required by law to put their clients' interests first. Although a Financial Advisor can be a Registered Investment Advisor (RIA), it is not the same thing. Financial Advisors that are not RIAs are allowed to steer you toward the financial decisions that maximize their own profits. Point Loma Advisors is an RIA and puts its clients interests first.

Why should I hire Point Loma Advisors?

People who demand the best don’t go it alone or accept one-size-fits-all solutions; they hire professionals to find the best solutions to fit their specific circumstances. With Point Loma Advisors’ asset management service, our clients have a professional on their side to optimize their financial plans and investment portfolios as circumstances change



Nobel Prize winner Robert Merton recommends using an investment advisor.

Why should I trust Point Loma Advisors with my investments?

Point Loma Advisors follows the maxim of "trust but verify" and encourages its clients to do the same. Point Loma Advisors does not make final investment decisions for its clients; clients make their own final decisions based upon Point Loma Advisors advice. Point Loma Advisors works with clients to understand their needs and provides supporting information so they are confident in making decisions recommended by Point Loma Advisors. Further, Point Loma Advisors does not maintain custody of client investments or funds. Custody is maintained by third party providers; Point Loma Advisors recommends Shareholders Service Group.
​We take your privacy and security very seriously. Please see our Privacy Policy and contact us if you desire additional information.​

What if I become a client and later decide to leave?

This is one of the reasons you should work with a fiduciary investment advisor like Point Loma Advisors. The asset management contract can be canceled by either party, at will, with minimal notice for transition. There is no 'lock-up' period on investments recommended by Point Loma Advisors Advisors and there are no commissions charged. Asset management fees are billed in arrears so clients do not "leave any money on the table." Client assets are held by recognized third parties controlled by the client and are always fully accessible to the client.


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    If you're not ready for a personal conversation, I encourage you to sign up for my email list and receive a copy of 'Inside Investing' for Technical Professionals.If you're not ready for a personal conversation, I encourage you to sign up for my email list and receive a copy of 'Inside Investing' for Technical Professionals.