10/28 Wealth Management LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
10/28 Wealth Management LLC provides investment management and comprehensive financial planning services to individual and high‑net‑worth clients, offering both ongoing and project‑based planning engagements as well as discretionary portfolio management. The firm is fee‑only and provides advice on asset allocation, retirement and estate planning, business planning, tax strategies, insurance reviews, and may refer clients to unaffiliated third‑party professionals.
The firm constructs client‑specific investment policies and implements a mix of passive and active strategies, including Modern Portfolio Theory‑based asset allocation, mutual funds, ETFs, and selectively recommended outside managers. It also uses model portfolios available through Altruist’s Model Marketplace and Schwab’s Model Market Center, offers socially responsible investing options, and provides ongoing clients access to a secure financial planning portal that aggregates account data and supports quarterly reviews.
Noteworthy for a newly registered, very small independent advisory firm, 10/28 WM reports no assets under management or clients as of July 13, 2026 and does not operate as a traditional solo practitioner, yet it nonetheless participates in institutional model marketplaces and integrates outside manager solutions. The firm discloses it is strictly fee‑only, does not accept commission‑based compensation, and relies on custodial platforms (Altruist and Schwab) that provide third‑party tools and services which may influence platform recommendations.
Client services
Expertise
Fee options
Fixed fees from $500 to $10,000 for Project-Based Financial Planning and initial comprehensive financial planning fees ranging from $500 to $10,000.
$0 - $500,000: 1.25% $500,001 - $2,500,000: 1.00% $2,500,001 - $5,000,000: 0.75% $5,000,001+: 0.50%
$300 per hour for Project-Based Financial Planning.
Ongoing Financial Planning annual fees range from $500 to $10,000, charged monthly in arrears.
Fee-only: Financial planning fees including $500 to $10,000 initial and ongoing annual fees, Project-Based financial planning fixed fees from $500 to $10,000, and hourly fees at $300/hour.
Main office
Oceanside CA
Advisors at this office
1
Most active in
California · Texas
Also doing business as
10/28 Wealth Management LLC · Edsall Iii, Francis Edwin
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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