360 Dividends
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
360Dividends is a state‑registered, independent investment advisory solo practice that serves individuals, high‑net‑worth clients, charitable organizations, and small businesses. The firm provides ongoing portfolio management, financial planning (comprehensive, one‑time, and hourly), real‑estate investment analysis, insurance and employee benefits review, and access to third‑party money managers.
The firm develops individualized investment policies and implements a mix of passive and active approaches, using fundamental and technical analysis and, when appropriate, model allocations managed by outside managers. Accounts are supervised with periodic reviews tied to client objectives and risk tolerance, and clients may impose reasonable restrictions on investments.
What is atypical for a small independent adviser is the firm’s affiliation with an accounting practice: the principal operates an affiliated tax and accounting business (dedicating roughly 20% of professional time to that activity) and integrates tax preparation and tax‑planning advice into its comprehensive planning services. The firm also regularly offers educational seminars and speaking engagements (which may be provided pro‑bono) and provides specialized services such as detailed property analysis and stock option reviews as part of its planning work; the principal holds CFP and Enrolled Agent credentials.
Client services
Expertise
Fee options
One-Time Financial Plan fee ranging from $2,500 to $10,000; onboarding fee for Comprehensive Financial Planning $1,500 to $5,000
$0 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.50% $10,000,001+: Negotiable
Insurance commissions from annuity, life, health, and long-term care products sales (up to 5% time involvement) but no asset or transaction commissions for securities
Financial Planning Hourly Fee at $300 per hour
Comprehensive Financial Planning ongoing monthly fee of $200 to $3,000
Minimum fee: Minimum annual fee of $3,600 per year Fee-only: Comprehensive Financial Planning: onboarding fee of $1,500 to $5,000 plus ongoing monthly fee of $200 to $3,000; One-Time Financial Plan: $2,500 to $10,000; Financial Planning Hourly Fee: $300/hour; Educational Seminars: $0 to $2,000 per seminar or $0 to $200 per participant
Main office
Granite Bay CA
Advisors at this office
1
Most active in
California
Also doing business as
360 Dividends · 360 Dividends · Lira, Marcos Hugo
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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.
Forms ADV
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