San Diego, CA Office

Adaptive Financial Consulting, LLC is a six-advisor team that manages roughly $547 million for individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers discretionary and non-discretionary investment management, financial planning and consulting, pension/401(k) plan consulting, and educational seminars for small business owners.

As a fiduciary for retirement accounts, Adaptive customizes portfolios to clients’ goals and risk tolerance and uses a mix of mutual funds, ETFs, individual equities and fixed income, and may employ margin and options strategies when appropriate. The firm applies multiple analytic approaches — including fundamental, quantitative, technical and modern portfolio theory — provides financial planning often alongside investment management, and reviews ongoing accounts at least annually.

Adaptive’s brochure highlights a couple of features that are less common among similar teams: it conducts no-charge educational seminars focused on entity structure, tax implications and sale-of-business planning for small business owners, and multiple advisors are independently licensed insurance agents who may offer commissionable insurance products (a relationship the firm discloses as a potential conflict of interest). The firm also reports a relatively small client count (176) for its asset level, implying higher assets managed per client compared with many peers.