AMB Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
AMB Financial serves individual investors, some high-net-worth clients, and business entities by providing investment management and both ongoing and project-based financial planning on a fee-only basis. The firm operates as a solo independent adviser and manages roughly $4.9 million in client assets across a small client roster, with the bulk of those assets reported as non-discretionary.
The firm’s investment work emphasizes asset allocation and a mix of passive and active strategies informed by fundamental and cyclical analysis, with typical recommendations including stocks, bonds, mutual funds, ETFs and municipal securities. Investment management is implemented on a non-discretionary basis (clients approve transactions), and financial planning engagements can include business planning, tax and estate considerations, retirement projections, and employee benefits optimization.
Distinctive features include a tiered flat annual fee model rather than a conventional percentage-of-assets fee and the firm’s concentration of primarily non-discretionary AUM, both of which are uncommon among independent advisers. The firm is also characterized by a very small, hands-on practice: a single adviser who continues to work in a separate clinical practice, a limited client base, and reliance on an institutional custodian platform for custody and operational support.
Client services
Expertise
Occupation focus
Fee options
Project-Based Financial Planning fixed fee $500-$5,000; Ongoing Financial Planning fixed fee range $500-$5,000 paid quarterly; Initial comprehensive financial plan fee up to $2,500 (may be waived or reduced)
$0 - $500,000: Flat fee $1,000/year $500,001 - $1,000,000: Flat fee $3,000/year Above $1,000,000+: Flat fee $5,000/year
Project-Based Financial Planning hourly rate of $200/hour
Minimum fee: $1,000/year for accounts $0-$500,000; $3,000/year for $500,001-$1,000,000; $5,000/year for above $1,000,000 Fee-only: Ongoing Financial Planning: Fixed fees ranging from $500 to $5,000 paid quarterly in advance; Project-Based Financial Planning: Fixed fees $500-$5,000 or hourly rate $200/hour
Main office
Temecula CA
Advisors at this office
1
Most active in
California
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.
Forms ADV
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