Balancing Life Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Balancing Life Financial Planning serves individual and high-net-worth clients, providing comprehensive portfolio management and financial planning services. The firm constructs client investment policy statements and typically implements portfolios through outside managers and TAMPs, recommending custodians such as Buckingham Strategic Partners and Nationwide for custody and third‑party management.
Portfolios are built around clients’ stated goals, tax considerations, and risk tolerance and may include individual stocks, bonds, ETFs, mutual funds, options, and municipal bonds; accounts are managed on a discretionary basis and monitored and rebalanced regularly. Clients may impose reasonable restrictions on securities or sectors, and accounts are subject to periodic reviews (at least quarterly) with implementation often handled by recommended outside managers.
A distinctive feature is the firm’s affiliation with tax and accounting services: the principal is an Enrolled Agent who may provide income tax preparation and accounting under separate engagement agreements, a relationship the brochure discloses as a potential conflict. The firm operates with a small client base and modest discretionary assets (the brochure reports roughly $19.3 million across about 46 clients), does not accept custody except for fee debits, and does not vote client proxies—operational points that may matter when comparing it to peers.
Client services
Expertise
Fee options
Up to 1.75% annually (tiered, specific tier breakdown not provided)
Account minimum: $5,000 Fee-only: Annual fees up to 1.75%, tiered and negotiable, paid quarterly in advance.
Main office
900 E. Katella Ave Suite B
Orange CA 92867
Advisors at this office
2
Most active in
California · Texas
Also doing business as
Balancing Life Financial Planning · Ober, Edward Jacob
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
Quick links
Advisors at this firm
Caren O
Series 63, Series 65
Orange, CA
Balancing Life Financial Planning
Caren Ober is a financial advisor at Balancing Life Financial Planning with 24 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Independent Financial Group from 2012 to 2019. Ober is also the owner of Caren Ober Accountancy Corp., which offers estate and tax planning, business continuity planning, and tax preparation services. Balancing Life Financial Planning serves individual and high-net-worth clients by providing comprehensive portfolio management and financial planning. The firm builds portfolios tailored to clients’ goals, tax considerations, and risk tolerance, often implementing strategies through outside managers and recommended custodians.
Edward O
Series 63, Series 65
Orange, CA
Balancing Life Financial Planning
Edward Ober is a financial advisor with Balancing Life Financial Planning in Orange, CA, holding Series 63 and Series 65 licenses and with 20 years of industry experience. He has worked at Balancing Life Financial Planning since 2019 and previously spent seven years at Independent Financial Group, LLC. Additionally, he is employed as a staff accountant at Ober Financial, where he has been active for over two decades. Balancing Life Financial Planning serves individual and high-net-worth clients, offering comprehensive portfolio management and financial planning. The firm builds portfolios aligned with clients’ goals, tax considerations, and risk tolerance, often using outside managers and recommended custodians such as Buckingham Strategic Partners and Nationwide.
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