Cadena Financial Planning & Tax Services
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About
Cadena Financial Planning & Tax Services provides fee-only financial planning and investment management to individual clients and trusts, serving a client base of under 100. Services described in the brochure include comprehensive financial plans and targeted projects covering retirement, estate, education, cash flow, and tax planning.
The firm uses a tailored, holistic process that begins with goal-setting and an assessment of current finances, then applies a fundamental investment approach that considers economic indicators, corporate earnings, valuations, tax law, and each client’s risk tolerance and time horizon. Accounts are managed on an ongoing, discretionary basis, and the firm offers both comprehensive engagements and targeted hourly work for specific client needs.
What is noteworthy about the firm is the explicit integration of tax planning and tax advice into its advisory offering—tax planning is described in the brochure as a “cornerstone” of a client’s financial plan—so clients receive combined financial and tax planning rather than investment-only advice. The firm also operates as a sole, fee-only fiduciary managing discretionary assets (reported at $61.2 million) and provides regular custodial statements and trade confirmations for client review.
Client services
Expertise
Fee options
Fixed fees from $1,500 to $5,000 depending on the complexity of the financial plan or service
$1 - $999,999: 1.00% annually $1,000,000 - $1,499,999: 0.75% annually $1,500,000 - $1,999,999: 0.50% annually $2,000,000+: 0.25% annually
$150 per hour for advisory services except ongoing investment management
Fee-only: Flat fees ranging from $1,500 to $5,000 for comprehensive financial plans; Hourly rate of $150 for advisory services except ongoing investment management
Main office
6540 Lusk Blvd., Suite C 136 C
San Diego CA 92121
Advisors at this office
1
Most active in
California
Also doing business as
Cadena Financial Planning & Tax Services · Cadena, Daniel, Owen
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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