Carbahal Olsen Financial Services Group LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$250,267,310
Clients
237
Advisors
2
of 3 employees
About
Carbahal Olsen Financial Services Group provides comprehensive and limited financial planning and discretionary asset management to individuals (including high net worth clients), small businesses, and pension/profit-sharing plans. Its services include written financial plans, model-based portfolio management, a Fidelity-based annuity management program, and ongoing performance reporting.
The firm uses a Core/Satellite investment framework, emphasizing low-cost ETFs and diversified strategic allocations as the core with tactical satellite positions to target specific market sectors, guided by modern portfolio theory and macroeconomic analysis. COFS also offers custom accounts and specific model implementations for employer-sponsored retirement plans that rely on actively managed Fidelity mutual funds or annuity sub-accounts when appropriate.
What distinguishes COFS from many peers is its scale and business affiliations: the firm reports approximately $257.6 million in assets under management, a level uncommon for firms of its advisor count, and it is affiliated with an accounting practice whose principals refer clients—a relationship the brochure discloses as a material conflict of interest. It also relies on a single custodian platform for client accounts and discloses other ancillary activities (insurance licensing, issuer board service) that the firm says are managed through its policies and disclosures.
Client services
Expertise
Fee options
$250 - $1,500 per financial plan
$50,000 - $250,000: 1.00% – 1.75% $250,001 - $499,999: 0.85% – 1.60% $500,000 - $999,999: 0.65% – 1.40% $1,000,000 - $2,499,999: 0.40% – 1.15% $2,500,000+: Contact COFS for pricing
$75 - $350 per hour
Account minimum: $50,000 Fee-only: $75 - $350 per hour or $250 - $1,500 per fixed financial plan
Main office
1107 Kennedy Place, Suite 3
Davis CA 95616-1273
Advisors at this office
2
Most active in
California · Louisiana · New Hampshire
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Kurt S
CFP®, Series 65
Davis, CA
Carbahal Olsen Financial Services Group LLC
Kurt Schrader is a CFP® professional with eight years of experience in the financial services industry. He has worked at Carbahal Olsen Financial Services Group LLC since 2017 and previously spent seven years at Purves & Associates. Schrader holds a Series 65 license and is based in Davis, CA. Carbahal Olsen Financial Services Group LLC provides financial planning, consultation, and discretionary portfolio management primarily to individual clients, including high-net-worth households, as well as small businesses and retirement plan clients. The firm employs a core/satellite investment approach using low-cost ETFs and select actively managed mutual funds, with tactical satellite allocations tailored for tax or client-specific constraints.
Manuel C
Series 63, Series 65
Davis, CA
Carbahal Olsen Financial Services Group LLC
Manuel Carbahal is a financial advisor with Carbahal Olsen Financial Services Group LLC, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been associated with Carbahal Olsen Financial Services Group since 2010 and also serves as Vice President at Carbahal & Company, an accounting practice where he devotes a significant portion of his time. Additionally, he is a managing member of Final Ledger, LLC, a tax preparation business. Carbahal Olsen Financial Services Group LLC provides financial planning, consultation, and discretionary portfolio management primarily to individual clients, including high-net-worth households, as well as small businesses and retirement plan clients. The firm employs a core/satellite investment approach using low-cost ETFs and select actively managed mutual funds, maintaining a notable scale with over $212 million in assets under management and more than 230 client relationships.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")