Cardenas Asset Management, LLC

Cardenas Asset Management provides ongoing investment management and financial planning to individuals, high-net-worth clients, trusts, estates, charitable institutions, and corporate or business entities, including SEP plans. Its planning work covers retirement analysis, tax strategies, debt management, and sector diversification, and clients may impose portfolio restrictions or sector preferences.

The firm limits investments to publicly traded equities, ETFs, mutual funds, bonds and other fixed-income instruments, emphasizing quality companies and a long-term time horizon while using a laddered approach for bond maturities. For larger or option-qualified accounts it may use covered-call writing and cash-secured puts, and it incorporates tax-aware lot selection and the option of donating appreciated securities to manage tax outcomes.

Notably, the firm serves charitable organizations and corporate/business clients—relationships that are less common among independent advisers—and explicitly supports in-kind donations of appreciated stock as a tax-efficient giving strategy. It requires custody of client assets at a single institutional custodian and relies on that custodian’s institutional services (a disclosed source of potential conflicts), and it manages the bulk of assets on a discretionary basis while retaining a meaningful nondiscretionary segment for some accounts.