Carlsbad Wealth Advisory Group, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Carlsbad Wealth Advisory Group provides discretionary portfolio management and comprehensive financial planning to individuals, high‑net‑worth households, trusts, foundations, pension and retirement plans, endowments, estates, and charitable organizations. Services include ongoing investment management as well as financial planning topics such as retirement, tax considerations, college funding, life insurance, and estate planning.
The firm emphasizes asset allocation over individual security selection and constructs portfolios primarily with exchange‑traded funds (ETFs), avoiding individual stock picking and technical analysis. Its ETF‑centric process is designed to prioritize asset‑class matching, low expense ratios, internal diversification, and liquidity, and it routinely leverages ETF substitutes to pursue tax‑loss harvesting while only rarely employing covered‑call options.
Notable distinctions include a small advisory team managing several hundred million dollars in discretionary assets and a practice of managing all client assets in‑house rather than using third‑party managers. The firm requires clients to use its recommended custodian, retains limited custody for certain accounts via standing disbursement authorization, and recently completed a founder retirement and internal client transition.
Client services
Expertise
Fee options
$0 - $500,000: 1.00% $500,001 - $3,000,000: 0.75% $3,000,001 - $10,000,000: 0.50% $10,000,001+: 0.40%
Account minimum: $1,000,000 Minimum fee: Minimum quarterly fee of $625 if average daily account balance falls below $250,000 Fee-only: Annual investment management fee charged on assets under management
Main office
2011 Palomar Airport Rd Ste 101
Carlsbad CA 92011
Advisors at this office
3
Most active in
Arkansas · California · Colorado · Texas
Also doing business as
2 Advisor · Carlsbad Wealth Advisory Group, Inc.
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.
Advisors at this firm
Andrew S
CFP®, Series 66
Carlsbad, CA
Carlsbad Wealth Advisory Group, Inc.
Andrew Sontag is a CFP® with 20 years of industry experience, currently serving as an advisor at Carlsbad Wealth Advisory Group, Inc. since 2008. He holds a Series 66 designation and works out of Carlsbad, CA. Carlsbad Wealth Advisory Group offers discretionary portfolio management and comprehensive financial planning to a range of clients including individuals, high-net-worth households, trusts, foundations, and charitable organizations. The firm’s investment approach centers on asset allocation using primarily exchange-traded funds (ETFs), focusing on low expense ratios, internal diversification, and liquidity, while managing all client assets in-house.
Heather S
CFP®, Series 63, Series 65
Carlsbad, CA
Carlsbad Wealth Advisory Group, Inc.
Heather Sontag is a CFP® professional at Carlsbad Wealth Advisory Group, Inc. with six years of industry experience. She has worked at Carlsbad Wealth Advisory Group since 2019 and concurrently holds a senior staff accountant position at Solar Turbines Incorporated. Carlsbad Wealth Advisory Group provides discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth households, trusts, foundations, pensions, and charitable organizations. The firm emphasizes asset allocation primarily through exchange-traded funds (ETFs) and manages all client assets in-house, focusing on low expense ratios and internal diversification.
Matthew B
CFP®, Series 66
Carlsbad, CA
Carlsbad Wealth Advisory Group, Inc.
Matthew Brayer is a Certified Financial Planner™ (CFP®) associated with Carlsbad Wealth Advisory Group, Inc. He has been with the firm since 2023 and has prior experience working at UC San Diego and Brookfield Central High School. Carlsbad Wealth Advisory Group offers discretionary portfolio management and comprehensive financial planning services to a diverse client base including individuals, high-net-worth households, trusts, and charitable organizations. The firm’s investment approach centers on asset allocation through exchange-traded funds (ETFs), emphasizing internal diversification, low expense ratios, and in-house management of client assets.
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