Cavender Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cavender Financial Planning provides investment management and integrated financial planning to individuals, high‑net‑worth individuals, trusts, and qualified retirement plans. The firm is newly formed and currently reports no assets under management.
The firm follows a long‑term, asset‑allocation‑based approach that emphasizes diversification and cost‑efficient vehicles such as ETFs, mutual funds, equities, and fixed income, and it constructs and manages portfolios internally rather than relying on third‑party model portfolios. Clients grant the firm discretionary trading authority, and financial planning is provided only as part of an ongoing investment management relationship rather than as a standalone offering.
Noteworthy features in the brochure include the explicit integration of a written financial plan into the AUM fee arrangement and the firm’s internal portfolio construction and monitoring processes. Cavender Financial Planning operates on a fee‑only basis, recommends institutional custodians (Charles Schwab and Altruist) for custody and execution, and discloses limited custody solely for the purpose of fee deduction while clients retain responsibility for proxy voting.
Client services
Expertise
Fee options
$0 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.70% $2,000,001 - $4,000,000: 0.60% $4,000,001+: 0.40%
Account minimum: $20,000 Fee-only: Fees based solely on assets under management; no commissions or other sales-related compensation.
Main office
San Diego CA
Advisors at this office
1
Most active in
California
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.
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