Centered Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$72,458,631
Clients
163
Advisors
2
of 2 employees
About
Centered Financial serves individual clients — including high‑net‑worth households — along with pension plans, charities and small business entities, offering discretionary and non‑discretionary investment management, financial planning (ongoing, limited‑scope and project work) and pension consulting. The firm also facilitates referrals to third‑party asset managers and sub‑advisers and charges fees on a percentage‑of‑assets basis while tailoring services to each client’s goals.
The firm combines strategic and tactical asset allocation and applies Modern Portfolio Theory, using both fundamental and technical analysis to construct portfolios. Investment recommendations can include mutual funds and ETFs as well as individual equities, municipal and corporate debt, REITs, options and insurance‑based products such as variable annuities and variable life subaccounts; the firm monitors accounts at least quarterly and may allocate assets to sub‑advisers or third‑party managers.
A noteworthy feature is the firm’s insurance and broker‑dealer affiliations: principals and related persons are appointed as insurance agents and registered with a broker‑dealer and may receive commissions for insurance and brokerage products, which is less common among similarly sized supported firms and can create additional conflicts of interest. The firm’s use of referral and sub‑advisory arrangements and external provider support for non‑discretionary allocations expands client access to outside managers but also introduces multiple compensation relationships clients should consider.
Client services
Expertise
Fee options
Fixed fees for financial planning and consulting projects ranging from $0 to $25,000; fixed fee capped at $3,000 per year for qualified retirement plans under $100,000
$0 - $150,000: 1.50% $150,001 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.90% $3,000,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.50% $10,000,001 - $15,000,000: 0.40% $15,000,001+: 0.25%
Investment adviser representatives receive brokerage or mutual fund trail commissions for securities sales; commissions on sale of insurance or other products
Limited scope financial planning and consulting services billed at $200 per hour
Ongoing financial planning and consulting services fees range from $50 to $500 per month, payable monthly in advance
Fee-only: Initial financial planning and consulting services fees range from $0 to $25,000; limited scope financial planning and consulting services billed at $200 per hour; ongoing planning and consulting services range from $50 to $500 per month
Main office
701 Palomar Airport Road, Suite 300
Carlsbad CA 92011
Advisors at this office
2
Most active in
California · Texas · Utah
Also doing business as
Centered Financial · Centered Financial LLC
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
Forms ADV
Quick links
Advisors at this firm
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