Cloud, Minturn & Associates, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Cloud, Minturn & Associates provides financial planning, retirement planning, consulting, and selection and monitoring of third‑party money managers for individuals, high‑net‑worth clients, and business entities. The firm offers written financial plans and targeted consulting engagements, and facilitates relationships with independent registered investment advisers rather than directly providing discretionary portfolio management.
The firm’s process emphasizes asset allocation, mutual fund/ETF analysis, and third‑party manager due diligence, documented through a Personal Investment Policy Statement (PIPS) used to match clients with outside managers. Cloud, Minturn monitors selected managers’ holdings, strategies and compliance but does not take custody of client assets or exercise investment discretion for client accounts.
Distinctive features in the ADV include an affiliation with an in‑house insurance agency (CMA Insurance Services) and associated persons who are licensed insurance agents, creating potential conflicts when insurance products are recommended and implemented separately. The firm also commonly charges fixed or hourly fees for planning and consulting and focuses on advising and overseeing other advisers—an approach that differs from many investment manager firms that rely primarily on percentage‑of‑assets billing and direct asset management.
Client services
Expertise
Fee options
Financial Planning fixed fees range from $500 to $5,000; Retirement Planning fixed fees range from $500 to $5,000; Consulting Services fixed fees range from $200 to $2,500.
Commissions received from insurance product sales by associated persons acting as insurance agents/brokers; commissions are separate from advisory fees.
Consulting Services fees range from $50 to $400 per hour.
Fee-only: Financial Planning fixed fees typically range from $500 to $5,000; Retirement Planning fixed fees typically range from $500 to $5,000; Consulting Services fixed fees typically range from $200 to $2,500; Consulting Services hourly fees range from $50 to $400 per hour.
Main office
3858 W. Carson Street, Suite # 204
Torrance CA 90503
Advisors at this office
1
Most active in
California
Also doing business as
Cloud, Minturn & Associates · Cloud, Minturn & Associates, 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
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