DBA Seaside Financial & Insurance Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Seaside Financial & Insurance Services provides investment advisory and financial planning services to individuals, pension and profit‑sharing plans, businesses, charitable organizations, and trusts and estates. The firm offers portfolio management, standalone and ongoing financial planning, pension consulting, and access to a broad range of securities and insurance products, and it may recommend third‑party managers or platforms.
The firm generally emphasizes fundamental analysis and a long‑term investment orientation and prepares an Investment Policy Statement for each client, with ongoing monitoring and rebalancing under discretionary authority. Seaside uses third‑party research and financial planning software (e.g., Morningstar, eMoney), discloses the use of AI tools to assist in drafting client materials, and may recommend tax‑overlay or third‑party platforms such as JPMorgan 55ip (which charge separate fees).
Noteworthy for a firm of its size, Seaside’s advisory representatives also engage in broker‑dealer and insurance activities: the brochure discloses a registered‑representative relationship with Fortune Financial Services, Inc. and that certain representatives are licensed insurance agents who may receive commissions, and the firm conducts no‑cost educational seminars and offers ancillary services such as trust accounting and business consulting. The firm manages roughly $81 million in discretionary assets, recently transitioned to state registration, and discloses specific conflict‑mitigation practices (for example, limiting advisory charges on commission‑based products and providing full disclosure of affiliations).
Client services
Expertise
Fee options
Fixed financial planning fees calculated based on estimated hours multiplied by hourly rate; typical range from $200 to $12,000 annually.
$0 - $250,000: 1.25% annually $250,001 - $1,000,000: 1.00% annually $1,000,001 - $3,000,000: 0.90% annually $3,000,001+: 0.75% annually
Some advisory representatives also registered representatives of a broker-dealer and may receive commissions on certain investment products.
Hourly fees for financial planning range from $65 to $400 per hour based on experience, with a maximum of $300 per hour for Washington clients.
Fee-only: Financial planning fees charged as fixed fees ranging from $200 to $12,000 annually or hourly rates ranging from $65 to $400 per hour depending on complexity and professional level; hourly rate capped at $300 per hour for Washington clients.
Main office
See office2888 Loker Ave East, Suite 110
Carlsbad CA 92010
Advisors at this office
3
Offices (2)
Most active in
California · Connecticut · New York · Texas · Washington
Also doing business as
Dba Seaside Financial & Insurance Services · Seaside Advisory · Seaside Advisory Services, 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 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
Advisors at this firm
Darlene M
Series 65
Carlsbad, CA
DBA Seaside Financial & Insurance Services
Darlene Maza is a financial advisor at DBA Seaside Financial & Insurance Services in Carlsbad, CA, holding a Series 65 credential with four years of industry experience. She has been with Seaside Advisory Services, Inc. since 2021 and with Seaside Advisory since 2016. Seaside Financial & Insurance Services primarily serves individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm offers portfolio management, financial planning, pension consulting, and insurance placement, using investment strategies based on fundamental, technical, cyclical, and quantitative analysis.
Cody L
Series 65
Greenwhich, CT
DBA Seaside Financial & Insurance Services
Cody Laidlaw is a financial advisor at DBA Seaside Financial & Insurance Services with a Series 65 designation and four years of industry experience. He has worked at Seaside Advisory Services, Inc. since 2021 and has been involved with Belpointe since 2013. Outside of advisory work, Laidlaw serves as Head of Investor Relations for Belpointe Real Estate Development, a private equity firm specializing in real estate development. Seaside Financial & Insurance Services primarily serves individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm offers portfolio management, financial planning, and pension consulting, using a combination of fundamental, technical, cyclical, and quantitative analysis to inform its long-term and occasional short-term investment strategies.
Shawn O
Series 63, Series 66
Carlsbad, CA
DBA Seaside Financial & Insurance Services
Shawn Orser is a financial advisor with Seaside Financial & Insurance Services, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been associated with Fortune Financial Services, Inc. since 2014 and with Seaside Advisory Services, Inc. since 2009. Orser serves as a trustee on the Board of Directors for Collaborative Investment Series Trust, overseeing mutual funds and fund managers according to their investment mandates. Seaside Financial & Insurance Services primarily serves individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm offers portfolio management, financial planning, pension consulting, and insurance placement, using documented client objectives and a combination of fundamental, technical, cyclical, and quantitative analysis in its investment approach.
Alison F
Series 63, Series 65
Carlsbad, CA
DBA Seaside Financial & Insurance Services
Alison Farrin is a financial advisor with Seaside Financial & Insurance Services, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked at Fortune Financial Services, Inc. since 2014 and has been involved with Seaside Advisory and Innovative Pension Strategies, Inc. since 2011 and 1991, respectively. Farrin also conducts educational seminars to help 401(k) participants understand plan terminology and mechanics. Seaside Financial & Insurance Services serves primarily individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm provides portfolio management, financial planning, pension consulting, and insurance placement, employing long-term investment strategies documented in Investment Policy Statements.
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