DEFINE Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Define Financial, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth clients, and select charitable organizations. The firm provides discretionary investment management, comprehensive financial planning, and pension consulting, managing roughly $314.6 million for about 119 client relationships through a three-advisor team.
The firm generally implements passive, risk-based portfolios built from no-load mutual funds and ETFs and retains discretionary authority to make trading decisions consistent with each client’s goals and risk tolerance. Financial planning is offered both directly and through a sub-advisory relationship with a third‑party planner (Domain Money), with ongoing monitoring and periodic plan reviews as part of the service model.
What distinguishes Define Financial from many peers is its boutique staffing relative to assets under management and its use of a formal third‑party planning relationship that includes a revenue-sharing arrangement with that planner, a disclosed potential conflict of interest. The firm also provides pension consulting and, when serving employer plans, acknowledges ERISA fiduciary responsibilities—services that are not universal among similarly sized advisers.
Client services
Expertise
Fee options
Flat annual fees up to $50,000 for investment management and comprehensive financial planning; pension consulting fees generally range between $20,000 and $50,000; financial planning flat fees generally range between $20,000 and $50,000; Third-Party Planner flat fees $3,900 to $9,000 initial and $2,900 to $8,000 annual fees
Up to $500 per hour for financial planning services
Minimum fee: Minimum annual fee of $20,000 per year (charged in minimum quarterly increments of $5,000 per quarter), increasing 3.0% annually Fee-only: Flat fees generally ranging from $20,000 to $50,000 for financial planning and pension consulting
Main office
12526 High Bluff Drive, Suite 270
San Diego CA 92130
Advisors at this office
5
Most active in
California · Louisiana · Texas
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.
Quick links
Advisors at this firm
Taylor S
CFP®, Series 66
San Diego, CA
DEFINE Financial, LLC
Taylor Schulte is a CFP® professional with 19 years of industry experience, currently serving at DEFINE Financial, LLC since 2017. He has held positions at firms including Morgan Stanley, Beverly Hills Wealth Management, and Advanced Practice Advisors. Schulte is also the owner of Schulte Ventures, LLC, which creates online educational content and consulting services, and a shareholder in Wealthtender, Inc., a personal finance content publication platform. DEFINE Financial, LLC is an SEC-registered adviser that serves individuals, high-net-worth clients, and select charitable organizations. The firm manages roughly $314.6 million across about 119 client relationships, focusing on passive, risk-based portfolios using no-load mutual funds and ETFs, and offers comprehensive financial planning and pension consulting services.
Mariani H
CFP®, Series 63
San Diego, CA
DEFINE Financial, LLC
Mariani Hummel is a CFP® professional with two years of industry experience, currently serving as a financial advisor at Define Financial, LLC. Prior to joining Define Financial, Hummel worked at Fidelity Investments and has a background that includes roles in investment counsel and university studies. Define Financial, LLC is an SEC-registered investment adviser serving individuals, high-net-worth clients, and select charitable organizations. The firm offers discretionary investment management, comprehensive financial planning, and pension consulting, employing a passive, risk-based investment approach with no-load mutual funds and ETFs.
Joshua R
CFP®, Series 65
San Diego, CA
DEFINE Financial, LLC
Joshua Rendler is a CFP® and holds a Series 65 license with four years of experience in the financial industry. He currently serves as an advisor at Define Financial, LLC and has prior experience at Pacific Wealth Management, Ameriprise, and San Diego State. Define Financial, LLC is an SEC-registered investment adviser serving individuals, high-net-worth clients, and select charitable organizations. The firm manages approximately $315 million across about 119 client relationships, employing passive, risk-based portfolios primarily made up of no-load mutual funds and ETFs, alongside financial planning and pension consulting services.
Tyler A
CFP®, Series 66
San Diego, CA
DEFINE Financial, LLC
Tyler Aubrey is a CFP®-credentialed financial advisor with nine years of industry experience. He is currently with DEFINE Financial, LLC, where he has worked since 2017, following earlier roles including four years at General Dynamics NASSCO. Outside of his advisory work, he volunteers annually for the Borrego Open charity golf tournament, assisting with tournament organization and scoring. DEFINE Financial, LLC is an SEC-registered investment adviser serving individuals, high-net-worth clients, and select charitable organizations. The firm offers discretionary investment management, comprehensive financial planning, and pension consulting, managing approximately $314.6 million across a boutique team of advisors.
Charles S
CFP®
San Diego, CA
DEFINE Financial, LLC
Charles Schwab is a CFP® professional with one year of industry experience, currently serving at Define Financial, LLC. He has previously worked at Cerity Partners, Cetera Financial Group, and Ginsburg Financial Advisors, and has a background including roles in education and at Roche Molecular Systems. Define Financial, LLC is an SEC-registered investment adviser serving individuals, high-net-worth clients, and select charitable organizations. The firm uses passive, risk-based portfolios mainly composed of no-load mutual funds and ETFs, providing discretionary investment management, financial planning, and pension consulting through a three-advisor team.
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