El Camino Real Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
El Camino Real Financial Advisors is a single‑advisor registered investment adviser serving individuals and small business clients with investment management, retirement and financial planning, and insurance products. The firm manages approximately $745,600 for about 18 clients and offers both portfolio management and standalone financial planning engagements alongside sales of annuities and life insurance products.
The firm describes a holistic, “strategic advisor” approach using a multi‑step planning process to set goals, construct portfolios, and coordinate third‑party asset managers when appropriate. Client accounts are managed primarily on a non‑discretionary basis—transactions are implemented only with prior client consent—and the adviser may employ a range of techniques from long‑term holdings to tactical trading, including options and margin where suitable.
What is noteworthy about this practice compared with many independent peers is that virtually all assets are handled non‑discretionarily, a less common model among similar firms, and the adviser is also a licensed insurance producer who devotes a substantial portion of time to insurance sales, including commissionable products. The firm combines this boutique, non‑discretionary oversight with use of third‑party managers, wrap‑fee programs and custodial platforms, and requires limited power‑of‑attorney arrangements solely to implement trades with client approval.
Client services
Expertise
Fee options
Fixed fees generally starting from $1,500 for financial planning engagements
0.80% annually for all ECRFA managed accounts
Insurance commissions may be earned on insurance product sales, noted in Exhibit C
$300 per hour for financial planning or consulting services
Fee-only: Hourly fee $300 per hour or fixed fee starting at $1,500 for financial planning services
Main office
See officeSanta Teresa NM
Advisors at this office
1
Most active in
California · New Mexico · Texas
Also doing business as
Carpenter Kraig Lee · El Camino Real Financial Advisors
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
Kraig C
Series 63, Series 65, Series 66
Santa Teresa, NM
El Camino Real Financial Advisors
Kraig Carpenter is a financial advisor at El Camino Real Financial Advisors with 16 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has worked at Charter Communications from 2016 to 2020. Carpenter is also a licensed insurance agent involved in life insurance sales. El Camino Real Financial Advisors is a single-advisor independent firm serving individuals and small businesses with investment management, retirement and financial planning, and insurance products. The firm primarily manages client accounts on a non-discretionary basis and combines portfolio management with insurance sales, employing a strategic, multi-step planning process that coordinates third-party managers when appropriate.
Mary L
Series 63, Series 65
Indio, CA
El Camino Real Financial Advisors
Mary Lanterman is a financial advisor at El Camino Real Financial Advisors with 13 years of industry experience. She holds Series 63 and Series 65 designations and has worked at several firms, including Brookstone Capital Management and Financial Independence Group. In addition to her advisory role, she is an independent insurance producer and a licensed real estate broker. El Camino Real Financial Advisors is a single-advisor registered investment adviser serving individuals and small business clients with investment management, retirement and financial planning, and insurance products. The firm primarily manages assets on a non-discretionary basis and employs a multi-step planning process that includes portfolio construction and coordination with third-party managers.
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