El Camino Real Financial Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$745,622
Clients
18
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
18
TypicalAverage account size
$41,423
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
Financial planning
Portfolio management
Selection of other advisers
Expertise
Retirement income strategy
Annuities
Life insurance needs analysis
Cash flow / budgeting
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 location
El Camino Real Financial Advisors
Po Box 1533
Santa Teresa NM 88008-1533, United States
Number of offices
1
Most active in
El Camino Real Financial Advisors has reported serving >5 clients in these states in the last 12 months.
California · New Mexico · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
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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