Embarcadero Capital Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Embarcadero Capital Advisors provides advisory services to individuals (including high‑net‑worth clients), trusts, estates, corporations and employee benefit plans, offering wrap‑fee portfolio management, retirement plan consulting, financial and estate planning, and tax planning and preparation. Like many peers, the firm generally charges asset‑based fees and manages accounts on a discretionary, open‑architecture basis.
The firm’s investment approach emphasizes strategic, primarily long‑term portfolio management with the ability to employ short‑term tactical strategies as needed, using both fundamental and technical analysis and, in some cases, third‑party managers. Embarcadero also integrates tax‑aware advice into its wealth management process and employs IRS and state‑licensed tax preparers to support ongoing tax filing and representation.
Distinctive aspects disclosed in its brochure include a Final Judgment by consent in an SEC enforcement action entered August 19, 2026 addressing prior misrepresentations about the firm’s founder and resulting in injunctive relief and monetary sanctions of $147,505.06. The firm is also a wrap‑fee program sponsor and retains legacy performance‑based fee accounts, offers periodic free educational seminars to the public, and its owner operates a separate business that provides insurance, tax preparation and estate‑planning services (a disclosed potential conflict of interest) while serving on a credit union board.
Client services
Expertise
Fee options
Estate planning services: flat fee not to exceed $6,000 annually; Tax planning and preparation services: flat fee up to $600 for non-corporate clients and up to $10,000 for corporate clients.
Advisory Representatives may receive customary commissions from insurance products recommended in their separate capacity as insurance agents.
Up to $450 per hour for tax planning and preparation services.
Performance-based fees charged to certain qualified clients on a legacy basis, based on capital gains or appreciation of assets.
Account minimum: $50,000
Main office
23151 Verdugo Drive, Suite 106
Laguna Hills CA 92653
Advisors at this office
1
Most active in
Arizona · California · Nevada · Texas
Also doing business as
E. · Embarcadero Capital Advisors · Embarcadero Capital Advisors, Inc. · Embarcadero.
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:
-
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.
-
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.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)