Carlsbad, CA 1917 Palomar Oaks Way Office

Financial Focus LLC provides investment advisory and financial planning services to individuals (including high net worth clients), trusts, estates, charitable organizations, businesses and retirement plans, and reports serving a client base of roughly 516 accounts with a five-advisor team. Its services include discretionary asset management delivered through the AssetMark platform, comprehensive written financial plans and one-time consulting engagements.

The firm typically implements model portfolios and conducts client meetings to document objectives and risk tolerance, then manages accounts on a discretionary basis with periodic (at least quarterly) reviews and rebalancing as appropriate. It also offers retirement-plan consulting and fiduciary services, able to act as either a limited-scope ERISA 3(21) adviser or a discretionary ERISA 3(38) investment manager for plan sponsors, with stated exclusions for non-public and illiquid assets.

A distinctive feature is that the firm sponsors a wrap fee program using model portfolios, bundling management and transaction coverage into a single advisory arrangement — a role that is relatively uncommon among similar team firms. The firm also combines platform relationships (AssetMark and multiple custodians) with personnel who maintain broker-dealer and insurance registrations, practices the firm discloses and manages through its fiduciary policies and internal compliance procedures.