Palm Desert, CA Country Club Dr. Office

FLC Capital Advisors provides asset management, investment consulting, and standalone financial planning to individuals (including high-net-worth clients), trusts, pension and corporate clients. The firm also offers wrap-fee accounts and delivers written financial plans or consultations that are typically completed within six months of engagement.

The firm manages the majority of its $822,156,813 in reported assets on a discretionary basis and uses a mix of asset-allocation strategies, fundamental analysis, mutual funds and ETFs, and third‑party manager due diligence to align portfolios with clients’ risk tolerances and time horizons. Financial planning is offered separately from portfolio management, and implementation of plan recommendations is left to the client’s discretion.

What is noteworthy in the brochure is that FLC’s representatives are registered representatives of a broker-dealer and licensed insurance agents who may accept commissions and trail fees for certain product sales, a practice the firm discloses as a potential conflict of interest. The firm also discloses an affiliation with a CPA firm that generates cross-referrals, sponsors a wrap-fee program, and maintains written arrangements for paid endorsements/testimonials and custodial/referral relationships (including participation in the Schwab Advisor Network).