FullGuards Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm primarily serves individuals and small business owners and also manages accounts for trusts, estates, and retirement plans. It offers modular financial planning, ongoing asset management, and non-fiduciary retirement-plan consulting while operating as a solo advisory practice with about 15 clients and roughly $7.4 million in regulatory assets under management.
Portfolios are constructed using a strategic asset-allocation framework tailored to client objectives, risk tolerance, and written restrictions, and the firm can provide either discretionary or non-discretionary management depending on the client agreement. It commonly manages a majority of client assets on a non-discretionary basis, may incorporate liquid alternative exposures via third‑party platforms, and provides clients access to a proprietary fintech dashboard for portfolio visualization.
Noteworthy differences from many peers include the firm’s unusually high proportion of non-discretionary AUM and its provision of public educational seminars and workshops. The firm also maintains affiliated technology and insurance entities (a licensed B2B SaaS product in operation and a dormant consumer platform), executes trades sequentially without block aggregation, and offers an institutional-style service for households with $25 million or more under direct management.
Client services
Expertise
Occupation focus
Fee options
Fixed project fees for financial planning ranging from $1,500 to $5,000+ depending on plan complexity.
$0 - $300,000: 1.20% $300,001 - $500,000: 1.10% $500,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.85% $3,000,001 - $5,000,000: 0.70% $5,000,001 - $10,000,000: 0.55% $10,000,000+: 0.40%
$250 to $350 per hour, typically $250/hour for clients with a relationship exceeding five years.
Account minimum: $500 Fee-only: Hourly consulting fees range from $250 to $350 per hour, with $250/hour for clients with long-term relationships.
Main office
340 Soquel Ave, Suite 110
Santa Cruz CA 95062
Advisors at this office
1
Most active in
California · Oregon
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
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