Inception Financial Services

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Client assets under management

$29,000,000

Clients

119

3% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Typical

Average account size

$243,697

About

Inception Financial Services provides ongoing portfolio management and investment advisory services to individuals, high‑net‑worth clients, and certain business entities. The firm’s most recent brochure amendment notes it no longer offers standalone financial planning and indicated a move toward managing accounts on a non‑discretionary basis.

The firm builds individualized investment policy statements and may use model allocations to implement client plans, employing a mix of charting, fundamental, quantitative and technical analysis. Its stated strategies include long‑term trading, model portfolios, tactical and strategic asset allocation and the use of mutual funds, ETFs (including precious‑metal ETFs), TIPS, non‑U.S. securities and options when appropriate.

Noteworthy operational features disclosed in the brochure include a requirement that clients custody assets through specified providers (Charles Schwab Advisor Services and Altruist/Apex), acceptance of soft‑dollar research and related benefits from custodians, and a practice of not aggregating (block) trades for multiple client accounts. The brochure also discloses that a firm principal is a licensed insurance agent (creating potential conflicts of interest that the firm says it mitigates) and that fees are deducted directly from client custodial accounts with regular reporting.

Client services

Portfolio management Selection of other advisers

Expertise

Annuities Active portfolio management

Fee options

Percentage

$0 - $1,999,999: 1.50% $2,000,000+: 1.00%

Main office location

Inception Financial Services

3420 Bristol St. Ste 600

Costa Mesa CA 92626, United States

Number of offices

Most active in

California · Colorado · Ohio · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

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

Form ADV Part 2: Client Brochure

Quick links

Facebook Website (310) 993-6902

Advisors at this firm

Edward S

Series 65

Costa Mesa, CA

Inception Financial Services

Edward Schuh is a financial advisor at Inception Financial Services with eight years of industry experience. He holds a Series 65 designation and has worked at Inception Financial Services and AlphaStar Capital Management, LLC. He is also an independent licensed insurance agent. Inception Financial Services provides discretionary portfolio management and standalone financial planning to individuals, high-net-worth individuals, and business entities, employing a combination of strategic and tactical asset allocation with long-term trading and various analytical approaches.

Annuities Active portfolio management

Timothy A

Series 65

New Carlisle, OH

Inception Financial Services

Timothy Adams is a financial advisor at Inception Financial Services with four years of industry experience. He holds a Series 65 designation and has worked at Wealth Watch Advisor and Imagine 320 Inc, where he provides accounting and tax services alongside offering insurance products. Outside of his advisory role, he offers life, health, and annuity insurance as an independent contractor and provides accounting and bookkeeping services through Imagine 320 Inc. Inception Financial Services offers discretionary portfolio management and financial planning to individuals, high-net-worth clients, and business entities. The firm employs a combination of strategic and tactical asset allocation, utilizing various analytical approaches and managing accounts primarily on a discretionary basis.

Annuities Active portfolio management

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