Insight Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Insight Financial Advisors provides personalized financial planning services to individuals, business owners, trusts, estates, charitable organizations, and retirement plans. The firm commonly serves high‑net‑worth clients while also working with entity and trust clients.
IFA emphasizes comprehensive financial planning delivered as one‑time or ongoing engagements, using fundamental, technical and cyclical analysis and computer modeling where appropriate; the firm does not generally provide discretionary portfolio management or custody client assets. Clients receive written plans and periodic reviews, and fee arrangements are generally fixed or hourly rather than percentage‑of‑assets‑under‑management.
A notable distinction is that both advisors are also registered representatives of Cambridge Investment Research and are licensed to sell insurance, and the brochure discloses they may receive commissions, 12b‑1/trail fees and participate in an equity participation plan with Cambridge—arrangements the firm identifies as potential conflicts of interest. The advisors’ dual registration also creates regulatory constraints on where commission‑based transactions may be executed, and the firm does not take proxy‑voting or discretionary authority for client accounts.
Client services
Expertise
Occupation focus
Fee options
Fixed fees range from $500 to $10,000 depending on services provided
Commissions from securities sales and insurance product sales; 12b-1 fees from mutual funds
Standard hourly rate is $600 per hour; rate may be negotiated but may not exceed $600 per hour
Fee-only: Hourly rate up to $600 per hour; Fixed fees ranging from $500 to $10,000; fixed fees may be negotiated and offset by other compensation
Main office
See office400 N. Tustin Ave., Suite 250
Santa Ana CA 92705
Advisors at this office
1
Offices (2)
Most active in
California · Florida
Also doing business as
Delgado, Wanda L. · Delgado, Wanda Lee · Hershberger Financial Services · Insight Financial Advisors · Wanda L. Delgado · Wanda L. Hershberger
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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
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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.
Forms ADV
Advisors at this firm
John C
CFP®, Series 63
Boynton Beach, FL
Insight Financial Advisors
John Calmes is a CFP®-certified financial advisor with 22 years of industry experience. He is affiliated with Cambridge Investment Research Advisors and Insight Financial Advisors, where he has worked since 2014. He also holds licenses as a life and health insurance agent. Cambridge Investment Research Advisors serves a diverse clientele including individual investors, retirement plans, and charitable organizations through a network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing various account platforms and third-party strategists.
Wanda D
CFP®, Series 63
Santa Ana, CA
Insight Financial Advisors
Wanda Delgado is a CFP®-designated financial advisor with Cambridge Investment Research Advisors, bringing 43 years of industry experience. She has been with Cambridge and its affiliated firms since 2009 and previously worked at Insight Financial Advisors, where she also serves as owner and principal. Outside of her advisory work, Delgado is a board member and treasurer for Help for Brain Injured Children. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations. The firm offers financial planning, portfolio management, and retirement plan advisory services through a large network of independent financial professionals using multiple account platforms and a range of investment strategies.
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