JMO Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides financial planning and portfolio management primarily for individual clients, delivering tailored written financial plans and ongoing investment oversight. It is a small independent adviser that reports managing about $7.97 million in assets for five clients and typically charges percentage-of-assets fees for investment management.
The firm’s investment process is built around asset allocation and fundamental security analysis, with portfolios that may include stocks, bonds, mutual funds and ETFs, and the firm monitors accounts monthly while meeting clients at least annually. It may recommend and place clients with third‑party advisers when appropriate, and it accommodates client‑imposed restrictions and both discretionary and non‑discretionary account arrangements.
Distinctive aspects include the principal’s concurrent roles as a licensed life and health insurance agent (about eight hours per week) and as a real estate broker (about ten hours per week), each of which can result in commission-based sales that the brochure discloses as potential conflicts of interest. The firm also discloses regulatory and legal history for its principal — including a FINRA suspension (January 2013–July 2014), settled arbitration claims, and a prior compromise with a creditor — matters that are uncommon among peer independent advisers and relevant for prospective clients to consider.
Client services
Expertise
Fee options
$1,000 to $5,000 fixed fee (Financial Planning)
1.50% annually (Portfolio Management Services)
$250 per hour (Financial Planning)
Account minimum: $100,000
Main office
2121 Palomar Airport Road, Suite 210
Carlsbad CA 92011
Advisors at this office
1
Most active in
California
Also doing business as
James M. O'brien, Inc. · Jmo Financial
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.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
-
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.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)