Joseph M. Sebo, CFP Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides asset and portfolio management services primarily for high‑net‑worth individuals and a range of institutional clients, including corporate pension and profit‑sharing plans, foundations, endowments and municipalities. It also offers project‑based work such as fixed‑fee portfolio reviews and can manage discretionary accounts and subaccounts in variable annuities.
The firm’s investment process combines fundamental and technical analysis, uses paid research subscriptions and daily monitoring, and implements rebalancing on a scheduled basis. In volatile markets it may employ hedging tools — covered calls, inverse ETFs, stop‑loss orders — or increase cash exposure, and it limits crypto exposure to Bitcoin, Ethereum and XRP ETFs only.
Compared with many solo independent advisers, the firm’s explicit focus on institutional mandates while managing about $1.97 million in discretionary assets for a very small client base is atypical. The brochure also discloses that the firm refers clients to third‑party managers/platforms and receives a portion of those advisory fees as a solicitor, a potential conflict of interest it identifies.
Client services
Expertise
Fee options
Fixed-fee project-based services including existing portfolio reviews (specific amounts not stated)
1.65% annually or less, billed monthly in arrears (1/12 of 1.65% per month)
Account minimum: $5,000
Main office
Oceanside CA
Advisors at this office
1
Most active in
California
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.
Forms ADV
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