Kobata Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Kobata Financial provides comprehensive and modular financial planning and general investment advice to a range of clients, including individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations, corporations and other business entities. The firm does not sponsor a wrap fee program and does not take physical custody of client assets or provide discretionary asset management.
Its analytical approach combines fundamental and technical security analysis with asset‑allocation principles rooted in Modern Portfolio Theory to produce written financial plans and targeted recommendations; the firm offers a free initial consultation and encourages at least annual plan reviews. Implementation is left to clients or may be assisted by the firm’s principal in his separate capacities with a broker‑dealer and insurance carriers.
Noteworthy disclosures in the brochure include the principal’s dual roles as an investment advisory representative and registered principal of a broker‑dealer and as a licensed insurance agent, relationships that can generate commissions and other conflicts of interest that the firm says it will disclose and manage. The firm’s planning engagement model relies on hourly or flat fees rather than percentage‑of‑assets or performance‑based compensation, and it directs clients to independent custodians for trade execution and account custody.
Client services
Expertise
Fee options
Flat fee ranging from $250 to $2500 based on complexity
$125 per hour
Fee-only: Hourly rate of $125 per hour or flat fee ranging between $250 and $2500, negotiable based on client complexity
Main office
4555 El Camino Real Suite E
Atascadero CA 93422
Advisors at this office
1
Most active in
California
Also doing business as
Kobata Financial · Kobata, Nelson M.
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.
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.
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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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