Laguna Niguel Summit Wealth Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides personalized financial, retirement and insurance guidance to individuals, families, couples, small businesses, pension and non‑profit plans, with most clients described as mass‑affluent and some high‑net‑worth households. Services include one‑time, hourly, or ongoing subscription financial planning, insurance product recommendations, and referrals to institutional investment managers rather than direct in‑house portfolio management.
For investment implementation the firm acts as a solicitor for third‑party Turnkey Asset Management Programs (TAMPs), grouping available managers into Strategic, Tactical, and Hedge categories and applying due diligence that examines performance history, underlying costs, manager experience and assets under management. The firm limits its own discretion to execution timing (such as dollar‑cost averaging), conducts at least annual reviews of referred managers, and works with clients to define objectives, risk tolerance and any investment restrictions.
Noteworthy aspects include that the firm’s advisors are licensed insurance agents who may recommend fixed life and fixed‑indexed annuity products and receive customary commissions for such sales, a conflict that the brochure discloses and says will be managed consistent with fiduciary duties. The firm also offers free public educational seminars and a subscription‑based, dynamic planning service with a live client portal, and it relies primarily on TAMP referral arrangements and planning fees rather than charging traditional percentage‑of‑assets advisory fees.
Client services
Expertise
Fee options
Fixed financial planning fees ranging from $500 to $2,500 per plan
$5,000 - $250,000: 1.00% $5,000 - $250,000: up to 2.25%
Commissions received from sale of fixed insurance products such as fixed life, fixed annuities, and fixed indexed annuities.
Hourly planning rate up to $250 per hour
Ongoing financial planning subscription fee ranging from $29.99 to $199 per month
Account minimum: $5,000 Minimum fee: Minimum fixed financial planning fee is $500 per plan Fee-only: Financial planning fees on fixed fee, hourly fee, or subscription basis; no commissions on AUM fees; no sales charges from mutual funds or investment products.
Main office
Laguna Niguel CA
Advisors at this office
1
Most active in
California
Also doing business as
Laguna Niguel Summit Wealth Management, LLC · Lns
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.
Is not active or affiliated with:
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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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