Melo Out Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm offers investment management and financial planning services to individuals, high‑net‑worth families, and small businesses, including agricultural operations, and expresses particular interest in participants in employer‑sponsored plans that provide Self‑Directed Brokerage Accounts (SDBAs) and charitably minded clients. Services span discretionary and non‑discretionary portfolio management as well as coaching, consulting, comprehensive planning, and estate‑planning coordination.
The adviser’s investment approach emphasizes long‑term, index‑oriented strategic asset allocation implemented mainly with ETFs, mutual funds, bonds, and cash equivalents, with periodic monitoring and rebalancing and the potential inclusion of private or alternative investments when suitable. It also uses rules‑based tactical adjustments and, for qualifying clients, a disciplined incorporation of leveraged ETFs as part of a long‑term strategy, and manages accounts under discretionary authority when agreed.
Noteworthy distinctions include the firm’s explicit use of hourly billing for coaching and consulting engagements—an uncommon fee practice for firms categorized as investment managers—and a menu of flat project and ongoing planning packages that include a “primary financial coordinator” option. The firm is newly formed and reported no assets under management as of its August 2025 filing, and it engages third‑party estate‑planning scrivener services for client estate work, which may be relevant to clients seeking coordinated plan implementation.
Client services
Expertise
Occupation focus
Fee options
Coaching services flat fee: $500–$3,000; Consulting services flat fee: $1,000–$6,000; One-time comprehensive planning: $500–$6,000; Ongoing comprehensive planning annual fee: $2,000–$12,000; Primary financial coordinator annual fee: $6,000–$24,000; Estate planning initial fee: $2,500–$6,000; Estate plan reviews: $500–$750
$0 - $500,000: 1.00% (flat breakpoint schedule) $500,001 - $1,000,000: 0.80% (flat breakpoint schedule) $1,000,001 - $2,500,000: 0.60% (flat breakpoint schedule) $2,500,001+: 0.40% (flat breakpoint schedule)
Coaching services: $100-$150/hour; Consulting services: $200-$250/hour
Minimum fee: $500 minimum annual fee for investment management services on accounts under $50,000 Fee-only: Investment management fees are fee-only; no commissions or referral fees received.
Main office
1649 Fruit Avenue
Patterson CA 95363
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:
-
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.
-
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.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
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”)