San Diego, CA Office

Modern Capital Advisors provides financial planning, discretionary and non‑discretionary asset management, and retirement plan consulting to a mix of individual (including high‑net‑worth) clients, pension and profit‑sharing plans, charities and corporations. The firm supports client relationships through individualized comprehensive or modular financial plans and ongoing portfolio supervision, and it facilitates implementation either directly or via referrals to third‑party money managers.

Investment approach centers on strategic asset allocation with a core‑and‑satellite framework that uses passive index ETFs and mutual funds as cores and selectively adds active managers or third‑party Strategists where appropriate. Representatives may implement strategies directly, place assets with approved TAMPs or third‑party managers (including SPM/Strategist models), and review accounts at least annually with more frequent monitoring when needed.

The brochure discloses several uncommon features for a firm of this size: MCA is a subsidiary of Topsail Acquisitions and has affiliated broker‑dealers (Modern Capital Securities, Inc. and Liberty Partners Financial Services, LLC) and an affiliated insurance agency (Liberty Partners Insurance Services, LLC), and some representatives act in those separate capacities, which can lead to dual compensation and potential conflicts of interest. The firm also documents solicitor arrangements, receipt of 12b‑1 and other custodial economic benefits (noting relationships with RBC Correspondent Services and Axos), and discusses real‑estate‑related investments and limited‑partnership interests as part of its investment menu and risk disclosures.