O'Neill Financial Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$69,957,656
Clients
127
Advisors
3
of 3 employees
About
O’Neill Financial Management provides investment advisory and financial planning services to individual and high‑net‑worth clients, as well as employer retirement plans and other business clients. Its offerings include comprehensive portfolio management, a mutual‑fund‑only American Funds program, and retirement plan consulting, with implementation available through third‑party independent money managers.
The firm’s investment approach is rooted in Modern Portfolio Theory and a buy‑and‑hold philosophy, emphasizing broadly diversified, mainly passive mutual funds and ETFs (including regular use of Dimensional Fund Advisors funds) and employing Monte Carlo analysis for planning. Portfolios are monitored and rebalanced periodically, but investment decisions are implemented primarily on a non‑discretionary basis and often via model portfolios provided by Focus Partners Advisor Solutions and independent managers.
A distinguishing feature is that a firm principal is a Certified Public Accountant and the firm offers tax preparation and accounting services under separate engagement agreements, a service line that is uncommon among peers and is disclosed as separate from advisory services. The firm manages about $86.7 million for roughly 127 clients with a three‑advisor team and explicitly does not accept discretionary trading authority, both of which set it apart from many other supported firms.
Client services
Expertise
Fee options
$0 - $999,999: 0.83% $1,000,000 - $2,999,999: 0.79% $3,000,000 - $4,999,999: 0.75% $5,000,000 - $9,999,999: 0.70% $10,000,000+: 0.50%
Fee-only: Comprehensive Portfolio Management: up to 1.60% annually; American Funds Service: 1.00% annually; Retirement Plan Consulting: tiered fees as above
Main office
23201 Lake Center Drive, Suite 215
Lake Forest CA 92630
Advisors at this office
3
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 active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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
Advisors at this firm
John O
Series 63, Series 65
Lake Forest, CA
O'Neill Financial Management, Inc.
John Oneill Jr. is a financial advisor with O'Neill Financial Management, Inc. in Lake Forest, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with O'Neill Financial Management since 2016. O'Neill Financial Management provides investment advisory and financial planning services to individual and high-net-worth clients, employer retirement plans, and other business clients. The firm emphasizes a Modern Portfolio Theory and buy-and-hold investment approach, focusing on broadly diversified, mainly passive mutual funds and ETFs, with portfolios managed primarily on a non-discretionary basis.
Yvonne O
Series 63, Series 65
Lake Forest, CA
O'Neill Financial Management, Inc.
Yvonne Oneill is a financial advisor with O’Neill Financial Management, Inc. in Lake Forest, CA, holding Series 63 and Series 65 licenses and with 27 years of industry experience. She has worked at O’Neill Financial Management since 2016 and serves on the board and finance and audit committee of The Wooden Floor, a nonprofit organization. Additionally, she is a council member at St. Kilian Catholic Church. O’Neill Financial Management provides investment advisory and financial planning services to individual and high-net-worth clients, employer retirement plans, and business clients. The firm employs a buy-and-hold investment strategy grounded in Modern Portfolio Theory, utilizing mainly passive mutual funds and ETFs, and offers tax and accounting services through a CPA principal under separate agreements.
John O
Series 63, Series 65
Lake Forest, CA
O'Neill Financial Management, Inc.
John O'Neill III is a financial advisor at O'Neill Financial Management, Inc. in Lake Forest, CA, with 16 years of industry experience. He holds Series 63 and Series 65 designations and has been with his current firm since 2016. O'Neill Financial Management provides investment advisory and financial planning services to individual and high-net-worth clients, employer retirement plans, and business clients. The firm employs a buy-and-hold investment approach based on Modern Portfolio Theory, emphasizing broadly diversified, mainly passive mutual funds and ETFs, and offers additional tax preparation and accounting services through a CPA principal.
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