Laguna Niguel, CA Office

Pacific Financial Planners provides portfolio management and financial planning to individuals (including high‑net‑worth clients), participants in pension and profit‑sharing plans, trusts, estates and charitable organizations, delivering services on both discretionary and non‑discretionary bases. The firm also offers investment consulting and access to insurance and annuity products through its insurance activities, and financial planning services are provided at no additional charge to managed‑account clients.

The firm follows a purpose‑based investing process that begins with a documented assessment of a client’s financial and tax situation to set objectives and constraints, then implements portfolios using individual equities, ETFs (including leveraged and inverse), mutual funds, U.S. Treasuries and corporate and municipal debt. Portfolio monitoring is continuous—individual holdings are reviewed daily—and most assets are managed on a discretionary basis while non‑discretionary arrangements are used in specific client situations.

What is distinctive in the brochure is the combination of RIA asset management with licensed insurance brokerage activity (the firm discloses a material portion of advisor time spent selling insurance) and the use of separate custodial or insurance‑carrier custody for insurance products to keep those platforms operationally distinct. The firm also routinely offers educational workshops (two to four times per month), distributes periodic newsletters, maintains a business continuity and succession plan involving a next‑generation licensed adviser, and reports approximately $26.6 million of assets managed on a non‑discretionary basis.