Pacific Pension Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Pacific Pension Advisors provides retirement-focused advisory services to individuals, families, and employer-sponsored plans. Its offerings include comprehensive financial and retirement planning, pension/ERISA consulting for qualified plans, and assistance with insurance products and the selection of investment managers.
The firm generally relies on third‑party managers to implement and custody investment portfolios, acting as a liaison to monitor manager performance and deliver ongoing reporting while the TPMs handle billing and execution. It delivers tailored financial plans coordinated with clients’ tax and legal advisors and conducts public educational webinars, seminars and workshops meant to inform plan sponsors and individual investors.
Notable aspects of the firm include an affiliated insurance practice through which the firm’s principal offers and sells insurance products (receiving commissions), and referral arrangements with third‑party managers that provide ongoing portions of advisory fees; both relationships are disclosed as potential conflicts of interest. The brochure also emphasizes the firm’s capacity to serve as an ERISA 3(21) advisor or a discretionary 3(38) investment manager for retirement plans and the use of flat, fixed-fee planning options, with documented conflict‑mitigation procedures and fiduciary disclosures.
Client services
Expertise
Occupation focus
Fee options
Financial planning fees: $1,200 for individuals, $1,600 for couples; Estate Conservation Planning fees from $2,500 to $7,500, negotiable and may be waived
$0+: GI Strategic Portfolios: 2.00% annually (1.00% to GI and 1.00% to PPA) $0+: GI Tactical Portfolios: 1.80% annually (0.80% to GI and 1.00% to PPA) $0+: GI Allocation & Defined Outcome Portfolios: 1.70% annually (0.80% to GI and 0.90% to PPA) $0+: GI Preservation Portfolios: 1.00% annually (0.40% to GI and 0.60% to PPA) $0 - $2,500,000: ERISA Plan Services (3(38) AIFA): 0.50% annually $2,500,001 - $5,000,000: ERISA Plan Services (3(38) AIFA): 0.40% annually $5,000,001 - $10,000,000: ERISA Plan Services (3(38) AIFA): 0.30% annually $10,000,001 - $25,000,000: ERISA Plan Services (3(38) AIFA): 0.25% annually $25,000,001 - $50,000,000: ERISA Plan Services (3(38) AIFA): 0.20% annually $50,000,001+: ERISA Plan Services (3(38) AIFA): Negotiable
Insurance product commissions received by Charles Klumpp (sole owner/representative)
Minimum fee: $1,200 for individuals and $1,600 for couples for basic retirement planning option; Estate Conservation Planning fees range from $2,500 to $7,500, negotiable and may be waived Fee-only: Fixed flat fee for financial planning ($1,200 individual, $1,600 couples) and Estate Conservation Planning ($2,500-$7,500, negotiable)
Main office
27201 Puerta Real, Suite 300
Mission Viejo CA 92691-8590
Advisors at this office
1
Most active in
California
Also doing business as
Pacific Financial Advisors · Pacific Pension Advisors · Pacific Pension Advisors LLC
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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
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”)