Pacific Wealth Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Pacific Wealth Advisors provides advisory and consulting services primarily to institutional and plan-level clients, including corporate pension and profit-sharing plans, plan sponsors, Taft-Hartley plans, foundations, endowments, and other institutions. The firm offers retirement consulting, investment and financial planning support, and periodic reporting rather than acting as a discretionary manager for individual retail accounts.
The firm’s process blends macro‑economic analysis (market trends, interest rates, sector performance) with client-specific inputs (goals, risk tolerance, time horizons) to set strategic allocations and make tactical adjustments as needed. Services are generally non‑discretionary and delivered on an engagement basis, with clients receiving custodial statements from third‑party custodians and the firm typically using hourly or fixed-fee arrangements for planning and consulting work.
Compared with many investment manager peers, the firm’s principal also operates in sales capacities uncommon for this category: acting as a registered representative of a broker‑dealer and as a licensed insurance agent, and offering securities and insurance products that can generate commissions. The firm emphasizes disclosure of these potential conflicts, and it highlights pension consulting and fee arrangements that rely more on hourly and fixed fees than on traditional percentage‑of‑AUM advisory billing.
Client services
Expertise
Occupation focus
Fee options
Financial planning flat fees generally range from $0 to $25,000, negotiated case-by-case.
Commission-based compensation possible through related activities as registered representative and insurance agent, but separate from advisory fees.
Financial planning: up to $400 per hour; Retirement consulting: up to $500 per hour.
Fee-only: Hourly fees up to $400/hour for financial planning; up to $500/hour for retirement consulting; Fixed/flat fees ranging from $0 to $25,000 for financial planning; Retirement consulting fees may be hourly, fixed, or percentage of plan assets up to 1.5%.
Main office
Campbell CA
Advisors at this office
1
Most active in
California
Also doing business as
Pacific Wealth Advisors · Pacific Wealth 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.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Forms ADV
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