San Diego, CA Office

Pandora Wealth provides discretionary portfolio management and financial planning to both individual clients — including high‑net‑worth households — and select business or institutional clients. Like many supported firms, it charges asset‑based fees and offers ongoing investment management alongside retirement rollover guidance and standalone financial planning arrangements.

The firm constructs customized, diversified portfolios using bonds, equities, ETFs, mutual funds, options, and other instruments, and relies on fundamental and cyclical analysis while retaining the flexibility to use derivatives, margin, tax‑loss harvesting, and alternative investments when suitable. Pandora Wealth explicitly tailors strategies for special situations (for example, low‑basis stock, legacy holdings, and concentrated positions) and supplements its services with estate‑planning document production through a relationship with Helios Integrated Planning.

Pandora Wealth is distinctive among peers as a self‑sponsored wrap fee program sponsor, meaning it bundles many advisory and recommended trading costs into a single wrap arrangement and may assume some non‑recommended transaction costs at its discretion. The firm also discloses a material custodial relationship with LPL Financial — including transition assistance in the form of a forgivable loan tied to an extended custodial commitment — and it does not accept proxy‑voting responsibility, leaving voting decisions to clients.