Santa Cruz Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Santa Cruz Financial serves individual clients and offers investment advice, non‑discretionary portfolio management for publicly traded securities, and comprehensive financial planning. Financial planning is provided on an hourly basis and portfolio recommendations require client approval before execution.
The firm describes a long‑term, passive investment approach that emphasizes diversified allocations to large‑cap equities, dividend‑growth names, and high‑quality bonds while avoiding speculative or highly leveraged instruments. It seeks to minimize trading to reduce transaction costs and tax consequences and conducts regular account and plan reviews to monitor alignment with client goals.
Notable among peers, the brochure highlights the combination of hourly financial planning and individual portfolio management alongside a policy of not accepting commissions or third‑party economic benefits, which the firm frames as a way to limit conflicts of interest. The filing also notes the adviser is newly established, currently reports no assets under management, and maintains written policies such as a Code of Ethics and a business continuity plan.
Client services
Expertise
Fee options
Financial planning services charged at $100 per hour.
Account minimum: $10,000 Fee-only: Financial planning fees at $100 per hour, billed upon completion; no minimum hours required.
Main office
9681 Business Center Drive, Suite A
Rancho Cucamonga CA 91730
Advisors at this office
1
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 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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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.
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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
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