Sentient Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sentient Financial is a small, independent registered investment adviser that primarily serves individual and high-net-worth clients as well as small businesses, offering financial planning, ongoing portfolio management, investment consultation, and business-related financial advice. Like many solo independent firms, it combines modular and broad-based planning with asset-based portfolio management and may recommend institutional third‑party managers as part of client solutions.
The firm’s investment approach is grounded in Modern Portfolio Theory, using a blend of fundamental and technical analysis to construct diversified portfolios across domestic and international equities, fixed income and real estate, and may tilt portfolios toward particular market exposures when appropriate. Accounts are typically managed on a discretionary basis with written investment guidelines, periodic (generally quarterly) reviews, and the option to incorporate external managers after due diligence.
What distinguishes the firm from many peers is that the principal is also a licensed insurance agent appointed with multiple carriers and may receive commissions and renewal income from insurance and annuity transactions — a business activity that the firm discloses as a potential conflict of interest. The firm’s single‑adviser structure, modest asset base (roughly $17 million) and the adviser’s additional outside professional activities (including a separate role in academic publishing) are notable operational features that clients are informed about when engaging the firm.
Client services
Expertise
Fee options
$0 - $500,000: 1.00% annually $500,001 - $1,000,000: 0.80% annually $1,000,001 - $2,000,000: 0.60% annually $2,000,001 - $3,000,000: 0.45% annually $3,000,001 - $5,000,000: 0.35% annually $5,000,001+: 0.30% annually
$200 per hour for financial planning services
Fee-only: Financial planning charged at $200/hour, billed in 15-minute increments
Main office
28202 Cabot Road, Suite 300
Laguna Niguel CA 92677
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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
Quick links
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”)