Service One Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Service One Financial is a small registered investment adviser that serves individuals, high‑net‑worth clients, pension and profit‑sharing plans, trusts, estates, charitable organizations, corporations and other business entities. The firm provides non‑discretionary portfolio management (wrap and non‑wrap accounts), financial planning and consulting, and offers pension/401(k) plan services through an affiliated benefits business.
The firm delivers custom, non‑discretionary investment advice and ongoing monitoring, recommending a broad range of vehicles — including stocks, ETFs, mutual funds, hedge funds, private equity and managed futures — with mutual fund selections guided by manager experience, style and independent risk ratings. It generally charges percentage‑of‑AUM advisory fees and arranges custody and trade execution through third‑party custodians while seeking client approval before implementing trades.
Compared with peers, the firm combines several uncommon activities for its size: the principal is a licensed real estate broker and a licensed insurance agent who may recommend commissionable insurance products and real estate investments to clients (outside activities that account for roughly 30% of firm time, as disclosed). The firm also sponsors a wrap‑fee program and provides pension consulting and institutional/401(k) services — an atypical mix for a small, primarily non‑discretionary advisory practice and a point the brochure flags as a potential conflict of interest.
Client services
Expertise
Fee options
Fixed fees ranging from $500 to $5,000 for financial planning services
0.5% to 2.0% annually, negotiable
Commissions may be earned by associated persons for sale of insurance products; no commissions earned on securities products.
$250 per hour
Main office
27131 Calle Arroyo, Suite 1722
San Juan Capistrano CA 92675
Advisors at this office
1
Most active in
California
Also doing business as
Gap Financial, Inc. · Service One Finance · Service One Financial
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.
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.
Is not active or affiliated with:
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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.
Forms ADV
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