The Financial Coaching Group, Inc.
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About
The Financial Coaching Group, Inc. serves primarily individual clients — including high‑net‑worth households — and also works with businesses, charities and small pension plans. Its services include financial planning (written plans and consultations), ongoing portfolio management, and recommendations or referrals to third‑party money managers.
The firm’s investment approach emphasizes fundamental security analysis and generally conservative, low‑turnover portfolios tailored to each client’s goals and risk tolerance. Portfolios are routinely monitored and rebalanced, and the firm frequently recommends and oversees third‑party money managers, including managers that invest in alternative investments.
Notably, the majority of the firm’s assets are managed on a non‑discretionary basis ($23,793,440 non‑discretionary versus $4,195,659 discretionary as of 12/31/2025), which is uncommon among peers. Representatives are also licensed insurance agents who may sell commission‑based insurance products separate from advisory fees, and the firm discloses that it shares fees with recommended third‑party money managers, creating a potential conflict of interest.
Client services
Expertise
Fee options
Written financial plans range from $200 to $2,000 depending on complexity
Insurance commissions are earned by licensed insurance agents affiliated with the firm; separate and in addition to advisory fees
Up to $250/hour for financial planning consultations
Account minimum: $100,000 Fee-only: Financial planning fees: up to $250/hour; Written financial plan fees: $200 to $2,000 depending on complexity
Main office
23332 Mill Creek Drive, Suite 105
Laguna Hills CA 92653
Advisors at this office
2
Most active in
California
Also doing business as
Stokes, Michael Lewis · Stokes, Michael, Lewis · The Financial Coaching Group · The Financial Coaching Group, Inc.
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:
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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
Quick links
Advisors at this firm
Arlene S
Series 65
Laguna Hills, CA
The Financial Coaching Group, Inc.
Arlene Stokes is a Series 65-licensed financial advisor with nine years of industry experience, currently practicing at The Financial Coaching Group, Inc. in Laguna Hills, CA. She has been with The Financial Coaching Group and its predecessor entities since 2009 and also has experience with Innovative Retirement Solutions & Insurance Services since 2008. The Financial Coaching Group, Inc. serves individual clients, including some high-net-worth households, as well as businesses, charities, and small pension plans. The firm provides financial planning, individualized portfolio management, and assistance with selecting and monitoring third-party money managers, focusing on tailored advice and generally conservative, low-turnover portfolios.
Michael S
Series 65
Laguna Hills, CA
The Financial Coaching Group, Inc.
Michael Stokes is a financial advisor with The Financial Coaching Group, Inc. He holds a Series 65 designation and has 17 years of industry experience. In addition to his advisory role, he is president and owner of Innovative Retirement Solutions & Insurance Services, where he provides insurance and annuity advice related to retirement planning, liability management, and estate planning. The Financial Coaching Group, Inc. serves individual clients, including some high-net-worth households, as well as businesses, charities, and small pension plans. The firm offers financial planning and individualized portfolio management with a focus on conservative, low-turnover portfolios and works primarily on a non-discretionary basis while recommending outside money managers.
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