The Financial Team, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The Financial Team, Inc. provides financial planning, analysis and consulting, and third‑party investment management referral services to individuals, trusts, estates, small businesses, and retirement plans. The firm also offers educational seminars and workshops on an as‑announced basis; seminar content is general and provided free of charge and does not constitute individualized investment advice.
Rather than directly managing client assets, the firm operates primarily as a solicitor and planning adviser: it conducts due diligence on outside managers, helps clients select allocation models, and delivers non‑discretionary guidance while clients sign separate investment management agreements with referred managers. The portfolios recommended by referred managers are typically structured, long‑term, globally diversified allocations implemented with ETFs and institutional no‑load mutual funds, and the firm reported about $112 million in assets under advisement.
Distinctive features include the firm’s reliance on referrals rather than in‑house portfolio management and its receipt of solicitor compensation from some third‑party managers, including situations where those managers use performance‑based fee arrangements and share a portion of client fees with the firm. TFTI’s model also emphasizes continuous personal contact and offers zero‑fee, non‑managed custodial accounts as an accommodation, which differs from peers that more commonly provide direct portfolio management.
Client services
Expertise
Fee options
Fixed fees quoted for financial planning and consulting services based on estimated time
Certain associates receive commissions from insurance product sales; separate from advisory fees
Generally $375 per hour for financial planning, analysis, and consulting services; follow-on implementation billed at $300 per hour
Third-party referred managers may charge performance-based fees; TFTI itself does not directly charge performance fees but may receive a portion as solicitor fees
Minimum fee: No minimum fee per quarter per client relationship Fee-only: Financial planning and consulting services offered on hourly and fixed-fee basis; hourly rate generally $375; fixed fees quoted based on estimated hours at $375/hour
Main office
6790 Embarcadero Lane, Suite 100
Carlsbad CA 92011
Advisors at this office
2
Most active in
Arizona · California · Texas
Also doing business as
Tft Advisors, LLC · The Financial Team, 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 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
Quick links
Advisors at this firm
Nicholas G
CFP®, Series 63
Carlsbad, CA
The Financial Team, Inc.
Nicholas Gardner is a CFP® with 15 years of industry experience, currently serving at The Financial Team, Inc. He has previously worked at Great Point Capital, LLC and Jrl Capital Corporation. In addition to his advisory role, Gardner is a licensed insurance agent engaged in insurance sales. The Financial Team, Inc. provides financial planning, consulting, and third-party investment management referral services to individuals, trusts, estates, small businesses, and retirement plans. The firm focuses on non-discretionary guidance and relies on referrals to outside managers who implement globally diversified portfolios primarily using ETFs and no-load mutual funds.
Maureen V
CFP®, Series 63
Carlsbad, CA
The Financial Team, Inc.
Maureen Verduyn is a CFP® with 34 years of industry experience, currently serving at The Financial Team, Inc. in Carlsbad, CA. She has worked with Great Point Capital, LLC, Jrl Capital Corporation, and Independent Financial Group prior to her ongoing tenure at The Financial Team, Inc. since 1998. Verduyn is also a licensed California insurance agent. The Financial Team, Inc. provides financial planning, consulting, and third-party investment management referral services to individuals, trusts, estates, small businesses, institutions, and retirement plans. The firm acts as a solicitor connecting clients with independent managers, delivering advisory services on a non-discretionary basis and supporting client onboarding and profile development.
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