San Diego, CA Office

Torrey Pines Financial provides financial planning, consulting and portfolio management and assists clients by introducing them to third‑party asset managers. The firm’s brochure states it serves trusts, estates, retirement plan accounts and IRAs and reports it manages approximately $21 million in client assets on a nondiscretionary basis.

TPFI relies on fundamental analysis and Modern Portfolio Theory to design long‑term, asset‑allocation focused strategies and documents client objectives and risk tolerance in an Investment Policy Statement. The firm typically provides nondiscretionary advice and implements recommendations through mutual funds, ETFs, insurance products, or by directing clients to third‑party managers rather than exercising unilateral trading discretion.

What distinguishes TPFI in its disclosure is its role as an introducer to external money managers and its material insurance‑related activities: associated persons are licensed insurance agents, principals spend roughly half their time on insurance business, and the firm receives fee‑sharing and insurance commissions. The brochure highlights these referral and compensation arrangements and the resulting conflicts of interest, and notes the firm does not participate in wrap fee programs or accept proxy‑voting authority.