San Clemente, CA Office

Trek Financial serves individual and high‑net‑worth clients as well as institutional retirement plans, providing discretionary and non‑discretionary asset management, financial planning, and retirement‑plan fiduciary and non‑fiduciary services. Like many multi‑team advisors, it charges asset‑based advisory fees and offers ongoing portfolio management and planning support through a network of adviser representatives.

The firm blends strategic and tactical approaches, using forward‑looking portfolio construction and a mix of rules‑based, evidence‑based models alongside fundamental and technical analysis; it discloses the use of artificial‑intelligence tools for research, client communication drafting, and portfolio processes under written AI governance and human review. Trek offers direct indexing with tax‑loss harvesting for taxable accounts and integrates third‑party signal providers and quantitative models into its model management and monitoring framework.

What is distinctive is the breadth and specificity of its model and alternative offerings — from multiple NDR, MacroQuant, Viking, BCM and Bulwark systematic strategies to PIMCO and State Street models — plus a suite of options‑based overlays and four different concentrated‑stock hedging approaches (including “black‑swan” hedges, spreads, collars, and covered calls). The firm also provides access to alternative‑investment platforms through CAIS and iCapital, lists structured‑note and direct‑indexing capabilities, and identifies specific custodial relationships (including recommending Gemini for digital assets), while adviser representatives have discretion to negotiate or waive fees within firm parameters.