Turnbull Financial Services LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Turnbull Financial Services LLC is a California‑registered independent investment adviser that provides discretionary portfolio management to individuals, high‑net‑worth clients, trusts, and estates. The firm manages approximately $3.65 million across about 15 client relationships and typically implements portfolios using low‑cost mutual funds and exchange‑traded funds.
The adviser develops customized strategies through continuous personal client contact, establishing asset allocation and portfolio construction based on each client’s goals and risk tolerance; it employs both fundamental and technical analysis and generally favors long‑term holdings while permitting shorter‑term trades for rebalancing or cash needs. Portfolios are typically implemented on the Orion platform, and the firm may recommend unaffiliated independent managers on that platform while performing initial and ongoing oversight and due diligence.
Distinctive features include its small, solo‑practitioner scale paired with use of institutional platforms—Turnbull participates in Schwab Advisor Services and receives software and support benefits that the brochure discloses may create a custodial conflict of interest. The adviser also maintains a licensed insurance practice and may receive commissions for insurance products (spending less than 20% of business time on that activity), a separate‑business disclosure noted alongside a reported absence of disciplinary history.
Client services
Expertise
Fee options
Up to 1.00% annually, negotiable based on various factors
Insurance commissions earned by Mr. Turnbull as a licensed insurance professional, separate and in addition to advisory fees.
Account minimum: No minimum (Advisor generally does not impose a minimum relationship size; however, Orion and Independent Managers may impose minimum account sizes) Fee-only: Investment advisory fees charged; Advisor does not receive commissions or other compensation for securities transactions.
Main office
Encinitas CA
Advisors at this office
1
Most active in
California
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
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