Valencia, CA Office

The firm advises individuals (including high-net-worth clients), trusts, estates, businesses, pension and profit-sharing plans, and broker‑dealers. It offers wealth management and portfolio management (discretionary and non‑discretionary), financial planning, retirement plan advisory, and limited consulting services for brokerage clients.

The firm’s investment approach is primarily long‑term and portfolio construction emphasizes low‑cost, diversified mutual funds and ETFs with institutional share classes when available, while retaining flexibility to use individual stocks, bonds, options, structured products, private investments, and margin where appropriate. It conducts ongoing client contact and due diligence, may recommend unaffiliated independent managers or third‑party access platforms, and monitors accounts on a regular basis.

Distinctive disclosures in the brochure note that the firm sponsors a wrap fee program that bundles securities transaction costs into its advisory fee (see Appendix 1) and maintains an institutional relationship with Charles Schwab. The firm also documents use of borrowing and pledged‑asset lines (including introductions to TriState Capital Bank and a Schwab Pledged Asset Line), the potential use of derivatives such as options and margin in client accounts, and that it may compensate promoters for client referrals under Rule 206(4)-1 and provide consulting to Mutual Securities’ brokerage clients.