Best Orange County Financial Advisors

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Orange County is one of California’s most iconic destinations, home to Disneyland, celebrated theme parks and manicured oceanfront towns framed by luxury yachts. There’s a lot to spend your money on — you could neglect to effectively secure your family’s future, prepare for retirement or invest your hard-earned money. Luckily, OC is home to some of the state’s top financial advisory firms — all prescreened with FINRA and SEC registrations.

Benzinga has sifted through hundreds of qualified financial advisors to bring you the best Orange County financial advisors.

Orange County Financial Advisors Near You:

  • Best for Customized Financial Planning Solutions: NWF Advisory Services
  • Best Robo-Advisor: M1 Finance
  • Best for Simple Solutions: SPC Financial
  • Best Mobile App: Betterment
  • Best for Retirement Planning: Orange Capital Management
  • Best Portfolio Analysis: Personal Capital
  • Best for Investment Services: Wescom Financial Services
  • Best for Institutional Consulting: Guardian Financial Partners

Best for Customized Financial Planning Solutions: NWF Advisory Services, Inc.

Since its inception in 1969, NWF Advisory Group has provided the tools to help you create multi-generational wealth and establish an enduring legacy. The firm offers assistance in various wealth management avenues from portfolio management, pension and 401(k) design to estate and tax planning.

NWF Advisory uses a comprehensive discovery process to understand your financial situation, goals, needs and limitations. After that, advisors leverage an investment methodology designed to match your objectives, time frame and risk tolerance.

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NWF ADVISORY SERVICES INC

NWF ADVISORY SERVICES INC

$1,059,362,518
  • A percentage of assets under your management
  • Hourly charges
  • Fixed fees (other than subscription fees)
None
25
3,015
Yes
65
8
  • Financial planning services
  • Pension consulting services
  • Selection of other advisers (including private fund managers)
  • Educational seminars/workshops
Address

11835 W OLYMPIC BLVD STE 1155 E. LOS ANGELES CA, 90064

Phone number

310-475-5854

Best For
Customizable Robo Investing

Best Robo-Advisor: M1 Finance

M1 Finance combines next-generation, intelligent financial planning tools with powerful digital technology to help you achieve your personal finance objectives seamlessly. The firm boasts excellent customization and automation capabilities and tools, as well as the ability to buy fractional shares for a diversified portfolio. With M1 Invest, Borrow and Spend, there are numerous options for how you can manage your money.  

Investing with M1 lets you borrow against your portfolio. You can take out a loan of up to 35% of your portfolio if you have $25,000 or more. M1 Spend helps you more efficiently manage your cash, and you can earn interest on the cash you put in your checking account. M1 charges a $125 annual fee and lets you access a line of prebuilt portfolios.

Best for Simple Solutions: SPC Financial

SPC Financial seeks to provide simple solutions to any complex financial problems, on a human level. With close to $806.5 million assets under management (AUM), the firm has not only assisted more than 2,000 families but also shared its financial wisdom and experience with diverse clients, including foundations, CEOs, attorneys, private business groups and entrepreneurs, among others. The firm leverages a 5-step financial planning strategy: discover, analyze, develop, implement and monitor.

Its investment programs are specifically designed to aid in addressing your financial needs while empowering you with the right knowledge. Its Finance on a Human Level® planning program will guide you on various levels of financial interest while incorporating all tax and estate provisions into your financial framework.

SPC Financial advisors continuously monitor investment portfolios and make changes or recommendations when the market conditions warrant. Besides, most advisors are also insurance licensed and can help implement disability, life and long-term care insurance plans.

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SPC MANAGEMENT CO., INC.

SPC MANAGEMENT CO., INC.

$1,077,681,910
  • A percentage of assets under your management
  • Performance-based fees
None
8
N/A
No
74
Address

101 MISSION STREET SUITE 1900 SAN FRANCISCO CA, 94105

Phone number

415-477-8500

Best For
ETF Investors

Best Mobile App: Betterment

Betterment lets you manage your money on-the-go through its mobile app — available on Google Play and App Store. The firm’s pricing model is relatively straightforward. You can choose the Digital plan which requires no minimum account balance but charges an annual fee of 0.25% on your balance or $25 for every $10,000 invested. 

The Premium plan bundles all the benefits of the Digital plan with in-depth advice at an annual fee of 0.40% on your balance. You’ll need a $100,000 minimum balance to use this plan.

Betterment also offers in-depth advice on investments outside its platform, including creating plans for managing your individual stocks, real estate and 401(k). Save more and earn better through its high-yield Cash Reserve account that helps you earn up to 0.40% annual percentage yield. 

For every financial goal you set, Betterment recommends a specific portfolio strategy built of low-cost ETFs, designed to maximize returns while hedging risks. You may choose from additional portfolio strategies if you have specific interests.

Best for Retirement Planning: Orange Capital Management, Inc

Orange Capital Management started as a wealth management firm in 1990 and has been — for 3 decades — a dependable Southern California firm, currently with over $500 million AUM. This firm creates personalized strategies for clients, allowing them to maintain their lifestyle, keep pace with inflation and properly calculate their risks as they secure retirement income.

The financial planners at Orange Capital will develop a customized, personal Advanced Time Segmentation Strategy™ that incorporates various estate planning tools to match your unique retirement needs. They will then address the 13 wealth management principles the firm identifies as essential. 

The firm has also built a mobile app that lets you stay in touch on the go. It charges the financial planning fee hourly rate of $25 to $500, a flat fee ranging between $200-$500, a percentage of the client’s assets (maximum 1%) or a combination of any of the above. 

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ORANGE CAPITAL MANAGEMENT, INC.

ORANGE CAPITAL MANAGEMENT, INC.

$0
  • A percentage of assets under your management
  • Hourly charges
  • Fixed fees (other than subscription fees)
None
9
N/A
No
84
  • Selection of other advisers (including private fund managers)
Address

333 SOUTH ANITA DRIVE SUITE 700 ORANGE CA, 92868-3320

Phone number

714-634-8051

Best For
High Net Worth Individuals

Best Portfolio Analysis: Personal Capital

Personal Capital combines experienced fiduciary advisors, award-winning technology and a suite of financial tools to transform your financial future. Portfolio analysis is also a breeze, thanks to the firm’s dashboard that lets you track your savings and cash flow, monitor your investments and review your net worth.

In its wealth management branch, Personal Capital uses its Smart Weighting™ approach — within U.S. equities — to improve on traditional indexing and give you an evenly weighted exposure to all sectors. The firm charges 0.89% of the first $1 million AUM. For assets beyond $3 million, the pricing structure ranges from 0.79% to 0.49%. You qualify for the firm’s wealth management services if you have $200,000 to $1 million in investable assets. Its financial advisors may routinely assist you with 401(k) allocations and financial planning for free.

Best for Investment Services: Wescom Financial Services

Wescom Financial Services, a subsidiary of Wescom Credit Union, offers comprehensive investment and portfolio management services to its clients. It is entrusted with more than 13,000 accounts and has over $1 billion AUM.

The firm offers managed account services, including exchange-traded funds (ETFs) and asset allocation to members who would like a comprehensive consulting process. Its financial advisors will also create a personalized retirement plan drawn from your overall financial picture. 

You can also access an array of interactive, easy-to-use financial calculators that can help you evaluate and plan your educational savings, retirement or investment goals. Interactive graphs and charts will help you monitor and visualize your progress. The firm receives an annual fee of up to 1.25% of a client’s AUM for its advisory services.  

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WESCOM FINANCIAL SERVICES, LLC

WESCOM FINANCIAL SERVICES, LLC

$137,003,203
  • A percentage of assets under your management
  • Other
$0
16
1,007
Yes
93
4
  • Selection of other advisers (including private fund managers)
Address

123 SO. MARENGO AVE PASADENA CA, 91101

Phone number

888-493-7266 EXT. 5104

Best for Institutional Consulting: Guardian Financial Partners

With more than 60 years of combined financial services experience, Guardian Financial Partners are dedicated to offering traditional consulting services to institutions. The firm currently manages $430 million institutional and $200 million individual assets, which are under the custody of Charles Schwab & Co.

Its True Financial Planning approach provides a plan unique to your financial needs. Financial advisors continually review all aspects of your balance sheet, revisit and adjust your plan as your financial future unfolds. The firm also offers Dynamic Risk Asset Allocation Management Sleeves, or DRAAMS, a flexible and customizable investment platform that allows for tax-efficient portfolio solutions. It charges a flat fee not exceeding $5,000 for financial planning and consulting services.

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GUARDIAN FINANCIAL PARTNERS, LLC

GUARDIAN FINANCIAL PARTNERS, LLC

$186,340,221
  • A percentage of assets under your management
  • Fixed fees (other than subscription fees)
$0
3
462
Yes
91
8
  • Financial planning services
  • Pension consulting services
  • Selection of other advisers (including private fund managers)
Address

635 E. CHAPMAN AVE. ORANGE CA, 92866

Phone number

949-771-2969

Frequently Asked Questions

Q

Can I talk to a financial advisor for free?

1
Can I talk to a financial advisor for free?
asked
A
1

Typically, your first consultation with a financial advisor is free. At this stage, the professional wants to better understand your financial needs and objectives in order to craft the right strategy moving forward. Use your initial meeting to inquire about their fee structure and whether they are fiduciaries.

answered
Q

Do financial advisors check your credit?

1
Do financial advisors check your credit?
asked
A
1

Financial advisors won’t pull your credit report. However, you may request a credit check to assess your creditworthiness as part of your overall financial plan.

answered
Q

Do I need a financial advisor for retirement?

1
Do I need a financial advisor for retirement?
asked
A
1

Retirement planning is one of the major decisions you’ll have to make as you approach the golden age. Obviously, you’ll need a financial advisor to guide you through this maze, especially if the decision will impact your retirement (not to mention proper asset allocation). Besides, you probably won’t be as objective with your own money as a financial advisor would. Safeguard your future by hiring a financial advisor.

answered

Get the Best Orange County Financial Advisor

Whether you’re planning a college fund or eyeing retirement, a financial planner can lend a helping hand as you seek to make the most of your income. There’s no one-fits-all financial professional — be sure to evaluate financial planners against your concerns, financial needs and goals. It’s never too late to seek professional help with your finances. 

Methodology

To determine the top financial advisors in Orange County, California, we pored through all SEC-registered advisory firms who have an office in Orange County. We winnowed the list by only including advisors who are registered fiduciaries, have no past disclosures and have minimal personal conflicts of interest. To further break down the list to the true top advisors in the area, we gave weight to advisors that offer both investment management and planning, have no conflicts of interest, have offices in multiple states, have a wrap fee program and over $50 million in assets under management.