California Financial Consulting LLC

The firm is a newly formed registered investment adviser that offers discretionary investment management, comprehensive wealth management, and financial planning to individuals and high‑net‑worth clients. As of the brochure’s effective date it reports one advisor, no clients, and zero assets under management.

The adviser employs fundamental analysis and a primarily long‑term, discretionary approach to portfolio construction, emphasizing low‑cost, diversified mutual funds and ETFs with occasional use of individual stocks and bonds; accounts are monitored on a continuous basis with formal reviews at least annually. Fees are charged as a percentage of assets under management and the firm typically directs custody and trade execution through an institutional custodian relationship.

A distinctive feature disclosed in the brochure is that the firm’s principal is a licensed insurance professional who implements insurance recommendations and may receive commission compensation separate from advisory fees, a dual role the firm identifies as a potential conflict of interest. The firm also notes the principal’s prior private‑client banking experience and ChFC credential, has no disciplinary history, and spends approximately half of his professional time on insurance activities while building the advisory practice.