Carpe Diem Financial Life Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,000,000
Clients
1
100% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
1
Very LowAverage account size
$2,000,000
About
Carpe Diem Financial Life Planning is a solo registered investment adviser serving individuals, high‑net‑worth individuals, and small businesses. The firm provides comprehensive financial planning across areas such as cash flow, retirement, tax, estate, and divorce consultation, delivers periodic educational workshops, and offers portfolio management services.
The adviser combines Modern Portfolio Theory with elements of Austrian Economic Theory, favoring long‑term, globally diversified, tax‑efficient portfolios and occasionally employing hedging consistent with its macroeconomic views. Portfolio management is conducted on a nondiscretionary basis, with clients required to pre‑approve investment decisions and the firm performing quarterly monitoring and at least annual reviews.
Noteworthy for a firm of its size, the adviser is an Enrolled Agent and operates an affiliated accounting/tax practice (Carpe Diem Tax Services SLV) that provides tax and accounting services under separate engagement agreements, a relationship that is disclosed as a potential conflict of interest. The firm typically charges a fixed retainer or hourly fees rather than percentage‑of‑AUM billing, and its nondiscretionary model means accounts are not aggregated for trade execution, which can affect transaction costs compared with discretionary, AUM‑priced peers.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
General tax planning
Cash flow / budgeting
Divorce financial planning
Fee options
Hourly financial planning fee of $150 per hour, billed in 10-minute increments.
Fixed retainer fee ranging from $500 to $10,000 per year, paid quarterly in advance.
Minimum fee: Fixed retainer fee ranging from $500 to $10,000 per year, paid quarterly in advance.
Main office location
Carpe Diem Financial Life Planning
Ben Lomond CA, United States
Number of offices
1
Most active in
Carpe Diem Financial Life Planning has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
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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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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