FullGuards Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$7,386,106
Clients
15
27% 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
15
TypicalAverage account size
$492,407
About
FullGuards Financial is an independent advisory firm that works primarily with individual clients and qualified retirement plans, offering financial planning, consulting, investment supervisory services, and retirement plan consulting. The firm also provides hourly consulting engagements and regularly conducts educational seminars and workshops that are presented on an “as announced” basis and offered at no charge.
The firm employs asset-allocation models (Conservative to Aggressive) and applies Modern Portfolio Theory along with fundamental, technical and cyclical analysis when designing portfolios; clients may impose constraints such as ESG preferences or elect tactical, security-specific strategies. According to its ADV, FullGuards oversees roughly $7.39 million in regulatory assets, with a larger portion managed on a non-discretionary basis (about $4.74 million non‑discretionary versus $2.65 million discretionary), and encourages annual financial planning reviews.
Distinctive aspects include the firm’s routine public educational programming and its stated plan to develop a proprietary financial technology application, both of which are not common among peers. The firm also facilitates access to third‑party managers and alternative asset solutions—including a partnership for alternative asset management that results in referral compensation—while the firm’s principal maintains insurance licensing for planning purposes but does not sell insurance products through the firm.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
General retirement planning
Wealth management
ESG / Sustainable investing
Private / alternative investments
Retirement plans for business owners (SEP, solo 401k)
Fee options
Financial planning fees typically range from $2,000 to $8,000 per year on a flat fee basis
$0 - $300,000: 1.20% $300,001 - $500,000: 1.10% $500,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.85% $3,000,001 - $5,000,000: 0.70% $5,000,001 - $10,000,000: 0.55% $10,000,000+: 0.40%
$250 per hour in 15-minute increments
Account minimum: $500 Fee-only: Financial planning fees typically range from $2,000 to $8,000 per year on a flat fee basis; Hourly consulting services charged at $250 per hour in 15-minute increments
Main office location
FullGuards Financial
340 Soquel Ave, Suite 110
Santa Cruz CA 95062, United States
Number of offices
1
Most active in
FullGuards Financial has reported serving >5 clients in these states in the last 12 months.
California · Oregon
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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
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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