Camacho Capital Planning Advisors LLC

Camacho Capital Planning Advisors is a single-advisor registered investment adviser that serves individuals (including high-net-worth individuals) and also provides services to pension and profit-sharing plans, charitable organizations, and corporations or business entities. The firm offers ongoing portfolio management and financial planning, preparing an Investment Policy Statement for each client and advising on mutual funds, ETFs, fixed income, and insurance/annuity products.

The brochure describes an investment approach grounded in Modern Portfolio Theory and long-term trading, with tailored asset allocation, periodic monitoring, and at least annual reviews of client accounts. It reports a larger amount of assets managed on a non-discretionary basis than discretionary (approximately $3.58M non-discretionary vs. $2.39M discretionary as of December 2025), states it does not exercise investment discretion, and requires clients to custody assets through a specified platform (Altruist).

Notable distinctions include a disclosed affiliation with an accounting firm and that the firm’s principal also acts as a licensed insurance agent, a combination the brochure says can create conflicts of interest when insurance or accounting-related services are recommended and is managed through disclosure and review. As a small, solo practice with about 22 clients and roughly $6.0 million in AUM, the firm also notes it does not participate in wrap fee programs, does not accept performance-based fees, and does not aggregate block trades for multiple client accounts.