Carbahal Olsen Financial Services Group LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$257,597,197
Total clients
237
21% high-net worth
Total advisors
2
of 3 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
119
Average account size
$1,086,908
About
Carbahal Olsen Financial Services Group provides comprehensive and limited financial planning and discretionary asset management to individuals (including high net worth clients), small businesses, and pension/profit-sharing plans. Its services include written financial plans, model-based portfolio management, a Fidelity-based annuity management program, and ongoing performance reporting.
The firm uses a Core/Satellite investment framework, emphasizing low-cost ETFs and diversified strategic allocations as the core with tactical satellite positions to target specific market sectors, guided by modern portfolio theory and macroeconomic analysis. COFS also offers custom accounts and specific model implementations for employer-sponsored retirement plans that rely on actively managed Fidelity mutual funds or annuity sub-accounts when appropriate.
What distinguishes COFS from many peers is its scale and business affiliations: the firm reports approximately $257.6 million in assets under management, a level uncommon for firms of its advisor count, and it is affiliated with an accounting practice whose principals refer clients—a relationship the brochure discloses as a material conflict of interest. It also relies on a single custodian platform for client accounts and discloses other ancillary activities (insurance licensing, issuer board service) that the firm says are managed through its policies and disclosures.
Client services
Expertise
Fee options
$250 - $1,500 per financial plan
$50,000 - $250,000: 1.00% – 1.75% $250,001 - $499,999: 0.85% – 1.60% $500,000 - $999,999: 0.65% – 1.40% $1,000,000 - $2,499,999: 0.40% – 1.15% $2,500,000+: Contact COFS for pricing
$75 - $350 per hour
Account minimum: $50,000 Fee-only: $75 - $350 per hour or $250 - $1,500 per fixed financial plan
Main office location
Carbahal Olsen Financial Services Group LLC
1107 Kennedy Place, Suite 3
Davis CA 95616-1273, United States
Number of offices
1
Most active in
California · Louisiana · New Hampshire
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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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.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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