Cardiff Park Advisors

Cardiff Park Advisors provides integrated wealth management and financial planning to high-net-worth individuals, multigenerational families, trusts, foundations, and select foreign nationals and expatriates, typically with portfolios of $3 million or more. Core services described in the brochure include comprehensive financial planning, portfolio construction and oversight, cash management, tax-aware rebalancing, and selectively billed projects such as fixed income ladder construction and restricted stock liquidation.

The firm emphasizes an evidence-based, diversified investment approach using low-cost index funds, ETFs, and factor-aware managers (including Dimensional and Avantis), with attention to tax-efficient implementation and coordinated cash-flow planning. Portfolios are managed on a non-discretionary basis—clients retain final investment authority—and the firm bills through a fixed annual retainer with quarterly invoicing rather than a percentage-of-AUM fee.

Cardiff Park is notable within its multi-team peer group for operating with a single primary advisor while reporting approximately $2.95 billion in client assets managed non-discretionarily and serving an unusually high client load (358 clients), an uncommon staffing-to-client ratio for firms in this category. Its compensation and operational choices—fixed retainers, separate billing for complex engagements, an explicit refusal of commissions or third-party compensation, the reclassification of fixed income management to non-discretionary, and a transition to quarterly default reporting—further distinguish it from many peers.