Contreras Financial, Inc.

Contreras Financial, Inc. provides discretionary portfolio management and financial planning to individuals, high‑net‑worth clients, and corporations or business entities. The firm also sponsors a wrap fee program, conducts periodic educational seminars and workshops, and offers pension consulting for pension and profit‑sharing plan clients.

Advisory services are tailored through written Investment Policy Statements and model allocations, with accounts monitored regularly and reviewed at least quarterly. The firm’s investment process blends fundamental and quantitative analysis with elements of modern portfolio theory, implementing portfolios that can include mutual funds, ETFs, equities, fixed income, annuities and select non‑U.S. securities using both long‑ and short‑term trading.

Noteworthy features include the firm’s role as a wrap program sponsor, its provision of pension consulting and plan services, and that supervised personnel are licensed to sell insurance products—a relationship the brochure discloses as a potential conflict of interest. The firm requires custody at Schwab Institutional, does not aggregate block trading for multiple client accounts, and operates with a relatively small client base and assets under management, which can affect execution practices and the adviser’s service model.