Embarcadero Capital Advisors, Inc.

Embarcadero Capital Advisors serves individuals (including high‑net‑worth clients), trusts, estates, corporations and other business entities, providing portfolio management through its Advisor Managed Portfolios Wrap Fee Program, financial planning, retirement plan consulting, estate planning, and tax planning and preparation. The firm also offers periodic educational seminars and workshops to the public at no charge and employs IRS- and state‑licensed tax preparers who can prepare returns and represent clients before tax authorities.

The firm operates an open‑architecture model and tailors advice to each client’s circumstances, generally recommending long‑term allocations to stocks, bonds, mutual funds and, more recently, ETFs while retaining the ability to implement short‑term tactical strategies and to allocate to third‑party managers. Embarcadero uses both fundamental and technical analysis, may manage accounts on a discretionary basis within its wrap program, and integrates financial planning, tax and estate considerations into its investment process.

Distinctive features include acting as sponsor of a wrap fee program that covers all managed accounts and maintaining legacy performance‑based fee arrangements for certain qualified clients, both of which are less common among peers. The firm’s Form ADV also discloses a disciplinary event for the firm and a principal, and its combination of retirement plan consulting, in‑house tax preparation/representation, and public educational programming is atypical for a firm of its size.