ESI Financial Services, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
45
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
45
HighAverage account size
$0
About
ESI Financial Services provides comprehensive financial planning, tax and investment advisory services to individuals, families and small businesses, including portfolio analysis, asset allocation, retirement and estate planning, income tax planning and tax return preparation. The firm works with trusts, estates and retirement plans and offers engagement options that include an ongoing retainer, limited-scope projects, and hourly consultations.
The firm’s investment approach emphasizes functional asset allocation and a passive philosophy, primarily recommending no‑load index mutual funds, ETFs and individual fixed‑income securities with periodic rebalancing. It operates on a non‑discretionary basis, implementing transactions only with client approval, and bills clients via flat retainers, project fees or hourly rates rather than charging a percentage of assets under management.
Compared with many independent advisers, the firm integrates a licensed CPA’s tax practice into its advisory services, providing tax return preparation and income tax planning alongside investment advice. It also advises retirement plans (pension consulting) and maintains a small client roster with limited annual account reviews, while remaining strictly fee‑only, not accepting commissions, and not taking custody of client assets.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
General tax planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Flat annual fees for Open Retainer ($4,500 to $40,000) and flat fee for Project Retainer engagements (minimum $3,000)
$375 per hour
Minimum fee: Project Retainer minimum fee of $3,000 Fee-only: Flat annual fees ranging from $4,500 to $40,000 for Open Retainer engagements; $3,000 minimum for Project Retainer; Hourly fee of $375 per hour
Main office location
ESI Financial Services, Inc.
7837 La Mesa Blvd.
La Mesa CA 91942, United States
Number of offices
1
Most active in
ESI Financial Services, Inc. has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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:
-
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.
Forms ADV
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