Fonte Financial Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$158,089,042
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
135
56% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
135
Very HighAverage account size
$1,171,030
About
Fonte Financial Advisors provides investment advisory and planning services to individuals (including high‑net‑worth clients), trusts, estates and retirement plan sponsors. Its offerings include discretionary asset management, comprehensive portfolio management that combines investment management with financial planning, standalone financial planning and retirement plan consulting, and the firm may engage third‑party managers to implement client strategies.
The firm uses a mix of analytical methods — fundamental, technical, quantitative and sector analysis — and pursues asset‑allocation, fixed‑income and long‑term purchase strategies with ongoing monitoring and periodic rebalancing. Portfolios are tailored to client goals and risk tolerance, and the adviser accommodates reasonable account restrictions while noting some limits on highly prescriptive constraints for manageability.
Fonte is notable as a small, supported advisory team operating across two offices while managing roughly $157 million in discretionary assets for about 135 clients, a concentration of AUM that is high for a single‑advisor model. The brochure discloses several distinctive features: principals have ownership interests in separate divorce financial‑planning and forensic‑accounting businesses, and the firm has a platform/subadvisory relationship with an AI‑driven manager that included a time‑limited promotional fee waiver contingent on asset thresholds, a potential conflict the firm discloses and addresses with client opt‑out options.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Options & derivatives strategies
Retirement plans for business owners (SEP, solo 401k)
Fee options
Flat fees for financial planning and consulting will not exceed $10,000
$0 - $500,000: 1.5% $500,000 - $2,000,000: 1.0% $2,000,000 - $5,000,000: 0.9% $5,000,000+: 0.7%
Maximum hourly fee to be charged will not exceed $325
Account minimum: $250,000 Fee-only: Hourly fees up to $325/hr; flat fees up to $10,000 for financial planning and consulting
Main office location
Fonte Financial Advisors
703 Palomar Airport Road, Suite 240
Carlsbad CA 92011, United States
Number of offices
2
Most active in
Fonte Financial Advisors has reported serving >5 clients in these states in the last 12 months.
Arizona · California · Colorado · Florida · Texas
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 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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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