FullGuards Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$7,386,106
Total clients
15
27% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
15
Average account size
$492,407
About
FullGuards Financial provides advisory services to individuals, qualified retirement plans, and nonprofit entities. Its service offering includes financial planning and consulting (one‑time and ongoing), investment supervisory services (both discretionary and non‑discretionary), retirement plan consulting, and facilitation of third‑party money managers and fee‑based annuity options.
The firm constructs portfolios using asset allocation models informed by Modern Portfolio Theory and employs fundamental, technical, and cyclical analysis across Conservative-to‑Aggressive risk profiles. Clients can impose investment constraints (including ESG preferences) and choose discretionary or non‑discretionary arrangements, while financial planning engagements yield written deliverables and a follow‑up review within 30 days.
Noteworthy differences from many peers include the firm’s materially larger non‑discretionary asset base — the brochure reports $10,987,726.06 in non‑discretionary assets versus $2,410,759.64 in discretionary assets at the prior fiscal year‑end — and a practice of offering free educational seminars and workshops on an as‑announced basis. The firm also facilitates access to alternative buffered‑index products through a third‑party manager, discloses compensation arrangements for that relationship, and is developing a proprietary financial planning application.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Income planning
Retirement income strategy
Wealth management
ESG / Sustainable investing
Retirement plans for business owners (SEP, solo 401k)
Occupation focus
Founder/Business Owner
Executive
Demographic focus
Mid-Career Professionals
Fee options
Financial planning fees typically range from $2,000 to $8,000 per year on a flat fee basis
$0 - $300,000: 1.20% $300,001 - $500,000: 1.10% $500,001 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.85% $3,000,001 - $5,000,000: 0.70% $5,000,001 - $10,000,000: 0.55% $10,000,001+: 0.40%
$250 per hour in 15-minute increments
Account minimum: $500 Fee-only: Financial planning fees typically range from $2,000 to $8,000 per year on a flat fee basis; hourly consulting fee is $250 per hour in 15-minute increments.
Main office location
FullGuards Financial
340 Soquel Ave, Suite 110
Santa Cruz CA 95062, United States
Number of offices
1
Most active in
FullGuards Financial has reported serving >5 clients in these states in the last 12 months.
California · Oregon
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.
Forms ADV
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