J
Joseph M. Sebo, CFP Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,967,855
Clients
1
100% 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
1
Very LowAverage account size
$1,967,855
About
The firm provides asset and portfolio management services primarily for high‑net‑worth individuals and a range of institutional clients, including corporate pension and profit‑sharing plans, foundations, endowments and municipalities. It also offers project‑based work such as fixed‑fee portfolio reviews and can manage discretionary accounts and subaccounts in variable annuities.
The firm’s investment process combines fundamental and technical analysis, uses paid research subscriptions and daily monitoring, and implements rebalancing on a scheduled basis. In volatile markets it may employ hedging tools — covered calls, inverse ETFs, stop‑loss orders — or increase cash exposure, and it limits crypto exposure to Bitcoin, Ethereum and XRP ETFs only.
Compared with many solo independent advisers, the firm’s explicit focus on institutional mandates while managing about $1.97 million in discretionary assets for a very small client base is atypical. The brochure also discloses that the firm refers clients to third‑party managers/platforms and receives a portion of those advisory fees as a solicitor, a potential conflict of interest it identifies.
Client services
Portfolio management
Selection of other advisers
Expertise
Active portfolio management
Tax-loss harvesting
Concentrated stock management
Fee options
Fixed-fee project-based services including existing portfolio reviews (specific amounts not stated)
1.65% annually or less, billed monthly in arrears (1/12 of 1.65% per month)
Account minimum: $5,000
Main office location
Joseph M. Sebo, CFP Inc.
1034 S. Myers St.
Oceanside CA 92054, United States
Number of offices
1
Most active in
Joseph M. Sebo, CFP 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 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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