O
Obel Financial Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,067,000
Clients
6
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
6
Very LowAverage account size
$177,833
About
The firm provides portfolio management, written financial planning and the selection and monitoring of third‑party investment advisers for individuals, high‑net‑worth clients, charitable organizations, pension plans and businesses; as a single‑advisor registered investment adviser it reports managing roughly $794,000 for five clients. Clients receive individualized plans and quarterly account statements from independent custodians rather than custody by the firm.
Investment management is primarily non‑discretionary: the firm applies a proprietary analysis system and individualized asset allocation process, and it contacts clients for trade authorization prior to execution, with periodic reviews and annual meetings to update goals. The firm also prepares written financial plans and may recommend unaffiliated third‑party advisers when a client’s circumstances or account size make that appropriate.
Noteworthy differences from many peers include the owner’s ongoing licensed activity as a life and health insurance agent (about 20 hours per week), which generates commission compensation for insurance sales and is disclosed as a potential conflict of interest. It is also uncommon for a one‑advisor independent RIA to serve institutional clients while operating primarily on a non‑discretionary basis and actively offering third‑party adviser selection and monitoring.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Product based advice
Expertise
Wealth management
Fee options
Financial planning fees range from $300 to $5,000 depending on complexity
2.35% annually (negotiable, can be lower)
Main office location
Obel Financial Advisors
425 N. El Camino Real, #313
San Mateo CA 94401, United States
Number of offices
1
Most active in
Obel Financial Advisors 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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")