Pacific Empire Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Pacific Empire Financial provides financial planning and advisory services to individuals and small businesses, with a stated emphasis on life insurance and fixed annuities. The firm does not manage client securities or maintain custody of assets; clients implement recommendations through their own brokers or custodians and receive periodic reviews.
The firm operates on a fee-only, hourly engagement model and does not charge performance-based fees or use discretionary portfolio management. Its advice is tailored to clients’ liquidity, tax, estate, and income-replacement needs, and it may review existing brokerage accounts without trading or holding those securities.
Notably, the firm’s principal is a licensed life insurance agent who devotes the practice to recommending life insurance and fixed annuity products, a combination that is uncommon among firms in this category. The firm also emphasizes hourly billing and explicitly discloses the potential for insurance-related financial incentives while describing suitability reviews intended to address conflicts.
Client services
Financial planning
Expertise
Life insurance needs analysis
Annuities
Fee options
$150 per hour
Fee-only: $150 per hour
Main office location
Pacific Empire Financial
Murrieta CA, United States
Number of offices
1
Most active in
Pacific Empire Financial 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:
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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
Quick links
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