Pacific Wealth Advisory Services LLC

The firm provides discretionary portfolio management to individual and high-net-worth clients, producing individualized Investment Policy Statements and conducting ongoing portfolio monitoring across a broad set of vehicles. It reports approximately $96 million in assets under management, no account minimums, and an unusually high client load relative to peers — roughly 223 clients for the adviser team.

Investment decisions draw on fundamental, technical, and cyclical analysis and employ both long-term and short-term trading; the firm primarily recommends mutual funds but also uses ETFs (including precious-metal sector ETFs), REITs, private placements, commodities, treasury inflation-protected bonds, and annuities when appropriate. Clients grant discretionary authority for trading, the firm documents risk tolerance in IPSs, and it recommends a specific custodian while disclosing potential receipt of research or other soft-dollar benefits.

Notable features include the firm’s recent formation and a high client-to-advisor ratio that is uncommon for its peer group, alongside disclosed non-advisory activities by the principal as a licensed insurance agent (with associated conflicts described and reviewed) and a pending civil lawsuit alleging breach of fiduciary duty that the firm is defending. Other operational distinctions include not participating in wrap programs, not aggregating block trades for multiple clients, and formal policies intended to allocate investment opportunities fairly across client accounts.