Palomar Advisors Inc.

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Client assets under management

$45,866,829

Clients

50% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$1,764,109

About

Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals (including high-net-worth clients), pension and profit-sharing plans, charitable organizations and corporations. The firm highlights services for sponsored retirement plans, including plan design, fiduciary support, benchmarking and participant education, and it advises on rollovers and IRA arrangements.

Portfolios are tailored to clients’ stated goals and risk tolerance and are actively managed across a broad set of securities (individual stocks and bonds, mutual funds, closed-end funds, ETFs and fixed income), with ongoing review and rebalancing. For retirement accounts the firm acknowledges and operates under ERISA/IRC fiduciary standards for rollover advice and discloses the economic conflicts that can arise from such recommendations.

Palomar reports approximately $76 million in discretionary assets under management with four advisors serving 28 clients, a concentration that suggests relatively large, relationship-driven engagements rather than many small retail accounts. The brochure also discloses that some personnel are licensed insurance agents and the firm is under common control with an insurance agency, and that it pays solicitors for referrals—conflicts the firm says it discloses and manages.

Client services

Financial planning Portfolio management Pension consulting

Fee options

Fixed

Initial financial planning services: $1,000 to $5,000; Ongoing financial planning services: $250 to $1,000 per month

Percentage

$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.75% $3,000,001+: 0.50%

Other

Account minimum: $500,000

Main office location

Palomar Advisors Inc.

Temecula CA, United States

Number of offices

Most active in

California · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Real estate agent

They facilitate real estate transactions and may earn commissions.

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.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

X Website 760-417-5709

Advisors at this firm

John F

Series 63, Series 65

Temecula, CA

Palomar Advisors Inc.

John Fountain is a financial advisor with Palomar Advisors Inc. in Temecula, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Palomar Advisors since 2016 and also serves as President and CEO of Creative Wealth Group, where he oversees sales and operations of fixed insurance products. Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm offers tailored portfolios actively managed across a broad range of securities and emphasizes services for sponsored retirement plans, including fiduciary support and participant education.

Spencer C

Series 65

Temecula, CA

Palomar Advisors Inc.

Spencer Carlson is a financial advisor at Palomar Advisors Inc. with a Series 65 credential and experience in related fields dating back to 2011. His prior work includes roles at Bridgeway Benefit Technologies and BASYS, Inc. He is based in Temecula, CA. Palomar Advisors provides discretionary investment management, financial planning, and retirement-plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm actively manages portfolios tailored to clients’ goals and risk tolerance, with a focus on fiduciary standards and services for sponsored retirement plans.

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