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Phase Line Financial

Updated today

Total assets under management

$17,437,362

Total clients

42

21% high-net worth

Total advisors

1

of 1 employees

Firm size

Independent

1 advisor

Average clients per advisor

42

Average account size

$415,175

About

Phase Line Financial is a solo, state‑registered independent investment adviser that provides discretionary portfolio management and financial planning to individuals, high‑net‑worth individuals, charitable organizations, and businesses. Services include ongoing investment management (including use of third‑party/outside managers) and a range of financial planning engagements that can be delivered as fixed‑fee, hourly, or ongoing comprehensive planning.

The firm’s investment approach emphasizes diversified, largely passive portfolios built using principles of Modern Portfolio Theory, while also using fundamental and technical analysis and recommending outside managers or allocation models when appropriate. Accounts are typically managed on a discretionary basis with personalized asset‑allocation targets, and planning engagements include regular monitoring and implementation support.

Noteworthy aspects of the firm include the principal’s prior experience as a licensed insurance agent and the explicit incorporation of insurance review and risk‑management analysis into its planning services, even though the current ADV reflects no active outside financial industry affiliations. Operationally, the firm discloses no account minimum, states it will not provide written reports to investment management clients, and generally does not aggregate (block) trades for multiple client accounts.

Client services

Financial planning Portfolio management

Expertise

Business sale tax planning Business ownership considerations Cash flow / budgeting College savings (529s, UTMA, etc.)

Occupation focus

Founder/Business Owner

Fee options

Fixed

Financial Planning Fixed Fee: $0-$36,000 upfront, negotiable

Percentage

$0 - $1,000,000: 1.50% annually $1,000,001 - $2,500,000: 1.25% annually $2,500,001 - $5,000,000: 1.00% annually $5,000,001 - $10,000,000: 0.85% annually $10,000,001 - $20,000,000: 0.85% annually $20,000,001+: Negotiable

Project-based

Financial Planning Hourly Fee: $0-$500 per hour, negotiable

Subscriptions

Comprehensive Financial Planning ongoing fee of $0-$36,000 paid monthly, quarterly, or semi-annually, in advance, negotiable

Other

Fee-only: Comprehensive Financial Planning: $0-$36,000 fixed fee (paid monthly, quarterly, or semi-annually, in advance, negotiable); Financial Planning Fixed Fee: $0-$36,000 upfront, negotiable; Financial Planning Hourly Fee: $0-$500 per hour, negotiable

Main office location

Phase Line Financial

Arroyo Grande CA, United States

Number of offices

1

Most active in

California

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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