Pinedo Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$21,349,680
Clients
140
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
140
Very HighAverage account size
$152,498
About
Pinedo Financial Services is an independent, state‑registered advisory firm that primarily serves individual clients while also offering portfolio management services beyond retail accounts. The firm’s advisory services are limited to bonds, stocks, mutual funds, annuities and life insurance and it tailors portfolios by reviewing clients’ objectives, time horizon, income and risk tolerances.
As of March 13, 2026, the firm reported managing $21.3 million entirely on a non‑discretionary basis, so clients retain trade approval authority. The firm’s process begins with an interview to establish goals and then seeks investments—notably mutual funds that can access multiple asset classes—with demonstrated track records to construct client portfolios.
Noteworthy features include the firm’s predominant non‑discretionary model and a requirement that clients custody assets with a designated broker‑dealer (LPL Financial), where the firm’s principal is also registered as a representative and affiliated with insurance agencies; those relationships create commission‑based conflicts that are not used to reduce advisory fees. The firm also does not aggregate client trades, relies on custodian statements rather than issuing separate periodic reports, and maintains written proxy‑voting policies.
Client services
Portfolio management
Expertise
Annuities
Fee options
0.5% - 1.25% per year, billed quarterly
Commissions earned by principal as registered representative for trades and trailing mutual fund commissions
Main office location
Pinedo Financial Services
2281 Lava Ridge Court, Suite 200
Roseville CA 95661, United States
Number of offices
2
Most active in
Pinedo Financial Services has reported serving >5 clients in these states in the last 12 months.
California · Texas
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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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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