S
Santa Cruz 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
Santa Cruz Financial serves individual clients and offers investment advice, non‑discretionary portfolio management for publicly traded securities, and comprehensive financial planning. Financial planning is provided on an hourly basis and portfolio recommendations require client approval before execution.
The firm describes a long‑term, passive investment approach that emphasizes diversified allocations to large‑cap equities, dividend‑growth names, and high‑quality bonds while avoiding speculative or highly leveraged instruments. It seeks to minimize trading to reduce transaction costs and tax consequences and conducts regular account and plan reviews to monitor alignment with client goals.
Notable among peers, the brochure highlights the combination of hourly financial planning and individual portfolio management alongside a policy of not accepting commissions or third‑party economic benefits, which the firm frames as a way to limit conflicts of interest. The filing also notes the adviser is newly established, currently reports no assets under management, and maintains written policies such as a Code of Ethics and a business continuity plan.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Passive / index investing
Cash flow / budgeting
Fee options
Financial planning services charged at $100 per hour.
Account minimum: $10,000 Fee-only: Financial planning fees at $100 per hour, billed upon completion; no minimum hours required.
Main office location
Santa Cruz Financial
9681 Business Center Drive, Suite A
Rancho Cucamonga CA 91730, United States
Number of offices
1
Most active in
Santa Cruz 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 not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Discover
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")