Tempus Pecunia
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$18,821,992
Total clients
13
38% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
13
Average account size
$1,447,846
About
Tempus Pecunia is a state-registered independent investment adviser managing roughly $18.8 million for a small client roster of 13. The firm provides tailored portfolio management and a range of financial planning services — including comprehensive, project-based, and hourly planning — and serves individuals, charitable organizations, corporations, and employer plan sponsors.
The adviser primarily constructs passive, low-cost portfolios using index mutual funds and ETFs while applying fundamental analysis to evaluate individual holdings and asset-selection decisions; it also may recommend third-party outside managers and implements client-specific investment policy statements to guide portfolio supervision. Accounts are reviewed on a periodic basis and financial plans are monitored with ongoing contact and an annual comprehensive review to address changes in circumstances.
What is distinctive for a firm of this size is its offering of employee benefit plan services and pension consulting to employer plan sponsors, including assistance with plan structure, investment option selection, and participant education — a service line that fewer independent advisers provide. The firm also provides business planning and coordinates with attorneys and tax professionals for clients who are business owners, combining plan-level consulting with individualized household financial planning.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
General estate planning guidance
Fee options
Project-Based Financial Planning fixed fees range from $2,500 to $25,000, negotiable; upfront fee for Comprehensive Financial Planning minimum $1,000; ongoing annual fee $2,500 - $25,000 depending on complexity and needs
1.00% annually flat fee for all account values, negotiable
$250 - $400 per hour for Project-Based Financial Planning, negotiable
Main office location
Tempus Pecunia
San Diego CA, United States
Number of offices
1
Most active in
Tempus Pecunia 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:
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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
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