Joseph Cavallo
Joseph Cavallo is a registered investment advisor at Financial Management Network INC, based in Mission Viejo, CA, with 17 years of industry experience. Joseph operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Financial Planning & Coaching, Investment Management, Tax Planning. Their firm serves 1,528 clients with $2.1B in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
FMN offers several investment management options with different fee structures:
For clients who started before July 1, 2002:
- Annual fee: 1% on the first $200,000, 0.80% on $200,001-$500,000, 0.70% on $500,001-$1,000,000, and 0.60% on amounts over $1,000,000.
- Minimum annual fee: $1,000.
For clients who started after July 1, 2002:
- Annual fee: 0.90% on $200,000-$500,000, 0.80% on $500,001-$1,000,000, and 0.70% on amounts over $1,000,000. Fees are negotiable for portfolios over $3,000,000.
- Minimum account size: $200,000.
For clients who started after September 30, 2011, with more complex portfolios:
- Annual fee range: 0.60% to 1.25%. Fees are negotiable for portfolios over $3,000,000.
Model Portfolio Management:
- Annual fee: 1.25% (minimum $156.25 per quarter).
- Minimum account size: $50,000.
FM6 Management (for non-profit employees):
- Annual fee: 0.50%.
- Minimum account size: $100,000.
Class F-2 shares of the American Funds:
- Annual fee: 0.50%.
Sub-Adviser (for accounts under $10,000):
- Annual fee: 1% (0.25% paid to the sub-adviser, 0.75% to FMN).
Location
26041 Acero, Mission Viejo, CA, 92691
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Joseph is an appointed agent of various insurance companies, holding a California license for life, health, and variable products. He is also a minority owner (5%) of FMN Centerpointe West LLC, an LLC created to purchase commercial real estate.
Employment History
Current Registrations
Financial Management Network INC
Fmn Capital CorporationBroker
State Registrations22 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.