Spinnaker Financial Group is a registered investment advisor founded in 2012, offering personalized financial planning and investment management services primarily to individuals, business entities, corporate executives, and retirees. Spinnaker Financial Group operates on a fee-only basis, meaning they do not sell commission-based products such as insurance or securities, aiming to minimize conflicts of interest. Their services include comprehensive financial planning—covering retirement, taxes, estate planning, insurance, and cash flow management—alongside discretionary portfolio management. Spinnaker Financial Group tailors its strategies to each client's specific objectives and risk tolerance, formalized through an Investment Policy Statement or risk questionnaire. Clients maintain the right to impose restrictions on their investments.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.65% |
Annual fee is based on a percentage of assets under management, not to exceed 1.65%. Fees may be negotiated or discounted based on historical relationships, account composition, and asset amounts.