C 3 Financial Strategies is an independent advisory firm founded in 2012 and owned by Brenda Coyle, located in Newbury Park, California. The firm provides personalized investment management and financial planning services to individuals, high net worth individuals, trusts, and estates. C 3 Financial Strategies builds diversified investment portfolios based on Modern Portfolio Theory, utilizing low-cost mutual funds, exchange-traded funds, and fixed-income securities. Portfolios are managed on a discretionary basis, meaning C 3 Financial Strategies makes trades on your behalf according to your agreed-upon investment strategy. In addition to managing investments, C 3 Financial Strategies provides comprehensive financial planning covering cash flow, insurance needs, taxes, retirement, and estate planning. The firm focuses heavily on risk management and downside protection rather than chasing aggressive market gains.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.00% |
| $250K - $500K | 0.95% |
| $500K - $750K | 0.90% |
| $750K - $1.0M | 0.85% |
| $1.0M - $1.5M | 0.80% |
| $1.5M - $2.0M | 0.70% |
| $2M+ | 0.60% |
Covered option trading accounts require a separate account with a $25,000 minimum size.