Point Loma Advisors offers comprehensive financial planning and investment advisory services. Financial planning covers areas like retirement projections, asset allocation, insurance review, and tax considerations. For ongoing clients, they manage investments using diversified portfolios and may use third-party platforms. Investment advice can be discretionary or non-discretionary. They also offer limited consulting bundled with software access for existing clients. Hourly consulting is available in certain circumstances.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.80% |
| $1.0M - $2.0M | 0.70% |
| $2.0M - $3.0M | 0.60% |
| $3.0M - $4.0M | 0.50% |
| $4.0M - $5.0M | 0.40% |
| $5.0M - $6.0M | 0.30% |
| $6M+ | 0.20% |
Ongoing advisory services generally include both investment management and ongoing financial planning support. In limited circumstances, such as certain trust or administrative relationships, the Advisor may provide investment management services without ongoing financial planning, as defined in the advisory agreement.