Vector Financial Solutions, Inc. is a registered investment advisor based in Escondido, California, offering comprehensive financial planning and portfolio management services to individuals, high-net-worth families, businesses, charities, and retirement plans. The firm builds individualized portfolios utilizing modern portfolio theory and pre-designed model portfolios, maintaining a regular monitoring and rebalancing schedule based on market conditions and client goals. For financial planning, Vector Financial Solutions provides personalized written plans covering net worth, cash flow, taxes, insurance, and retirement projections. The firm operates with a minimum account balance requirement of $250,000, though this can be waived at their discretion. Founder and President David Wilson also operates as an independent insurance agent, presenting a potential conflict of interest regarding product recommendations, which the firm mitigates by prioritizing client interests and maintaining compliance procedures. Custody and brokerage services are primarily recommended through Charles Schwab & Co.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 1.50% |
| $100K - $500K | 1.35% |
| $500K - $1.0M | 1.00% |
| $1.0M - $3.0M | 0.95% |
| $3.0M - $5.0M | 0.75% |
| $5.0M - $10.0M | 0.50% |
| $10M+ | 0.30% |
Fees are negotiable based on account size, and accounts may be aggregated. Retirement plan consulting ranges from 0.30% to 1.50%.