Cavender Financial Planning is a registered investment advisor located in San Diego, California. The firm provides ongoing investment management and personalized financial planning services to individuals, high-net-worth individuals, trusts, and retirement plans. Cavender Financial Planning constructs and manages customized portfolios internally using a diversified, asset allocation-based approach with low-cost investment vehicles such as exchange-traded funds and mutual funds. Financial planning is included as an integral part of the ongoing investment management relationship rather than offered as a standalone service, covering areas such as retirement, tax strategies, estate planning, cash flow management, and insurance analysis. The firm operates as a fee-only advisor, meaning compensation comes exclusively from direct advisory fees without commissions or product sales.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.75% |
| $1.0M - $2.0M | 0.70% |
| $2.0M - $4.0M | 0.60% |
| $4M+ | 0.40% |
Fees are calculated using average daily balance and billed quarterly in arrears. Financial planning is included in these fees.