10/28 Wealth Management LLC offers personalized investment management and financial planning services to individuals and high-net-worth individuals. Founded in 2026 and based in Oceanside, California, 10/28 Wealth Management focuses on creating tailored investment portfolios using stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents, guided by Modern Portfolio Theory and fundamental or technical analysis. In addition to managing portfolios, 10/28 Wealth Management provides comprehensive and project-based financial planning covering retirement, cash flow and debt management, tax strategies, estate planning, college savings, employee benefits, and business planning. The firm operates as a fee-only registered investment advisor, meaning compensation comes solely from client fees rather than commissions or product sales, and utilizes independent custodians such as Charles Schwab and Altruist Financial for client accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.25% |
| $500K - $2.5M | 1.00% |
| $2.5M - $5.0M | 0.75% |
| $5M+ | 0.50% |
Fees are negotiable and household accounts may be aggregated. Third-party outside manager fees are separate if utilized.