Welcome to La Jolla Financial Management

For those who seek professional investment management, the most important decision they will make is the individual or organization with whom they choose to work. We realize the significant degree of discretion, trust and confidence that is involved in the advisor/client relationship. It is our priority to continually earn your confidence and respect.

No Commissions

We align our goals with yours. Rather than charge commissions on individual transactions and charge separate fees for other services, a fee-based managed account lets you know up front what your fee will be. The fee is based on the value of the assets in your portfolio.

At La Jolla Financial Management we specialize in building portfolios with low-cost, no-load mutual funds and Exchange Traded Funds. You thus have access to a broadly diversified portfolio tailored to your personal risk tolerance, goals and investment horizon, and it is professionally managed on an ongoing basis at a very low cost.

We are a Registered Investment Advisory firm that has built its business by offering prudent advice and good service, and by relying on our clients to refer their friends and family to us (referrals are rewarded). We appreciate this opportunity to introduce you to La Jolla Financial Management and pledge to provide you with total satisfaction if you engage our services.

Investing Requires A Steady Approach
Take The Emotion Out Of Your Portfolio

If there is one thing that the last few years have shown us, it is that markets are unpredictable, and guiding your portfolio through turbulent times requires experience, patience and vigilant management. La Jolla Financial Management is committed to helping you meet your investment goals through sound advice and diligent oversight of your investment portfolio, customized to meet your individual goals and structured around your risk tolerance. Because investing involves a number of risks that are often impossible to predict, we moderate these risks by diversifying each portfolio across multiple asset classes to improve its risk-reward characteristics. Using a combination of in-house and independent third-party analysis, we will build a dynamic investment strategy and then select mutual funds that meet our stringent criteria and that are aligned with your goals and needs. Our ongoing due diligence of both the broad markets and your individual holdings will help ensure that your investment strategy stays on track.

With A Fiduciary, Your Interests Come First
Our Responsibility In Serving You Is Clear

At La Jolla Financial Management, we embrace our role as a fiduciary, a responsibility that means we must always act with your best interest in mind. As a fiduciary, we are different from traditional personal financial advisors who are brokers. It’s a distinction we are proud of and that benefits you.

• Unlike a broker, we are not licensed to sell you securities and we are not salespeople.
• We are a Registered Investment Advisor and only sell you our advice.
• You need not worry about hidden fees or a hidden agenda because, as an RIA, we are required by law to fully disclose any conflicts of interests we have in serving you.
• We earn our fee not by charging you commissions on securities trades like stockbrokers, but by levying a fee for ongoing money management.
• You avoid the conflict of interest that arises when a broker receives better commissions by selling you one product instead of another or makes money by making more trades in your account.
• As a fee-only financial advisory firm, we do not accept fees from third-party product providers.

The Freedom Of Choice
Independence Is Its Own Reward

As an independent advisory firm, La Jolla Financial Management is not pressured by a parent company to direct you into their proprietary products. We have the freedom to choose the financial products that are best for you from the wide universe of products that the financial services industry has to offer. Unlike traditional stockbrokers, we are not employed by a Wall Street firm. We are an independent advisory. Our business model allows us to find solutions suitable for you, a commitment we always honor.