Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Other
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Fixed Fees (Other than subscription)
Fpc Investment Advisory, Inc. Overview
FPC Investment Advisory, Inc. is a fee-only registered investment advisory firm based in Petaluma, California. Since its establishment in 2018, the firm has been providing investment advice only and has helped numerous individuals, families, and small businesses in achieving their financial goals. With its headquarters in Petaluma, FPC Investment Advisory has access to an array of investment opportunities and market insights that enable it to provide the best possible financial planning and portfolio management services to its clients. The firm's fee-only structure ensures that clients receive impartial advice and recommendations that are tailored to their financial needs. FPC Investment Advisory provides financial planning services that help clients identify their short- and long-term financial goals, develop a plan of action to achieve them, and regularly review and adjust their plan to stay on track. The firm also provides portfolio management services that cater to the individual needs of clients, helping them make informed investment decisions that align with their financial objectives. Apart from its core services, FPC Investment Advisory also provides financial consulting services to individuals and businesses seeking expert advice on various financial matters. The firm's team of experienced financial advisors works closely with clients to understand their unique financial situations, identify any areas of concern, and provide customized solutions that serve their best interests. Whether it's retirement planning, tax planning, or estate planning, FPC Investment Advisory has the expertise and experience to help clients achieve their financial goals.
FPC Investment Advisory, Inc. caters to a diverse range of clients with varying financial goals and requirements. Their clientele includes individuals and high net worth individuals seeking personalized investment solutions and comprehensive financial planning services. FPC Investment Advisory, Inc. understands that each client has unique financial aspirations and works closely with them to craft individualized plans that achieve their objectives. In addition to individuals and high net worth individuals, FPC Investment Advisory, Inc. also serves institutional clients and family offices seeking investment and asset management strategies aligned with their respective goals. FPC Investment Advisory, Inc. offers flexible fee structures that can be customized based on the services provided to clients. One such structure is a percentage of assets under management (AUM), which is a recurring fee charged as a percentage of the total assets managed by the firm. This structure incentivizes the firm to work towards the growth of their clients' portfolios. FPC Investment Advisory, Inc. also offers fixed fees, which are predetermined fees for specific services provided, independent of the size of the client's portfolio. This structure allows clients to budget for the fees more easily and potentially save money on larger portfolios. The fee structure is decided in accordance with the client's requirements and preferences, and changes can be made accordingly.
Typical Clients, Fee Structures & Investment Minimum
The Part 2 Brochure for FPC Investment Advisory, Inc. states that they require a minimum investment of $1,000,000 for their investment advisory services. The note about investment minimums in their brochure reads, "Our minimum relationship size for investment management is generally $1,000,000." Therefore, if you are looking to invest with FPC Investment Advisory, Inc., you will need to have at least $1,000,000 available to meet their investment minimum.
How This Office Can Help Petaluma, CA Residents
FPC Investment Advisory, Inc. is a financial firm that aims to assist clients in Petaluma, CA, with their financial planning and investment needs. The firm provides a wide array of services that include investment management, retirement planning, tax planning, and estate planning. FPC Investment Advisory, Inc. understands that individuals living in Petaluma, CA, face a variety of unique financial situations. For instance, many people in Petaluma, CA, may be homeowners, and they may need guidance on how to build equity in their homes, refinance their mortgages, or sell their properties. Additionally, residents of Petaluma, CA, may also require advice on how to handle taxes, as California has one of the highest tax rates in the United States. Therefore, FPC Investment Advisory, Inc. can help clients navigate the complexities of California's tax laws, so they can minimize their tax liabilities and maximize their savings.
Services Offered by Fpc Investment Advisory, Inc.
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Fpc Investment Advisory, Inc. most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
- Mon 8 AM–5 PM
- Tue 8 AM–5 PM
- Wed 8 AM–5 PM
- Thu 8 AM–5 PM
- Fri 8 AM–5 PM
- Sat Closed
- Sun Closed
Other Office Locations
This firm has no other locations.
Disciplinary History
Fpc Investment Advisory, Inc. does not have any disclosures. Please visit it's Form ADV for more details.