# Contreras Financial, Inc.

> Contreras Financial, Inc. is a state-registered investment advisory firm in Marina, CA, registered since 2019, reporting under $25 million in regulatory assets under management in its Form ADV filing dated June 11, 2026.

- CRD: 305463
- Filed as: CONTRERAS FINANCIAL, INC.
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Marina, CA
- Filing period: October 2026
- Form ADV filing dated: June 11, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/305463
- AdvisorCensus page: https://advisorcensus.com/firm/contreras-financial-inc-marina-ca-305463

## Quick answers

**How is Contreras Financial, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Contreras Financial, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**Where is Contreras Financial, Inc. located?**
Contreras Financial, Inc.'s principal office is in Marina, CA, according to its Form ADV.

**Is Contreras Financial, Inc. registered with the SEC or a state?**
Contreras Financial, Inc. is a state-registered investment advisory firm, registered since 2019. Status as filed: APPROVED. CRD 305463.

**How much does Contreras Financial, Inc. manage?**
Contreras Financial, Inc. reports $1,633,708 in regulatory assets under management in its Form ADV filing dated June 11, 2026 (97% discretionary).

**What types of clients does Contreras Financial, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (22); high net worth individuals (4); pension and profit sharing plans (but not the plan participants or government pension plans) (2).

**Does Contreras Financial, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/305463

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Regulatory assets under management (Item 5.F)
- Total: $1,633,708
- Discretionary: $1,583,036
- Non-discretionary: $50,672

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 22 | $621,839 |
| High net worth individuals | 4 | $977,192 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 2 | $34,677 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Educational seminars/workshops

### Firm details
- Registered since: 2019 (6 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- business.salinaschamber.com/member-directory/Details/contreras-financial-825748
- contrerasfinancial.com
- members.montereychamber.com/list/member/contreras-financial-7331
- Facebook @contrerasfinancial831
- Instagram @lcontreras838
- LinkedIn @luis-contreras-7aa8249
- TikTok @contrerasfinancial
- X @ContrerasFinan1
- YouTube @UCou0mgK2em9WNJI4x18QzqA

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Contreras Financial, Inc. (CRD 305463): Form ADV filing data as of October 2026.