# Financial Focus LLC

> Financial Focus LLC is an SEC-registered investment advisory firm in Carlsbad, CA, registered since 2018, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated January 29, 2026.

- CRD: 282177
- Filed as: FINANCIAL FOCUS LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Carlsbad, CA
- Filing period: October 2026
- Form ADV filing dated: January 29, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/282177
- AdvisorCensus page: https://advisorcensus.com/firm/financial-focus-llc-carlsbad-ca-282177

## Quick answers

**How is Financial Focus LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Focus LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Financial Focus LLC charge?**
Its Form ADV Part 2A brochure dated January 29, 2026 states: Flat fee: $1,500 to $5,000 (Financial Planning fees); Hourly rate: $300 an hour (Financial Planning); Hourly rate: $75 an hour (Administrative hours). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Financial Focus LLC located?**
Financial Focus LLC's principal office is in Carlsbad, CA, according to its Form ADV.

**Is Financial Focus LLC registered with the SEC or a state?**
Financial Focus LLC is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 282177.

**How much does Financial Focus LLC manage?**
Financial Focus LLC reports $800,000,000 in regulatory assets under management in its Form ADV filing dated January 29, 2026 (100% discretionary).

**How have Financial Focus LLC's assets and staff changed since 2021?**
In the Form ADV data for Financial Focus LLC: Regulatory assets under management: $400,330,748 in the October 2021 data and $800,000,000 in the October 2026 data, up 100%. Total employees: 7 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Focus LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (294); individuals (other than high net worth individuals) (287); charitable organizations (2).

**Which custodians does Financial Focus LLC use?**
Financial Focus LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Assetmark Trust Company and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets.

**Does Financial Focus LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/282177

**Does Financial Focus LLC state an account minimum?**
Its Form ADV Part 2A brochure dated January 29, 2026 says: "Adviser does not require a minimum to open an account."

**What changed in Financial Focus LLC's recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $453,000,000 to $800,000,000 (+77%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated January 29, 2026)

- Account minimum: None

> Adviser does not require a minimum to open an account.

- Flat fee: $1,500 to $5,000 (Financial Planning fees)

> Our Financial Planning fees may be calculated and charged on a fixed fee basis, typically ranging from $1,500 to $ 5,000 depending on the specific arrangement reached with the client.

- Hourly rate: $300 an hour (Financial Planning)

> Calculation of the fee is based on a $300 hourly rate.

- Hourly rate: $75 an hour (Administrative hours)

> We charge an hourly fee of $300 for one-time consulting arrangements with Administrative hours billed at $75 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Assetmark Trust Company
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $800,000,000
- Discretionary: $800,000,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 287 | $37,000,000 |
| High net worth individuals | 294 | $506,000,000 |
| 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) | 1 | $3,000,000 |
| Charitable organizations | 2 | $254,000,000 |
| 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 |

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

### Firm details
- Registered since: 2018 (8 years)
- Employees: 8 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AZ, CA, ID, NC, NY, OR, TX, VA, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- financialfocusllc.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $400,330,748 | 7 | August 19, 2021 |
| October 2022 | $482,415,164 | 7 | January 21, 2022 |
| October 2023 | $487,143,468 | 7 | April 7, 2023 |
| October 2024 | $633,135,678 | 8 | July 9, 2024 |
| October 2025 | $687,000,000 | 7 | February 14, 2025 |
| October 2026 | $800,000,000 | 8 | January 29, 2026 |

Regulatory assets under management: $400,330,748 in the October 2021 data and $800,000,000 in the October 2026 data, up 100%.
Total employees: 7 in October 2021 and 8 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $453,000,000 to $800,000,000 (+77%).

### December 2025
- Employees performing advisory functions went from 4 to 5.
- Regulatory assets under management went from $687,000,000 to $453,000,000 (-34%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Focus LLC (CRD 282177): Form ADV filing data as of October 2026.