# FLC Capital Advisors

> FLC Capital Advisors is an SEC-registered investment advisory firm in Palm Desert, CA, registered since 2013, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated April 3, 2026.

- CRD: 111822
- Filed as: FLC CAPITAL ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Palm Desert, CA
- Filing period: October 2026
- Form ADV filing dated: April 3, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/111822
- AdvisorCensus page: https://advisorcensus.com/firm/flc-capital-advisors-palm-desert-ca-111822

## Quick answers

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

**How much does FLC Capital Advisors charge?**
Its Form ADV Part 2A brochure dated April 3, 2026 states: Flat fee: up to $10,000 (Financial Planning and Consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is FLC Capital Advisors located?**
FLC Capital Advisors' principal office is in Palm Desert, CA, according to its Form ADV.

**Is FLC Capital Advisors registered with the SEC or a state?**
FLC Capital Advisors is an SEC-registered investment advisory firm, registered since 2013. Status as filed: Approved. CRD 111822.

**How much does FLC Capital Advisors manage?**
FLC Capital Advisors reports $822,156,813 in regulatory assets under management in its Form ADV filing dated April 3, 2026 (99% discretionary).

**How have FLC Capital Advisors' assets and staff changed since 2021?**
In the Form ADV data for FLC Capital Advisors: Regulatory assets under management: $458,974,985 in the October 2021 data and $822,156,813 in the October 2026 data, up 79%. Total employees: 7 in October 2021 and 9 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does FLC Capital Advisors serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (184); individuals (other than high net worth individuals) (136); other investment advisers (5).

**Which custodians does FLC Capital Advisors use?**
FLC Capital Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does FLC Capital Advisors 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/111822

**What changed in FLC Capital Advisors' recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 4 to 5. Regulatory assets under management went from $709,893,714 to $822,156,813 (+16%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated April 3, 2026)

- Flat fee: up to $10,000 (Financial Planning and Consulting services)

> Flat fees will not exceed $10,000. Our firm requires a retainer of 50% of the ultimate financial planning or consulting fee at the time of signing.

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

### Custodians (Schedule D, Section 5.K(3))
- 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: $822,156,813
- Discretionary: $811,526,976
- Non-discretionary: $10,629,837

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 136 | $134,255,516 |
| High net worth individuals | 184 | $679,549,950 |
| Other investment advisers | 5 | $7,400,073 |
| Corporations or other businesses not listed above | Fewer than 5 | $951,274 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2013 (13 years)
- Employees: 9 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AZ, CA, FL, NV, NY, TX, UT, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- flccapital.com
- Facebook @FLC-CAPITAL-ADVISORS

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $458,974,985 | 7 | September 9, 2021 |
| October 2022 | $520,767,436 | 8 | March 3, 2022 |
| October 2023 | $519,020,659 | 9 | March 23, 2023 |
| October 2024 | $651,144,556 | 10 | June 17, 2024 |
| October 2025 | $709,893,714 | 9 | January 17, 2025 |
| October 2026 | $822,156,813 | 9 | April 3, 2026 |

Regulatory assets under management: $458,974,985 in the October 2021 data and $822,156,813 in the October 2026 data, up 79%.
Total employees: 7 in October 2021 and 9 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 4 to 5.
- Regulatory assets under management went from $709,893,714 to $822,156,813 (+16%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. FLC Capital Advisors (CRD 111822): Form ADV filing data as of October 2026.