Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
- Pension Consulting Services
- Publication of Periodicals or Newsletters
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- State & Municipal Govt Entities
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Walker Financial Advisors Inc Overview
Walker Financial Advisors Inc, headquartered in the beautiful city of Mission Viejo in California, has been providing investment advice only services since its inception in 2018. As a fee-only firm, they are fully committed to delivering unbiased advice to their clients, putting their interests ahead of everything else. Their financial planning services cater to the needs of individuals and small businesses alike, offering custom solutions that are tailored to suit individual requirements and long-term financial goals. Additionally, the firm offers portfolio management services, which help clients achieve their financial objectives with investment strategies that are designed to minimize risk, enhance returns, and optimize tax savings. With an emphasis on innovation and a customer-centric approach, the firm caters to the portfolio management needs of businesses and institutional clients, providing comprehensive insights and guidance on the most suitable investment options available. Walker Financial Advisors Inc also provides pension consulting services, which help clients address the complexities surrounding pension plans and retirement benefits. Their expert advice enables clients to make informed pension-related decisions, ensuring the best possible outcomes for their retirement. Finally, the firm publishes periodicals and newsletters, which help their clients stay informed on the latest market trends and changes, providing insights and commentary on matters that impact the financial world.
WALKER FINANCIAL ADVISORS INC caters to a diverse range of clients, including individuals who are in need of sound financial advice and guidance, high net worth individuals with complex financial portfolios, as well as state or municipal government entities looking for professional financial management solutions. The firm's team of experienced financial advisors are knowledgeable and equipped to provide customized solutions that meet the unique needs and goals of their clients, regardless of their financial background. When it comes to fee structures, WALKER FINANCIAL ADVISORS INC offers flexibility and transparency to their clients. Depending on the service provided, clients have the option to choose from various fee structures such as percentage of asset under management (AUM), hourly fees or fixed fees. The percentage of AUM option charges clients a percentage of the total value of their portfolio that is being managed by the firm, while hourly fees are charged for financial planning and consulting services that require a specific amount of time. Fixed fees are charged for specific services, such as estate planning or tax preparation. The firm understands that everyone’s financial situation is unique; therefore, they strive to provide fee structures that fit the specific needs and goals of their clients.
Typical Clients, Fee Structures & Investment Minimum
The investment minimum for Walker Financial Advisors Inc, as stated in their Part 2 Brochure note about investment minimums, is $500,000 for individual asset management.
How This Office Can Help Mission Viejo, CA Residents
Walker Financial Advisors Inc provides comprehensive financial planning services to clients in Mission Viejo, CA. They assist clients with a range of financial situations, including retirement planning, estate planning, tax planning, investment management, and risk management. The team at Walker Financial Advisors Inc understands that each client has unique financial goals and needs, so they work closely with clients to create personalized financial plans that address their specific situation. Residents of Mission Viejo, CA may face a variety of financial challenges. With the high cost of living in Orange County, it can be difficult to save for retirement or pay off debt. Additionally, many residents may be concerned about the uncertainty of the future given the current economic climate. Walker Financial Advisors Inc helps clients navigate these challenges by providing sound financial advice and solutions tailored to their individual needs. Whether it's developing a retirement plan, creating an investment strategy, or managing risk, Walker Financial Advisors Inc is committed to helping clients achieve financial security and peace of mind.
Services Offered by Walker Financial Advisors 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 Walker Financial Advisors 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.
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.
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
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
Other Office Locations
This firm has no other locations.
State Registrations
Walker Financial Advisors Inc is registered to service clients in the following states:
- California
Disciplinary History
Walker Financial Advisors Inc does not have any disclosures. Please visit it's Form ADV for more details.