About Cardiff Park Advisors
Cardiff Park Advisors is an independent, fee-only, full service investment advisor registered with and regulated by the U.S. Securities and Exchange Commission (SEC). We customize investment portfolios that are passively managed, broadly diversified, goal based, tax aware, and generally comprised of both stock and bonds. Our clients include individuals, trusts, endowments, retirement plan sponsors and business entities. All have direct access to our expertise and advice.
We deliver the advantages of a stable investment strategy, rooted in Nobel prize-winning financial and economic research, and access to institutional index and bond markets. Cardiff Park is among a select group of advisors qualified to provide access to Dimensional Fund Advisors (DFA), a leader in passive Investment research and fund offerings (Read why DFA is our preferred fund partner). We also recommend Vanguard funds and selected Exchange Traded Funds (ETF's) as well as CD’s, Treasuries, and corporate and municipal bonds for individual laddered maturity fixed-income requirements.
Investors want their money to multiply. Unfortunately, the typical investor lacks adequate knowledge about how markets work, or finds it difficult to locate knowledgeable, competent, independent and objective advice for a reasonable price. Truth is, most investors overpay for financial services, not even knowing they are subject to inferior strategies that open the door to unnecessary risk, and mediocre results. Furthermore, advertising campaigns sponsored by the financial services industry too often promote fantasies about how markets work and are riddled with conflicts of interest.
How We’re Different
At Cardiff Park, our advice is unbiased. A fixed retainer is our sole source of compensation. We do not accept fees or commissions on the sale of Investment products, nor do we generate fees through add-on services. By charging low fixed fees, we help keep the cost of investing low. Portfolios are transparent and clients may review them at any time. We deliver the kind of service we like to receive: engaged, intelligent and responsive. Trust and long-term client relationships are the bedrock of our business.
Our clients understand the principles of passive and index investing, and are committed to them as a long term buy and hold strategy. We can recommend several popular books on the subject, and additional information can be obtained from the Dimensional Fund Advisors website (http://www.dfaus.com).
As principal of Cardiff Park Advisors, I bring more than 25 years' experience working in and consulting with the financial services industry. Prior to forming Cardiff Park, I managed investment advisory engagements for Ernst & Young in San Francisco, and I spent 15 years delivering personal investment management services for the private client groups of leading Wall Street brokerage firms including Merrill Lynch, Lehman Brothers and Oppenheimer.
I established Cardiff Park in 2003, and the firm was granted registration with the U.S. Securities and Exchange Commission (SEC) in May 2006. Cardiff Park is in its ninth year of operation under SEC registration. As of March 2017, we have over $1.4 billion in assets under management.
Learn More about Our Investment Philosophy
I invite you to explore this site and learn about our investment philosophy, approach, and qualifications. You will be introduced to the underlying quality of our research and advice, and the manner in which we assess your needs, design your portfolio, select investments and monitor your performance. All of our work is in accordance with the Fiduciary Standard of Care brought forward by trust law and Modern Portfolio Theory (MPT).
You will gain an understanding on how and why passive and index investing works, and why active investing fails to live up to popular expectations. The hidden risks and high costs of active management are highlighted. You will improve your grasp of Modern Portfolio Theory, the back bone of passive and index investing. You will explore the principles of effective diversification, and the gains to be realized from international investing. You will read about the sources of long-term equity returns, the direct relationship between risk and return, and the manner in which risk is priced and rewarded in the market place. The case is made as to why passive and index investing is better than active investing at capturing the expected rewards of long-term equity Investing. You will learn how to temper portfolio risk with fixed income securities and the factors that determine their expected returns. The argument for diversifying into foreign bonds is spelled out. The pros and cons of buying bond funds versus individual bonds are discussed. You will also find recommendations for books, websites, and educational resources for passive investing.
Learn More About Us
Cardiff Park Advisors is registered and regulated by the U.S. Securities and Exchange Commission. We are located in Carlsbad, which is 25 miles north of San Diego. We welcome the opportunity to discuss your financial goals and how we can help you reach them. Please contact John Gorlow at: firstname.lastname@example.org or 760-635-7526.