Embarcadero Capital Advisors, Inc. fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed August 28, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$450/hr

“Our maximum hourly rate is $450.”

Annual fee

$6,000/yr

“We charge a flat fee for estate planning services, not to exceed $6,000 annually.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Embarcadero Capital Advisors, Inc. bills

Payment and refund terms, quoted from the fee section of the brochure.

• “Annualized fees are billed on a pro-rata basis monthly in arrears based upon the market value of the assets, including cash and cash equivalents, as of the last business day of the preceding calendar month.”
• “Upon termination, we will invoice the client for any unpaid fees up to the date of termination.”
• “Fees are negotiable and will be deducted from the client’s managed account or directly invoiced.”

How Embarcadero Capital Advisors, Inc.’s fees compare

• Its hourly rate of $450 is above the California median of $300. 81% of the 932 other California planners that publish an hourly rate charge less.
• 3 of the 3 other planners in Laguna Hills that publish an hourly rate charge less.
• Its annual fee of $6,000 is below the California median of $6,250. 45% of the 224 other California planners that publish an annual fee charge less.

About Embarcadero Capital Advisors, Inc.

• Solo practice: one person runs the firm, so you work directly with the planner.
• Registered as an adviser: 2024 (2 years).

Planning areas mentioned in the brochure

• Tax planning
• Divorce

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, percentage of assets under management, performance based fees

Charges a % of assets

Yes

Highest asset based fee in brochure

0.25% a year

Clients

250

Employees

1

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, pension consulting, selecting other advisers, and educational seminars and workshops

Assets managed

$60,000,000

Registered with

State securities regulators

Disciplinary disclosures

Yes. Read them on the SEC site (opens in new tab)

SEC CRD number

329285

Website

embarcaderocapitaladvisors.com (opens in new tab)

Phone

(949) 371-9796

Can advise clients in 4 states: Arizona, California, Nevada, Texas

Other planners in Laguna Hills that publish fees

• Fusion FinancialLaguna Hills$400/hr, $2,000⁠-⁠$100,000
• Laguna Financial AdvisoryLaguna Hills$300/hr, $500⁠-⁠$10,000
• The Financial Coaching Group, Inc.Laguna Hills$200⁠-⁠$2,000
• Vere ChappellLaguna Hills$200/hr

Compare all 11 planners in Laguna Hills