Beltramo Financial Services Inc

CRD#154791
Investment Advisor Firm

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Overview

Beltramo Financial Services Inc is a financial advisor company based in Irvine, California. The firm handles $39.8 million in assets across 99 customer accounts. It has a small team of one employee who is a financial advisor. Beltramo Financial Services Inc does not act as a registered broker-dealer, signifying that the advisor cannot buy and sell securities for its accounts and those of its customers and instead has to go through a broker-dealer firm to do so. Securities are tradable fiscal investments like equities, options and bonds.

Beltramo Financial Services Inc administers all of the company's client assets on a discretionary basis. Discretionary management signifies that an investment advisor has the discretion to make transaction choices for the client's account without needing to seek client authorization. The firm manages an average of $402,347 for each customer account. Under $100,000 of their financial planning investments were in securities, with under $100,000 invested in non-securities. The typical financial advisor at Beltramo Financial Services Inc oversees around 99 client accounts.

The company's headquarters is located at 20 Corporate Park, Irvine, California 92606-5183. The firm is legally registered to provide services to customers throughout a few states, including California and Texas.

Assets Under Management

$39.8 million

Number of Advisors

1

Disclosures

No

Office Location

20 Corporate Park
Irvine, CA 92606-5183

Beltramo Financial Services Inc by the Numbers

Total Assets Under Management

$39.8 million

National Average: $3.7 billion
Total Number of Employees

1

National Average: 29
Total Number of Accounts

99

National Average: 2,073
Average Account Size

$402.3 thousand

National Average: $1.8 million

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Products and Services

Beltramo Financial Services Inc provides a number of financial services, which can include financial planning services, portfolio management for individuals and small businesses and portfolio management for institutional clients. Notably, it did not provide financial planning services to any of its clients in the last financial year. Beltramo Financial Services Inc is involved in selling products or offering services different than investment advisory services to its customers.

Core Advisor Services

  • Offered by 45% of firms

    Financial Planning Services

    This is the process of planning for your financial future, including for events such as retirement, your child's college education or estate succession.

  • Offered by 62% of firms

    Portfolio Management

    This is the selection and management of an investment mix and portfolio strategy for individuals and small businesses.

  • Find a firm that offers this service

    Market Timing Services

    This is the practice of attempting to make short-term profits on investments by buying low and selling high.

Other Services

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Fee Structure

Fees charged by financial advisors usually depend on which services are provided. Fee types charged by the company likely include the following fee structures: asset-based or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not provided by the firm. The company can withdraw its expenses directly from client accounts.

Available

  • Offered by 74% of firms

    Percentage of Assets

    Show Explanation

    This fee, which is the most common fee type charged by advisors for portfolio management, is based on the amount of assets you have under management. Also referred to as an asset-based fee, this fee typically ranges from 0.50%-2.00% of AUM annually. You'll typically pay a lower rate the more assets you have under management.

  • Offered by 40% of firms

    Fixed

    Show Explanation

    Fixed fees are a one-time, lump sum charged for a specific service, like the creation of a financial plan without subsequent implementation. This can be useful if you only need advice for one specific purpose, rather than a long-term advisor. Fixed fees usually range from $1,000 to $3,000.

Unavailable

  • Find one of the 35% of firms that offer this fee type

    Hourly

    Show Explanation

    Like a lawyer, a financial advisor may charge you by the hour. This can be helpful if you are only looking for short-term or one-time advice. Rates typically range from $100-$300 per hour, depending on the complexity and level of services needed.

  • Find one of the 2% of firms that offer this fee type

    Commissions

    Show Explanation

    Occasionally, advisors earn commissions from selling financial products, such as securities or insurance policies, or making certain referrals or transactions. Advisors who earn commissions may be incentivized to make certain recommendations to clients in order to make a commission. Fee-only advisors do not earn commissions, while fee-based advisors may.

  • Find one of the 17% of firms that offer this fee type

    Performance-based

    Show Explanation

    Advisors only earn performance-based fees if a portfolio outperforms a defined benchmark. This fee may be calculated in a number of ways but most commonly is charged as a percentage of investment profits. Performance-based fees may incentivize advisors to make riskier decisions in order to generate higher returns.

  • Find one of the 1% of firms that offer this fee type

    Subscription

    Show Explanation

    Firms generally charge this fee for educational materials provided, such as a monthly magazine. This can be useful if you want to learn about investing or financial management on your own.

  • Find one of the 12% of firms that offer this fee type

    Other

    Show Explanation

    Firms can sometimes charge customers using non-traditional fee structures. See this firm's Form ADV for more details.

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Types of Clients

It works with retail investors and high net worth investors. Out of its 99 customers, Beltramo Financial Services Inc's largest client group is high net worth investors, although it also manages money for 29 high-net-worth individuals. The SEC defines a high-net-worth individual as an investor who has at least $750,000 in AUM or a net worth of more than $1.50 million or who is considered a "qualified purchaser" (a standard met by having at least $5 million in investments). None of its clients are from outside of the U.S.

  • High-Net-Worth Individuals* - 74.36%
  • Other Individuals - 25.64%
  • Corporations - 0%
  • Charitable Organizations - 0%

* The U.S. Securities and Exchange Commission (SEC) defines a high-net-worth individual as someone who has at least $750,000 under management.

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Disclosures

Beltramo Financial Services Inc does not have any disclosures.

Please visit its Form ADV for more details.

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Financial Advisors at Beltramo Financial Services Inc

Larry Beltramo
Irvine, CA

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This content was compiled from the SEC and FINRA