Intersect Capital LLC

CRD#122418
Investment Advisor Firm

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Learn more about Intersect Capital LLC

  • Overview
  • By the Numbers
  • Products and Services
  • Fee Structure
  • Types of Clients
  • Disclosures
  • Office Locations

    • Overview

    Intersect Capital LLC is a financial advisor firm that has its headquarters in San Ramon, California. The company administers $1.3 billion in assets over 431 client accounts, placing it among the larger financial advisory firms in the country by assets under management (AUM). The company has a small team, including 1 financial advisor. Intersect Capital LLC does not act as a registered broker-dealer, signifying that it is not able to buy and sell securities for its clients' and own accounts and instead must go through a broker-dealer company to do so. Securities are tradable fiscal investments like options, stocks and bonds.

    Intersect Capital LLC administers 417 of the company's accounts in a discretionary manner. Discretionary management is a structure in which an investment advisor has the discretion to make transaction judgments for the client's account without requiring the client's permission. The firm also administers 14 non-discretionary accounts totaling $117.4 million in assets. Intersect Capital LLC's average account size is $3.0 million. The typical financial advisor at Intersect Capital LLC oversees about 431 client accounts.

    The firm's headquarters is located at 12657 Alcosta Boulevard, San Ramon, California 94583.

    Assets Under Management

    $1.3 billion

    Number of Advisors

    1

    Disclosures

    No

    Office Location

    12657 Alcosta Boulevard
    San Ramon, CA 94583

    Intersect Capital LLC by the Numbers

    Total Assets Under Management

    $1.3 billion

    National Average: $8.6 billion
    Total Number of Employees

    4

    National Average: 64
    Total Number of Accounts

    431

    National Average: 375,227
    Average Account Size

    $3.0 million

    National Average: $23.0 thousand
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    Products and Services

    Intersect Capital LLC offers multiple services, which can include financial planning services, portfolio management for individuals and small businesses, pension consulting services, selection of other advisers and other services. In the last financial year, the firm provided financial planning services to 101-250 of its customers. The firm does not sell products or offer services aside from investment advice to its investment advisory customers. The firm also has a number of financial industry affiliations, including with an accountant or accounting firm and insurance company or agency.

    Core Advisor Services

    • Offered by 31% 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 46% 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

    • Offered by 20% of firms

      Selection of Other Advisors

      This is the firm's assistance with choosing other advisors to work with who may have different specialties.

    • Find a firm that offers this service

      Publication of Periodicals

      This is the publication of various financial education materials.

    • Find a firm that offers this service

      Educational Seminars/Workshops

      This is the hosting of seminars or workshops to educate investors on financial concepts.

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    Fee Structure

    Fees for financial management largely vary depending on which services are offered. Fee types billed by the company most likely consist of some blend of the following fee structures: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not provided by the firm.

    Available

    • Offered by 69% 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 21% of firms

      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.

    • Offered by 32% 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 1% 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 26% 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 0% 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 10% 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

    The firm works with retail investors, high net worth investors, pension plans and charitable organizations. Out of its 431 accounts, Intersect Capital LLC's largest client group is high net worth investors, but it also serves 325 high-net-worth individuals. A high-net-worth individual is defined by the SEC as an investor who has at least $750,000 under management or a net worth of at least $1.50 million or who is considered a "qualified purchaser" (a standard met by having at least $5 million in investments). None of its customers are represented by people from outside of the U.S.

    • High-Net-Worth Individuals* - 75.41%
    • Other Individuals - 19.95%
    • Corporations - 3.48%
    • Charitable Organizations - 1.16%

    * 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

    Intersect Capital LLC does not have any disclosures.

    Please visit its Form ADV for more details.

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