Western Growers Financial Services

CRD#115115
Investment Advisor Firm

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Overview

Western Growers Financial Services is an advisory company headquartered in Irvine, California. The firm handles $84.2 million in total assets throughout 117 client accounts. It has a small group of five employees, three of whom are financial advisors. Western Growers Financial Services does not act as a registered broker-dealer, meaning the company cannot buy and sell securities for its accounts and those of its clients and instead has to go through a broker-dealer company to do so. Securities are tradable fiscal assets such as equities, bonds and options.

Western Growers Financial Services manages more than half of the firm's client assets in a discretionary manner. Discretionary management means that an investment advisor makes buy and sell judgments without needing to seek the customer's permission. It also has 55 non-discretionary accounts with a total of $16.1 million in AUM. The company's average account size is $719,716. Under $100,000 of its financial planning investments were in securities, with under $100,000 placed in non-securities. The average advisor at Western Growers Financial Services administers around 39 client accounts, making it about average in terms of personalization.

Western Growers Financial Services's central office is located at 15525 Sand Canyon, Irvine, California 92618. Western Growers Financial Services is legally registered to serve clients throughout a number of states, including Arizona, California and North Carolina.

Assets Under Management

$84.2 million

Number of Advisors

3

Disclosures

No

Office Location

15525 Sand Canyon
Irvine, CA 92618

Western Growers Financial Services by the Numbers

Total Assets Under Management

$84.2 million

National Average: $3.7 billion
Total Number of Employees

5

National Average: 29
Total Number of Accounts

117

National Average: 2,073
Average Account Size

$719.7 thousand

National Average: $1.8 million

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Products and Services

Western Growers Financial Services offers a variety of financial services, including financial planning services, portfolio management for individuals and small businesses, portfolio management for institutional clients and selection of other advisers. Notably, it did not provide any of its customers with financial planning services in the last financial year. The firm does sell products or offer services other 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.

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    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 23% of firms

    Selection of Other Advisors

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

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    Publication of Periodicals

    This is the publication of various financial education materials.

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    Educational Seminars/Workshops

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

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Fee Structure

Financial advisory fees typically vary depending on which services are offered. However, fee types charged by Western Growers Financial Services likely consist of the following fee structures: asset-based, hourly, fixed or commission-based. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by Western Growers Financial Services. The company is able to withdraw the expenses directly from client funds.

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 35% 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 2% of firms

    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.

  • 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 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

The firm works with retail investors. Out of its 117 clients, Western Growers Financial Services's biggest client is retail investors. None of its clients are represented by non-U.S. persons.

  • High-Net-Worth Individuals* - 0%
  • Other Individuals - 100%
  • 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

Western Growers Financial Services does not have any disclosures.

Please visit its Form ADV for more details.

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Financial Advisors at Western Growers Financial Services

Silvia Aviles
Irvine, CA
Matthew Lewis
Irvine, CA

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This content was compiled from the SEC and FINRA