Frank Financial Services provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 11–25 clients last fiscal year.
Frank Financial Services reports 144 clients. They include 80 individual clients, 60 high-net-worth individuals, and 4 corporations and other businesses. Of its assets, 96.9% ($182M across 446 accounts) are managed with discretion; $5.81M across 10 accounts are not. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 56% | 11% |
| High-net-worth individuals | 42% | 89% |
| Corporations and other businesses | 3% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 80 | $20.7M | 11.0% | $258K |
| High-net-worth individuals | 60 | $167M | 88.7% | $2.78M |
| Corporations and other businesses | 4 | $569K | 0.3% | $142K |
| Total | 144 | $188M | 100% | $1.31M |
- Clients
- 80
- Regulatory AUM
- $20.7M
- AUM share
- 11.0%
- Avg. per client
- $258K
- Clients
- 60
- Regulatory AUM
- $167M
- AUM share
- 88.7%
- Avg. per client
- $2.78M
- Clients
- 4
- Regulatory AUM
- $569K
- AUM share
- 0.3%
- Avg. per client
- $142K
Total
- Clients
- 144
- Regulatory AUM
- $188M
- AUM share
- 100%
- Avg. per client
- $1.31M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Frank Financial Services charges 1.00%–2.00% a year for its Discretionary asset management. The fee is negotiable, has a $200 annual minimum and requires an account of at least $500,000. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Fixed fee typically $1,000 to $10,000 depending on complexity, or $250 an hour; due in arrears on presentation of the plan.
Todd Frank owns 75% or more of Frank Financial Services. The leadership team of Frank Financial Services includes President Todd Frank. It has 2 employees.
Leadership
Todd FrankPresident/Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- 2 insurance agents
- Owns 75% or more of Frank Financial Services
Todd Frank
Control person · since January 2003
Frank Financial Services’ regulatory assets grew from $132M (July 2021) to $188M (February 2026); clients were 144 in both filings and employees fell from 3 to 2.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $188M | 144 | 2 | 1 |
| January 2025 | $164M | 145 | 2 | 1 |
| January 2024 | $143M | 141 | 2 | 1 |
| January 2023 | $135M | 153 | 2 | 1 |
| February 2022 | $142M | 146 | 2 | 1 |
| July 2021 | $132M | 143 | 3 | 1 |
Besides its headquarters, Frank Financial Services has 0 offices, with 1 listed address in California.
California · 1 listed address
- 2710 Loker Avenue West, Suite 230, CarlsbadHQ
Contact and registration details
- Legal name
- Frank Financial Services
- Headquarters
- 2710 Loker Avenue West, Suite 230, Carlsbad, CA 92010
- Website
- frankfinancialadvisors.com
- Phone
- 760-438-3360
- SEC file
- 801-121668
- Structure
- California corporation
- Fiscal year end
- December
Frank Financial Services uses Charles Schwab ($170M) as custodian for its separately managed accounts. Frank Financial Services does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $170M100%
At year end, Frank Financial Services’ separately managed accounts were mostly in stocks (54%) and funds (23%).
What the accounts hold
- Stocks54%
- Funds23%
- Registered funds20%
- Pooled vehicles3%
- Cash21%
Filed values cover 98%. The neutral 2% gap has no reported category.
How many clients does Frank Financial Services have?
Frank Financial Services has 144 clients and manages $188 million for them, as of February 2026. They include 80 individual clients, 60 high-net-worth individuals, and 4 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 16 February 2026
What services does Frank Financial Services offer?
Frank Financial Services provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Frank Financial Services charge?
Frank Financial Services charges 1.00%–2.00% a year for its Discretionary asset management. The fee is negotiable, has a $200 annual minimum and requires an account of at least $500,000.
Which custodians does Frank Financial Services use?
Frank Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $170M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 February 2026
How many financial advisors does Frank Financial Services have?
Frank Financial Services has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Frank Financial Services invest in?
At the end of its last fiscal year, Frank Financial Services’ separately managed accounts held 54% exchange-traded equities, 21% cash and equivalents, 20% registered funds (mutual funds, ETFs, BDCs) and 3% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Frank Financial Services have a minimum investment?
Yes, Frank Financial Services’ minimum account size for its Discretionary asset management is $500K. It charges a $200 annual minimum fee.
Who owns Frank Financial Services?
Frank Financial Services’ direct owner is Todd Frank (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 16 February 2026
How does Frank Financial Services get paid?
Frank Financial Services is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Frank Financial Services?
Frank Financial Services’ main office is at 2710 Loker Avenue West, Suite 230, Carlsbad, CA 92010. Its phone number is 760-438-3360. Its website is frankfinancialadvisors.com.