Top 5 financial advisor firms in Rancho Santa Fe

5 SEC-registered financial advisor firms are headquartered in Rancho Santa Fe, CA, with $2.11B in combined regulatory assets under management. The largest by assets are American Money Management ($844M), Essential Partners ($401M) and Acas ($393M).

5
Financial advisor firms: $2.11B
Their combined AUM: $393M
Median firm AUM: 1,505
Clients of the top 5

The 5 largest by assets

1
American Money Management
RIA
$844M
0.10% to 1.50% a year
2
Essential Partners
RIA
$401M
0.75% to 1.25% a year
3
Acas
RIA
$393M
0.80% to 1.50%
4
Bull Oak Capital
RIA
$262M
0.00% to 0.35% a year
5
Fairbanks Capital Management
RIA
$211M
Up to 1.75% a year

Profiles of the top 5

No. 1 · RIA

American Money Management

American Money Management is an investment adviser based in Rancho Santa Fe, CA, registered with the SEC since 2002. It provides financial planning and investment management. Its clients include high-net-worth individuals, individual clients, and pension and profit-sharing plans. Its regulatory assets under management total $844 million, as filed on 24 March 2026.

American Money Management charges 0.10%–1.50% a year for its Asset management fee.

Regulatory AUM: $844M
Clients: 832
Advisory staff: 11
Founded: 1999
Fee schedule: 0.10% to 1.50% a year
Minimum account: $100,000
Custodians: Charles Schwab
Headquarters: 14249 Rancho Santa Fe Farms Road, Rancho Santa Fe, CA 92067
Phone: 858-755-0909
Website: amminvest.com

No. 2 · RIA

Essential Partners

Essential Partners is an investment adviser based in Rancho Santa Fe,, CA, registered with the SEC since 2022. It provides financial planning and investment management. Its clients include high-net-worth individuals, corporations and other businesses, and other investment advisers. Its regulatory assets under management total $401 million, as filed on 30 March 2026.

Essential Partners charges 0.75%–1.25% a year for its Asset Management Fee Schedule.

Regulatory AUM: $401M
Clients: 58
Advisory staff: 2
Fee schedule: 0.75% to 1.25% a year
Custodians: Charles Schwab, Fidelity
Headquarters: 16950 Via De Santa Fe, Suite 5060-175, Rancho Santa Fe,, CA 92067
Phone: 213-878-0074
Website: essentialpartners.com

No. 3 · RIA

Acas

Acas is an investment adviser based in Rancho Santa Fe, CA, registered with the SEC since 2017. It provides financial planning and investment management. Its clients include high-net-worth individuals, pension and profit-sharing plans, and individual clients. Its regulatory assets under management total $393 million, as filed on 31 March 2026.

Acas charges 0.80%–1.50% for its Investment supervisory services. The brochure does not state whether the rate is annual.

Regulatory AUM: $393M
Clients: 256
Advisory staff: 4
Founded: 2012
Fee schedule: 0.80% to 1.50%
Custodians: Charles Schwab
Headquarters: 5531 Cancha De Golf, Suite #105, Rancho Santa Fe, CA 92091
Phone: 888-500-9267
Website: pro-visionwealth.com

No. 4 · RIA

Bull Oak Capital

Bull Oak Capital is an investment adviser based in Rancho Santa Fe, CA, registered with the SEC since 2022. It provides financial planning and investment management. Its clients include high-net-worth individuals and individual clients. Its regulatory assets under management total $262 million, as filed on 13 July 2026.

Bull Oak Capital charges 0.00%–0.35% a year for its Assets Under Management Fee.

Regulatory AUM: $262M
Clients: 125
Advisory staff: 4
Founded: 2014
Fee schedule: 0.00% to 0.35% a year
Custodians: Altruist, Charles Schwab
Headquarters: 16236 San Dieguito RD., Ste 4-21, Rancho Santa Fe, CA 92067-5752
Phone: 858-999-3550
Website: bulloakcapital.com

No. 5 · RIA

Fairbanks Capital Management

Fairbanks Capital Management is an investment adviser based in Rancho Santa Fe, CA, registered with the SEC since 1995. It provides financial planning and investment management. Its clients include high-net-worth individuals, individual clients and other clients. Its regulatory assets under management total $211 million, as filed on 30 March 2026.

Fairbanks Capital Management charges up to 1.75% a year for its Investment management services.

Regulatory AUM: $211M
Clients: 234
Advisory staff: 3
Founded: 1996
Fee schedule: Up to 1.75% a year
Custodians: Interactive Brokers, Raymond James, Charles Schwab
Headquarters: 16236 San Dieguito RD., Suite 3-28, Rancho Santa Fe, CA 92091
Phone: 858-759-0617
Website: fairbankscap.com

Questions about financial advisors in Rancho Santa Fe

How many financial advisor firms are headquartered in Rancho Santa Fe?

5 SEC-registered financial advisor firms report their principal office in Rancho Santa Fe, CA, managing $2.11B in regulatory assets between them.

Source: Form ADV Part 1A, Items 1.F, 5.D and 5.F

What is the largest financial advisor firm in Rancho Santa Fe?

American Money Management, with $844M in regulatory assets under management on its latest Form ADV. The next largest are Essential Partners ($401M) and Acas ($393M).

Source: Form ADV Part 1A, Item 5.F

How large is a typical financial advisor firm in Rancho Santa Fe?

The median firm manages $393M in regulatory assets. That is the midpoint of the 5 firms headquartered in Rancho Santa Fe.

Source: Form ADV Part 1A, Item 5.F

How much do financial advisors in Rancho Santa Fe charge?

Of the 5 largest firms, 5 publish an asset-based fee schedule for their main service in their brochure. The highest rate in those schedules runs from 0.35% to 1.75% of assets, depending on the firm; each firm's fee is in its profile above.

Source: Form ADV Part 2A brochures, Item 5

How can I check a financial advisor's record in Rancho Santa Fe?

Search the firm or the person on the SEC's Investment Adviser Public Disclosure site, adviserinfo.sec.gov, which shows registrations, Form ADV filings and any disclosures. Each firm profile in this directory links its SEC record.

Source: SEC Investment Adviser Public Disclosure

How is this list ordered?

By regulatory assets under management as filed on Form ADV, largest first. A firm is included when its principal office is in the city and most of its client assets belong to individuals and its type is RIA, which leaves out broker-dealers, wirehouses, RIA networks, digital advice, bank, insurance and family-office firms. A firm with only a branch office here is listed in its own headquarters city.

Source: Niva directory methodology

Rancho Santa Fe has 5 financial advisor firms; see every adviser in the city →