Independent, fee-only retirement and investment planning for Orange County families who value clarity, transparency, and fiduciary advice.

Sentient Financial is an independent, fee-only Registered Investment Adviser based in Laguna Niguel, California. As a fiduciary financial advisor, we provide retirement planning, investment management, and tax-aware strategies designed to put your interests first—always, without commissions or product sales.

What a Fiduciary Financial Advisor Does

A fiduciary financial advisor is legally required to act in the client’s best interest at all times. At Sentient Financial, this means recommendations are made based on your goals, risk tolerance, and long-term plan—not compensation incentives.

Unlike commission-based advisors, fiduciary advisors do not sell financial products or receive third-party payments.

Who We Serve in Laguna Niguel & Orange County

We work with:

• Individuals and families preparing for retirement

• Corporate professionals in their 40s–60s

• Business owners and executives

• High-net-worth households seeking tax-efficient planning

Clients are primarily located in Laguna Niguel, Dana Point, Mission Viejo, Aliso Viejo, and Irvine, with the ability to serve clients nationwide virtually.

Services Offered

• Retirement income planning

• Investment portfolio management

• Tax-efficient planning and Roth conversion analysis

• Social Security optimization

• Estate coordination support

• Ongoing fiduciary guidance

How Fees Work

Sentient Financial is a fee-only Registered Investment Adviser.
Clients pay either:

• An annual advisory fee based on assets under management, or

• A flat planning fee (planning-only, no asset minimum)

Fees are transparent, tiered, and disclosed in advance.

Schedule a 20–30 minute Fit Call
A no-pressure conversation to see whether working together makes sense.