Frequently Asked Questions

When we provide investment advice, we act as fiduciaries, which means we are legally obligated to put your interests first. Every recommendation starts with what is best for your family. Some insurance and brokerage products pay commissions, and when one is part of a recommendation, we explain that in plain terms before you decide.

Advisor turnover is one of the most common frustrations people bring to us. As a father-son team, we offer continuity. We intend to serve your family for decades, and our multigenerational structure means your relationship with Sporos can last as long as you need it to.

Absolutely. Your accounts are held at LPL Financial, a member of FINRA and SIPC, and are kept separate from our practice, with full regulatory oversight, combined with the personalized attention of a boutique practice.

Yes. While our office is in Huntington Beach, CA, we are licensed to work with clients in 15 states (AL, AZ, CA, CO, GA, IL, NJ, NV, NY, OH, OK, OR, PA, TX, and WA). We meet with many of our clients virtually, so geography is rarely a barrier.

There's no minimum for financial planning. Wealth management accounts have a minimum, which we confirm on your Discovery Call. The first conversation is about where you are and where you want to go. If working together makes sense, we'll say so and explain how. If it doesn't, we'll tell you that too.

We are a fee-based advisory firm. Our primary compensation is a percentage of the assets we manage for you (AUM), and any commission is disclosed to you in writing before you decide. Every fee is on our pricing page: financial planning is one flat monthly fee from $100 a month, and wealth management is 1% a year on the first $1M managed, 0.75% on the next $1M and 0.50% above $2M, with planning included.

Yes. If you want professional guidance without moving your investments, we offer flat-fee planning: ongoing financial planning from $100 a month with no setup fee, a One-Time Retirement Plan for $2,000, or a One Decision Plan from $500 for a single decision. Ongoing planning covers your retirement income strategy, tax planning, investment review, and the other moving parts of your financial life in one coordinated plan, and you keep your accounts where they are. See pricing

Fee-only advisors are compensated exclusively through client fees. Fee-based advisors, like Sporos, are primarily compensated through advisory fees but may also earn commissions on certain insurance or annuity products when those are genuinely in the client's best interest. When we act as your investment adviser, we are fiduciaries and put your interests first.

It is a 30-minute conversation. We will ask about your goals, your concerns, and what you are looking for in an advisor relationship. You will have the chance to ask us anything. It is a mutual interview to see if we are the right fit.

We handle the entire transition for you. Most clients are fully moved within 2 to 3 weeks, and we coordinate every step with your current firm. We recommend starting with a second opinion on your current plan, so you can see what would change before anything moves.

We provide comprehensive financial planning that covers retirement planning, 401(k) plan advisory, business owner planning, tax strategy, estate planning, and investment management. Our approach integrates all of these into one coordinated plan, so nothing falls through the cracks.

We start with the income. Social Security and any pension cover part of your monthly need. We build a protected floor for the gap first, designed so essential bills don't have to rely on selling investments in a down market. The rest of the portfolio is built and rebalanced around your timeline and risk tolerance, and we review it with you as markets and your life change. No strategy prevents losses, so we plan for them.

Yes. We serve as a 3(21) fiduciary investment advisor for company 401(k) plans. This means we act as a co-fiduciary on your plan's investments: we research, recommend and monitor the investment lineup, you keep final approval, and the fiduciary responsibility for those decisions is shared. That helps you document a prudent process as a plan sponsor. We also provide employee education to help your team make better retirement decisions. Learn more about our 401(k) advisory services.

We provide proactive tax strategy as part of your financial plan, including Roth conversion analysis, tax-loss harvesting, and coordinated withdrawal planning. We are not CPAs, but we work closely with your tax professional to make sure your investment strategy and tax strategy are aligned. Information provided is not intended as tax or legal advice.

We reach out first when your plan or the market calls for it. We meet with clients regularly to review their plan, discuss any life changes, and make adjustments. Because we're selective about who we bring on, we have the capacity to provide white-glove attention to every family.