Frequently Asked Questions

As fiduciaries, we are legally obligated to act in your best interest at all times. Every recommendation we make is driven by what is best for your family, not by sales targets, commissions, or corporate incentives. This is a higher legal standard than the "suitability" standard used by many big-firm advisors.

Advisor turnover is one of the biggest frustrations in this industry. At big firms, clients are often reassigned to a new advisor every 18 months. As a father-son team, we offer something rare: continuity. You will not be handed off to a stranger. We plan 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. We are affiliated with LPL Financial, one of the largest independent broker-dealers in the United States. Your assets are held at a major custodian, not with us directly. You get institutional-grade security, FINRA and SIPC membership, and 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.

We work with families managing $500,000 or more in investable assets. That floor is deliberate: keeping the practice selective is what lets us give every household the senior, coordinated attention our approach requires.

We are a fee-based advisory firm. Our primary compensation is a percentage of the assets we manage for you (AUM), so our interests stay aligned with yours as your portfolio grows. Because we keep the practice deliberately small, we walk you through our complete fee schedule once we have spoken and confirmed we are the right fit for each other.

Yes. If you want expert guidance without moving your investments, we offer a comprehensive one-time financial plan for a flat $3,000. It covers your retirement income strategy, tax planning, investment review, and the other moving parts of your financial life in one coordinated plan. If you later engage us to manage your assets, we credit the full $3,000 toward your advisory fee.

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. As fiduciaries, we are legally required to recommend only what benefits you.

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. Think of it as a mutual interview to see if we are the right fit. There is no sales pitch.

We handle the entire transition for you. Most clients are fully moved within two to three weeks with zero disruption to their investments. Many tell us they wish they had switched sooner. We recommend starting with a second opinion on your current plan. It often reveals opportunities your current advisor may have missed.

We provide comprehensive financial planning across six core areas: 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.

Most advisors use a passive buy-and-hold strategy, which means your portfolio rides out every downturn without adjustment. We take a different approach. When markets turn volatile, we actively adjust your portfolio to help protect what you have built. For families approaching or in retirement, a major market drop can permanently damage your financial plan. Active downside protection helps guard against that risk.

Yes. We serve as a 3(21) fiduciary investment advisor for company 401(k) plans. This means we take on legal responsibility for investment decisions in your plan, reducing your fiduciary liability 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 believe in proactive communication, not waiting for you to call us. We meet with clients regularly to review their plan, discuss any life changes, and make adjustments. Because we keep our client roster intentionally small (roughly 100 families), we have the capacity to provide white-glove attention to every family.