Carbahal Olsen Financial Services Group LLC

Carbahal Olsen Financial Services Group, LLC is a registered investment adviser based in Davis, California, offering financial planning and asset management services. Established in 1999 and registered in 2010, the firm's principals are Kurt D. Schrader, Manuel A. Carbahal, and John M. Carbahal, with Larry Olsen as Chief Investment Officer and Kurt Schrader as Chief Compliance Officer. They provide services in twelve states, primarily in California. The firm offers financial planning services, including consultations and comprehensive planning, with fees ranging from $75 to $350 per hour or $250 to $1500 per plan. Asset management services involve discretionary management of securities such as mutual funds, ETFs, individual stocks, and bonds. The minimum investment to open an account is $50,000, with fees ranging from 0.40% to 1.75% based on the account value. The firm follows a Core/Satellite investment strategy, focusing on global diversification and tactical asset allocation. Clients have the option to implement recommendations independently. The firm does not charge performance-based fees and provides services to individuals, high net worth individuals, small businesses, and pension plans. Clients' accounts are custodied by Fidelity, and the firm does not maintain custody of client funds. The firm does not perform proxy voting services but assists clients with proxy-related queries. There have been no material disciplinary events, and the firm's financial condition is sound.