Cerda Munoz Advisors, Inc

Cerda Munoz Advisors, Inc. is a Registered Investment Adviser founded on December 24, 2013, with its principal place of business in Downey, California. The firm offers investment management services on a discretionary and non-discretionary basis, utilizing various asset classes such as Mutual Funds, ETFs, Stocks, Bonds, REITs, and Cash instruments. They also provide financial planning services covering areas like tax planning, retirement planning, and estate planning. The firm has $91,318,055.00 in non-discretionary assets and $117,864,931.00 in discretionary assets under management as of December 2024. Clients must have a minimum account size of $250,000 to work with the firm. The fee schedule ranges from 0.60% to 1.50% of assets under management, charged quarterly. Cerda Munoz Advisors, Inc. acts as a fiduciary and does not participate in wrap-fee programs. Clients grant the firm investment discretion, allowing them to make investment decisions based on the client's goals and risk tolerance. The firm does not have any disciplinary actions on record. The firm's investment strategies are based on Modern Portfolio Theory, aiming to create efficient portfolios tailored to individual investors' needs and risk profiles. Clients' assets are held by a third-party custodian, Charles Schwab, ensuring transparency and security. The firm's executives, Hilberto Cerda and Aaron Munoz, are Certified Financial Planners with extensive experience in the financial industry. They provide additional services such as tax preparation and insurance planning, ensuring comprehensive financial guidance for clients.