Five Oceans Advisors

Five Oceans Advisors is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with a mailing address in Carlsbad, California (its office is a private residence, so the street address is not published). On its latest Form ADV, filed November 4, 2026, it reports $456M in regulatory assets under management, 117 individual clients and 4 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.

Key facts from Form ADV

Registration	SEC-registered
Firm CRD number	308377 · SEC file 801-118502
Office	Carlsbad, CA (mailing address; office not published)
Phone	(310) 525-5155
Website	lifestrategybyfiveoceans.com
Regulatory assets under management	$456M ($440M discretionary)
Individual clients	43 non-high-net-worth, 74 high-net-worth
Financial planning clients	101-250
How it charges	Percentage of assets, Fixed fee
Services	Financial planning, Portfolio management, Selection of other advisers, Educational seminars
Employees	8
Disciplinary disclosures	None reported
Latest Form ADV filing	November 4, 2026

Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.

What this means for you

• It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
• It also charges a percentage of assets managed for ongoing investment management.
• Most of its individual clients are high-net-worth, which on Form ADV means they meet the SEC’s qualified-client or qualified-purchaser test: broadly, more than $1 million managed by the adviser or a net worth above $2 million, with the thresholds indexed for inflation.
• It provides financial planning services, not only portfolio management.
• It reports no disciplinary history on Form ADV.

Before you hire any adviser

Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.

Other fee-only advisers in Carlsbad

• Financial Focus LLC $800M
• Seaside Wealth Management, Inc. $459M
• MKT Advisors LLC $464M
• Carlsbad Wealth Advisory Group, Inc. $238M
• Fonte Financial Advisors $158M
• Vistica Wealth Advisors, LLC $260M

See all 17 fee-only advisers in Carlsbad →

Nearby

• Oceanside 1 firm
• Encinitas 10 firms
• San Marcos 4 firms
• Vista 1 firm
• Cardiff by the Sea 2 firms
• Cardiff-By-The-Sea 1 firm
• Solana Beach 4 firms
• Rancho Santa Fe 7 firms