Fee-only adviser · Lake Forest, CA
O'Neill Financial Management, Inc.
O'Neill Financial Management, Inc. is a fee-only investment adviser registered with the securities regulator of California, with its main office in Lake Forest, California. On its latest Form ADV, filed March 11, 2026, it reports $87M in regulatory assets under management, 127 individual clients and 3 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 | State-registered: California |
|---|---|
| Firm CRD number | 283273 · SEC file 801-107696 |
| Office | 23201 Lake Center Drive Suite 215 Lake Forest, CA 92630 |
| Phone | (949) 582-1577 |
| Website | www.oneillfm.com |
| Regulatory assets under management | $87M |
| Individual clients | 111 non-high-net-worth, 16 high-net-worth |
| Financial planning clients | 0 |
| How it charges | Percentage of assets |
| Services | Financial planning, Portfolio management, Pension consulting, Selection of other advisers |
| Employees | 3 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | March 11, 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 charges only as a percentage of the assets it manages. Ask about the fee schedule and any account minimum, which Form ADV Part 1 does not record.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- 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 Lake Forest
- Prudent Investors $516M
- Endure Capital, LLC $107M
- Berilium $4.5M
See all 4 fee-only advisers in Lake Forest →
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