Top Financial Advisors in Beverly Hills, CA

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Mozaic is the top-rated firm in Beverly Hills has the more assets under mangement (AUM) than any other firm. Perhaps the most attention-grabbing fact about Mozaic is its $100 million minimum opening account size. This makes Mozaic about as ultra-high-net-worth-focused as any firm in the country. As a result, the vast majority of the firm's client list consists of high-net-worth individuals, although Mozaic also works with charitable organizations. 

The firm has one certified public accountant (CPA) on staff. As a fee-only firm, Mozaic makes its money from asset-based client fees, hourly charges and/or fixed fees -- not commissions for selling products. 

Mozaic Background

Christopher J. Zyda, Mozaic’s CEO, founded the firm in 2007. Zyda still independently owns the firm to this day. He has over 30 years worth of experience working in the financial services industry.

Mozaic is primarily focused on investment planning and management. This process involves assessing clients’ needs and desired objectives, building a customized portfolio plan and implementing and monitoring it. Under certain circumstances, the firm can provide corporate financial consulting.

Mozaic Investment Strategy

Once you and your advisor go over your investment needs, Mozaic will recommend specific securities it thinks should be a part of your portfolio. After this is complete, the firm will research third-party investment managers that will eventually take care of your portfolio. Mozaic manages assets directly for clients only on a very limited and case-by-case basis. 

Although your money is going to be in the hands of a third-party, Mozaic will continually monitor your portfolio’s asset allocation and overall performance. Based on these learnings, it may offer changes for your portfolio.

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New clients of Cheviot Value Management must have at least $2 million ready to invest, which is the second-highest minimum on this list. The firm states in its Form ADV, however, that it may decide to waive this stipulation from time to time. Cheviot works with individual clients, high-net-worth individuals, retirement plans, trusts, estates and charities. 

This fee-only firm exclusively charges clients a percentage of assets under management, not commissions. Cheviot employs three certified financial planners (CFPs) and one chartered financial analyst (CFA).

Cheviot Value Management Background

Founded by Frederic G. Marks and Nancy J. Marks, Cheviot Value Management registered as an investment advisor with the Securities and Exchange Commission in 1985. Marks retired in 2013, leaving the company in the hands of advisors Darren Pollock and David Horvitz. 

First and foremost, Cheviot will look to create an asset allocation and portfolio plan that’s aligned with your personal needs and goals. A number of financial planning services like estate planning, retirement planning, cash flow analysis, college funding, risk management and insurance planning, legacy planning and tax mitigation are included in its investment management suite.

Cheviot Value Management Investment Strategy

Diversification is central to Cheviot Value Management’s investing philosophy. To ensure your assets are as diversified as possible, the firm will look to allocate your money between varying asset classes, market sectors, capitalizations, regions and investment styles. This diversification is intended to protect you against market volatility.

Cheviot primarily invests client assets in equities, fixed income, municipal securities, exchange-traded funds (ETFs), money market funds and cash. Portfolios may also include convertible bonds, preferred stocks, mutual funds, closed-end funds and master limited partnerships.

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Boulevard Family Wealth is a fee-based practice with a small client list composed of high-net-worth individuals, charitable organizations, corporations and businesses. Boulevard Family Wealth has one certified investment management analyst (CIMA) and one certified financial planner (CFP) on staff. 

While this firm doesn't have a required account minimum, some employees of Boulevard Family Wealth have an opportunity to earn commissions for the sale of specific insurance products or securities. Although this presents a potential conflict of interest, the firm is legally bound by fiduciary duty.

Boulevard Family Wealth Background

Founded in 2017 by managing partner Matthew Celenza, Boulevard Family Wealth is one of the youngest firm on this list. Celenza has more than 20 years of experience working with ultra-high-net-worth clients, and he owns Boulevard through his trust, the Celenza Living Trust.

This firm has a wide range of advisory services that span financial planning, investment management and consulting. They include:

• Family office services
• Trust management
• Insurance planning
• Capital solutions
• Philanthropic gift planning

Boulevard Family Wealth Investment Strategy

Boulevard utilizes both active and passive management when managing clients’ investments, as it wants to be flexible enough to meet the needs of each individual it works with. The firm will adjust its investment decisions based on your risk tolerance and tax situation.

Mutual funds, exchange-traded funds (ETFs), options and individual stocks and bonds make up the vast majority of this firm’s investments. Once these securities reside in your portfolio according to the firm’s proposed asset allocation, your advisor will monitor and rebalance them as necessary.

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O’Boyle Wealth Management, No. 4 on our list, primarily works with individuals and high-net-worth individuals. The firm states in its Form ADV that it also has services for trusts, estates, charitable organizations, businesses and retirement plans.

O'Boyle has a $250,000 account minimum for its wrap fee program, a comprehensive portfolio management service. Non-wrap portfolio management is available to clients with account balances of less than $250,000.

Some advisors at this fee-based firm can receive commissions for insurance product sales. This represents a potential conflict of interest. Regardless, the firm is legally bound by fiduciary duty, requiring it to act in clients’ best interests.

The firm's wealth management team includes two certified financial planners (CFPs) and one chartered retirement planning counselor (CRPC). 

O'Boyle Wealth Management Background

O’Boyle Wealth Management was formed in 2013 and became a registered investment advisor (RIA) in 2018. Joe O’Boyle, a CFP, is the principal owner and founder of the firm. He has received several recognitions, such as being named a “Five Star Wealth Manager” by Los Angeles Magazine from 2016 to 2018.

In an effort to be as comprehensive as possible, O’Boyle Wealth Management provides investment management along with a plethora of financial planning services. These include retirement planning, estate planning, business succession planning, strategic tax planning, life insurance analysis and college fund planning.

O'Boyle Wealth Management Investment Strategy

When you meet your advisor for the first time, you’ll go over your various investor characteristics, like your risk tolerance, investment objectives, time horizon and liquidity needs. Based on this information, the firm will put together a strategic asset allocation to help you reach your goals. For the most part, O’Boyle tends to recommend individual stocks and bonds, exchange-traded funds (ETFs), mutual funds, options and more.

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Aire Advisors is a fee-based firm whose client base comprises individuals and high-net-worth individuals. The firm also works with trusts, estates, charities, retirement plans and business entities. While a majority of its current list of clients are high-net-worth individuals, Aire does not have a set account minimum. 

Aire's small team of advisors has has a range of professional accreditations, including two certified plan fiduciary advisors (CPFAs), two accredited wealth management advisors (AWMAs), one certified exit planning advisor (CEPA), one certified financial planner (CFP) and one chartered retirement planning counselor (CRPC). Aire advisors are also licensed insurance agents and can earn commissions for selling insurance products to clients, creating a potential conflict of interest. While Aire is considered a fee-based firm, it is a fiduciary and must act in clients' best interests. The firm also charges asset-based fees for portfolio management, as well as hourly or flat fees for financial planning and consulting. 

Aire Advisors Background  

Founded in 2020, Aire Advisors is the youngest firm on our Beverly Hills list. Owned by Amir Monsefi and Sharon Nassir, Aire Advisors offers comprehensive wealth management, investment advice, retirement plan consulting, as well as financial planning and consulting. Within these broad services, Aire Advisors can specifically offer clients cash management advice, liability planning, trust and estate planning, among other offerings.

Aire Advisors Investment Strategy 

Aire Advisors build client portfolio after hearing about a client's financial goals, risk tolerance and other factors. The firm then designs a portfolio using individual stocks, bonds, ETFs, options, mutual funds and other publci and private securities. The firm may also recommend certain clients invest in a third-party investment advisory firm or individual advisor. 

"When it comes to investing, our team believes that most markets are quite efficient and have priced in virtually all information and predictions," the firm states on its website. "Therefore we invest by managing risk and planning rather than by predicting or listening to the latest hot news stories."

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Eliot Finkel Investment Counsel is a fee-only financial advisory firm that mainly serves individuals and high-net-worth individuals. However, the firm also has services for trusts, estates and charities. 

Eliot Finkel, also known as EF Invest, employs a small staff of financial advisors, one of whom is a chartered financial analyst (CFA). To work with one of these advisors, you'll need to have at least $500,000 in investable assets.

As a fee-only firm, EF Invest is compensated solely by client-paid fees. Its advisors do not sell insurance or other financial products for commissions. Those fees are based on a percentage of a client's assets under management. 

Eliot Finkel Investment Counsel Background

Although this firm does business under the name Eliot Finkel Investment Counsel, its legal name is Finkel Eliot Michelow. The firm was founded by Eliot Finkel in 1974, making it the oldest firm on this list. Finkel has a long history in Beverly Hills, as he served as treasurer for the city for three terms.

The firm offers some long-term financial planning services, but the majority of what it does falls under the category of asset management. The firm works with clients to develop their investor profile so it can create an appropriate asset allocation for them.

Eliot Finkel Investment Counsel Investment Strategy

EF Invest adheres to three main investing principles when constructing client portfolios with individual stocks and bonds:

• Value: When selecting which securities to include in a client's portfolio, the firm looks for profitable companies that are largely undervalued.
• Income: If possible, the firm prefers to use securities that pay dividends to keep your income levels high.
• Safety: This principle is centered around diversification, as this will help keep your returns from shrinking due to an overly strong attachment to a specific area of the market.

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Life Line Wealth Management, No. 7 on our list of the top financial advisors in Beverly Hills, has a client base that's nearly evenly split between individuals and high-net-worth individuals. The fee-only firm also serves trusts and privately held small business entities. Life Line requires new clients have at least $250,000 in investable assets. 

Life Line's advisors work on a fee-only basis, meaning clients don't pay commissions or other hidden charges. Instead, Life Line is compensated solely by client fees based on a pecentage of assets under their management. Life Line does not have a website.

Life Line Wealth Management Background

Lameck Humble Lukanga founded Life Line Wealth Management in 2011 after spending four years working for New York-based Madison Financial Group. Lukanga owns Life Line completely.

Clients will gain access to investment management and financial planning services when enlisting Life Line. The firm’s investing services are customizable, whereas its financial planning offerings are centered around tax planning, retirement planning, estate planning, debt management and risk management.

Life Line Wealth Management Investment Strategy

Like many financial advisor firms, Life Line utilizes modern portfolio theory (MPT) to inform how it builds clients’ portfolios. This Nobel prize-winning strategy illustrates a direct relationship between the risk and potential returns of a portfolio. 

Life Line relies on a long-term, buy and hold investment strategy with rebalancing when necessary. More specifically, the firm prefers passive mutual funds and other passive investments. "A passive style delivers investment returns in a cost effective, tax efficient, and risk efficient manner," it states in its Form ADV brochure. 

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Beverly Investment Advisors (BIA), the final firm on our list, is a small practice that primarily works with high-net-worth individuals in the entertainment, medical and legal spheres. The firm also has a few non-high-net-worth individual clients, along with several pension and profit-sharing plans.

There is a $1 million minimum account size at BIA. The firm's lone advisor holds the accredited asset management specialist (AAMS) designation. BIA is a fee-only firm that may charge clients asset-based fees, hourly charges and/or fixed fees. However, it does not collect commissions for selling third-party products or services. 

Beverly Investment Advisors Background

Canon Price opened Beverly Investment Advisors in 2007 and still owns 100% of the firm’s shares. As a result, BIA is the only firm on this list that’s fully woman-owned.

Beyond the firm’s standard financial planning and portfolio management services, it can provide pension consulting.

Beverly Investment Advisors Investment Strategy

BIA uses a four-step process when creating an investment portfolio for a client:

• Step One: The firm begins with what it describes as a “neutral allocation.” It has a separate models for differing risk levels, such as equity, equity tilted balanced, balanced and conservative balanced.
• Step Two: Once your risk tolerance becomes clear, the firm will work on developing security allocation percentages specifically for you.
• Step Three: Next, the firm will apply scenario analysis to your portfolio to see how each security could react to market potential conditions.
• Step Four: At this point the firm begins choosing actual securities to invest in. These could be bonds, large- and small-cap stocks, mutual funds, exchange-traded funds (ETFs) or a combination of them.