Cardiff Park Advisors, LLC
Cardiff Park Advisors, LLC is an independent, fee-only investment advisory firm headquartered in San Diego, California. Founded in 2003 and SEC-registered since 2006, the firm works with individuals, families, trusts, endowments, retirement plan sponsors, and business entities primarily in the United States. The firm is recognized for its commitment to transparency, evidence-based investing, and the fiduciary standard. As of September 2025, Cardiff Park supervises approximately $3.0 billion in client assets and maintains a focus on client service over asset accumulation, operating with a small team (fewer than 10 employees), serving high-net-worth clients typically with $3 million or more to invest.
Investment Strategy
Cardiff Park Advisors employs a globally diversified, tax-aware investment strategy centered on index-tracking funds, ETFs, and select strategies informed by decades of academic research. The firm follows Modern Portfolio Theory and the Fiduciary Standard of Care, focusing on simple, transparent portfolio construction rather than forecasting or market timing. They offer customized asset allocation and portfolio design, often recommending Dimensional Fund Advisors (DFA) strategies alongside core index ETFs. For clients with large fixed income needs, they construct individual bond ladders using Treasuries, CDs, and high-quality corporates/municipals. Clients are served on a fixed annual retainer model, not a percentage of assets, and receive comprehensive wealth management tailored to complex, multi-generational needs.
Top Holdings
Equity Positions (348)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
V VTI | VANGUARD INDEX FDS | 13.37% | $155.2M | 510,573 | $235.26 | $303.93 | +$18.3M |
D DFAC | DIMENSIONAL ETF TRUST | 13.12% | $152.3M | 4,250,015 | $28.64 | $35.84 | +$12.0M |
M META | META PLATFORMS INC | 11.26% | $130.7M | 177,118 | $358.25 | $738.09 | +$19.0M |
D DFAX | DIMENSIONAL ETF TRUST | 3.36% | $39.0M | 1,327,506 | $25.80 | $29.37 | +$4.6M |
S SPY | SPDR S&P 500 ETF TR | 2.72% | $31.6M | 51,138 | $473.29 | $617.85 | +$1.3M |
Options Positions (4)
| Ticker | Security | Action | Type | Notional Value | Contracts | Underlying Price | Premium Paid | Change (Contracts) | Change (Value) |
|---|---|---|---|---|---|---|---|---|---|
C CRM | SALESFORCE INC | — | Put | $1.7M | 61 | $272.69 | $290.12 | 0 | +$26.4K |
M META | META PLATFORMS INC | Sold | Put | $1.5M | 20 | $738.09 | $355.47 | -20 | -$829.3K |
G GOOGL | ALPHABET INC | — | Put | $563.9K | 32 | $176.23 | $165.85 | 0 | +$69.1K |
G GOOG | ALPHABET INC | — | Put | $372.5K | 21 | $177.39 | $167.19 | 0 | +$44.4K |