Our firm provides individuals and other types of clients with asset management and financial planning
and consulting services. Our firm is a corporation formed in the State of California. Our firm has been in
business since 2011 and as a registered investment adviser since 2015 and is wholly owned by Bradley
Lineberger.
Types of Advisory Services Offered
Asset Management:
As part of our Asset Management service clients will be provided asset management and financial
planning or consulting services. This service is designed to assist clients in meeting their financial goals
through the use of a financial plan or consultation. Our firm conducts client meetings to understand their
current financial situation, existing resources, financial goals, and tolerance for risk. Based on what is
learned, an investment approach is presented to the client, consisting of individual stocks, bonds, ETFs,
mutual funds and other public and private securities or investments. Once the appropriate portfolio has
been determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced
based upon the client’s individual needs, stated goals and objectives. Upon client request, our firm
provides a summary of observations and recommendations for the planning or consulting aspects of
this service.
Financial Planning & Consulting:
We provide a variety of standalone financial planning and consulting services to clients for the
management of financial resources based upon an analysis of current situation, goals, and objectives.
Financial planning and consulting services will typically involve preparing a financial plan or rendering
a financial consultation for clients based on the client’s financial goals and objectives. This planning or
consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable
Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate
Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation,
or Business and Personal Financial Planning.
Written financial plans or financial consultations rendered to clients usually include general
recommendations for a course of activity or specific actions to be taken by the clients. Implementation
of the recommendations will be at the discretion of the client. Our firm provides clients with a summary
of their financial situation, and observations for financial planning engagements. Financial consultations
are not typically accompanied by a written summary of observations and recommendations, as the
process is less formal than our planning service. Assuming that all the information and documents
requested from the client are provided promptly, plans or consultations are typically completed within
six (6) months of the client signing a contract with our firm.
Retirement Plan Consulting:
Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing basis.
Generally, such consulting services consist of assisting employer plan sponsors in establishing,
monitoring and reviewing their company's participant-directed retirement plan. As the needs of the
plan sponsor dictate, areas of advising may include:
ADV Part 2A – Firm Brochure Page 5 of 14 Seaside Wealth Management, Inc.
• Establishing an Investment Policy Statement – Our firm will assist in the development
of a
statement that summarizes the investment goals and objectives along with the broad strategies
to be employed to meet the objectives.
• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investment
options and make recommendations for appropriate changes.
• Asset Allocation and Portfolio Construction – Our firm will develop strategic asset allocation
models to aid Participants in developing strategies to meet their investment objectives, time
horizon, financial situation and tolerance for risk.
• Investment Monitoring – Our firm will monitor the performance of the investments and notify
the client in the event of over/underperformance and in times of market volatility.
• Participant Education – Our firm will provide opportunities to educate plan participants about
their retirement plan offerings, different investment options, and general guidance on allocation
strategies.
In providing services for retirement plan consulting, our firm does not provide any advisory services with
respect to the following types of assets: employer securities, real estate (excluding real estate funds and
publicly traded REITS), participant loans, non-publicly traded securities or assets, other illiquid
investments, or brokerage window programs (collectively, “Excluded Assets”). All retirement plan
consulting services shall comply with the applicable state laws regulating retirement consulting
services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”)
governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client
accounts are part of a Plan, and our firm accepts appointment to provide services to such accounts, our
firm acknowledges its fiduciary standard within the meaning of Section 3(21) or 3(38) of ERISA as
designated by the Retirement Plan Consulting Agreement with respect to the provision of services
described therein.
*Use of Pontera to manage assets “held away”: We provide an additional service for accounts not
directly held in our custody, but where we do have discretion, and may leverage an Order Management
System to implement tax-efficient asset location and opportunistic rebalancing strategies on behalf of
the client. These are primarily 401(k) accounts, HSA’s, and other assets we do not custody. We
regularly review the available investment options in these accounts, monitor them, and rebalance and
implement our strategies in the same way we do other accounts, though using different tools as
necessary.
Tailoring of Advisory Services
Our firm offers individualized investment advice to our Asset Management clients. General investment
advice will be offered to our Financial Planning & Consulting and Retirement Plan Consulting clients.
Each Asset Management client may place reasonable restrictions on the types of investments to be held in
the portfolio. Restrictions on investments in certain securities or types of securities may not be possible
due to the level of difficulty this would entail in managing the account.
Participation in Wrap Fee Programs
Our firm does not offer a wrap fee program.
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Regulatory Assets Under Management
As of December 31, 2023, our firm manages $284,791,984. Of these assets, $279,144,007 is managed on
a discretionary basis while $5,647,977 is managed on a non-discretionary basis.