One San Diego Financial Strategies

What One San Diego Financial Strategies does

One San Diego Financial Strategies, doing business as One Pacific Financial Strategies, is a privately held, independent financial advisory firm headquartered at 5857 Owens Avenue, Suite 300, Carlsbad, California. The firm was founded in 2019 and operates with a small team of 11-50 staff organized under a multi-partner structure led by Managing Partner Derek M. McDougall. Its core offering is personalized financial planning, delivered through five service lines: asset management, retirement planning, risk management, estate planning, and the Asset-Map 'Financially Organized' client organization tool, supplemented by an educational resource center of articles, videos, and calculators. The firm explicitly states it is not a broker-dealer or registered investment advisor; rather, it operates as a General Agency appointed with the insurance companies of OneAmerica Financial, and distributes securities through OneAmerica Securities, Inc., a FINRA/SIPC-registered investment advisor.

The firm's revenue mechanics rest on two regulated channels: recurring advisory fees on assets managed through OneAmerica Securities, and commission or override income on life insurance and related products placed through its OneAmerica Financial General Agency appointment. GTM is sales-led, executed through direct client consultations, professional referrals, and content marketing aimed at high-net-worth individuals and small-to-medium business owners in California. Customer segments are horizontal, with affluent individuals and families as the primary segment and business owners (with retirement plans, succession, and risk management needs) as a secondary segment. Pricing is not publicly disclosed and is structured as subscription/recurring engagements with annual billing cadence, likely combining AUM percentage, flat fees, or hourly rates depending on scope.

The technology stack is conventional for an independent advisory practice: financial planning software, interactive calculators, and a content/CRM website. There is no disclosed proprietary technology, no mobile application, no API surface, and no AI/ML capabilities. Distribution is exclusively domestic, anchored in California with a stated (but undemonstrated) possibility of multi-state activity under CA Insurance License #0E94275. The firm holds no patents, trademarks, or external awards disclosed in source materials, and has no disclosed funding, M&A, or ownership events.

Name

One San Diego Financial Strategies

Legal name

One Pacific Financial Strategies

Website

https://onesandiegofs.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

One San Diego Financial Strategies (One Pacific Financial Strategies) is a Carlsbad, California-based independent financial advisory firm offering asset management, retirement, risk, and estate planning primarily to high-net-worth individuals and business owners, distributing securities through OneAmerica Securities and insurance through OneAmerica Financial.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Financial planning services
• Retirement planning
• Asset management
• Estate planning
• Risk management

Headquarters

HQ city

Carlsbad

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Financial Planning Services: Comprehensive financial planning services including asset management, retirement planning, risk management, and estate planning for individual and business clients.
2. Insurance Products: Life insurance and related insurance products offered through General Agency appointment with OneAmerica Financial insurance companies.
3. Securities Advisory: Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, generating advisory fees for investment management services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

One San Diego Financial Strategies (operating as One Pacific Financial Strategies) provides personalized financial planning services to individuals and business owners, including asset management, retirement planning, risk management, and estate planning. The firm works as a General Agency appointed with OneAmerica Financial's insurance companies and offers securities through OneAmerica Securities, Inc., a Registered Investment Advisor.

Product overview

One Pacific Financial Strategies offers a comprehensive suite of financial planning services centered around personalized advisory. The core offerings include Asset Management, Retirement Planning, Risk Management, Estate Planning, and Asset-Map (financial organization) services. These services are complemented by educational resources including calculators, a video library, and articles covering topics such as retirement, investment, estate, insurance, tax, and lifestyle planning. The firm works with both internal resources and outside partners to create custom financial plans tailored to individual client needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset Management Professional management of investment portfolios and assets tailored to individual client needs and financial goals. Delivered to clients of the firm's financial advisory practice.
• Retirement Planning Strategic planning for retirement including guidance on retirement accounts, income planning, and lifestyle considerations. Delivered to individuals preparing for or transitioning into retirement.
• Risk Management Identification and management of financial risks including insurance strategies and protective measures. Delivered to individual clients and business owners.
• Estate Planning Planning services to help clients organize and manage their estate, ensuring orderly transfer of assets. Delivered to individual clients and families.
• Asset-Map (Financially Organized) A tool to help clients organize their financial picture and achieve financial clarity and organization. Provided to clients of the firm.
• Business Planning Customized business planning strategies created in conjunction with outside resources to support business owners. Delivered to small and medium business owners.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• OneAmerica FinancialcoreStrategic or Co-development PartnerOne Pacific Financial Strategies is a General Agency appointed with the insurance companies of OneAmerica Financial. This partnership provides access to insurance products and underwriting for client risk management needs.
• OneAmerica Securities, Inc.coreChannel Partner/ Reseller/ DistributorSecurities offered through OneAmerica Securities, Inc., a Registered Investment Advisor and Member of FINRA and SIPC. This enables the firm to offer investment management and securities products to clients through a regulated distribution channel.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Modera Wealth Management: Fee-only financial planning and wealth management firm serving HNW individuals, families, and small-business owners. Comparable in comprehensive planning services, fee-only orientation, and HNW-plus-business-owner client profile.
• Halbert Hargrove: California-based (Long Beach) independent wealth advisory providing comprehensive financial planning, investment management, retirement, and estate planning to HNW individuals and families. Closest direct peer given overlapping California footprint, comprehensive planning scope, and HNW individual focus.
• Aspiriant: California-headquartered (Los Angeles) independent RIA providing fee-only comprehensive financial planning and investment management to HNW individuals and families. Strong geographic and service-scope overlap with One San Diego's California-anchored HNW focus.
• Ronald Blue Trust: National Christian-affiliated financial planning firm offering comprehensive wealth, retirement, estate, and charitable planning to HNW clients. Comparable in planning-led, fee-based model with multi-state footprint ambition.
• Carson Group: Partner-led advisory firm offering financial planning, asset management, retirement, insurance, and business solutions to HNW clients through a network of partner advisors. Highly comparable multi-product, partner-driven model that recruits and supports producing advisors much like One San Diego's structure.
• Pure Financial Advisors: Independent RIA delivering financial planning, investment management, retirement, tax, and estate services to HNW individuals. Comparable comprehensive planning scope and California presence with similar target client.
• Buckingham Strategic Wealth: Independent, partner-owned RIA providing comprehensive financial planning, investment management, retirement, tax, and estate services to HNW individuals. Comparable in fiduciary, planning-led positioning and partner-ownership model serving similar client segments.

Emerging players

• Facet Wealth: Tech-enabled financial planning firm delivering comprehensive planning via a hybrid digital-plus-CFP model to mass-affluent and HNW clients. Comparable in comprehensive planning services, but differentiated by a digitally-led delivery model that contrasts One San Diego's in-person advisory approach.

Broad incumbents

• Sanctuary Wealth: Independent advisor platform supporting partner-owned wealth management firms with compliance, technology, and operational infrastructure. Comparable in supporting the partner-led independent advisor model, though at a larger platform scale.
• Creative Planning: Large, partner-led independent RIA offering comprehensive financial planning, asset management, retirement, estate, and tax services to HNW individuals and business owners. Directly comparable in service mix and partner-driven growth model, though operating at materially greater scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/OneSanDiegoFS

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about One San Diego Financial Strategies