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OneSource Wealth Management
Founded in 2015 and headquartered in Granite Bay, California, OneSource Wealth Management advises individuals, high-net-worth families, profit-sharing plans,...
OneSource Wealth Management
Founded in 2015 and headquartered in Granite Bay, California, OneSource Wealth Management advises individuals, high-net-worth families, profit-sharing plans, and business entities. The firm operates as a state-registered investment advisor, offering financial planning and discretionary portfolio management. Its client base concentrates in the Sacramento metropolitan corridor, drawing from professionals and business owners seeking an independent fiduciary alternative to large bank-affiliated advisors. The firm constructs portfolios across publicly traded securities, primarily using ETFs and mutual funds to build diversified allocations for clients. Standard engagement covers retirement planning, tax-aware asset location, and ongoing rebalancing. OneSource does not deploy capital into private markets, direct deals, or alternative investments — its universe is liquid, transparent, and benchmark-aware. The firm bills on an assets-under-management percentage or flat retainer, depending on client complexity. Public filings with the SEC indicate a discretionary advisory relationship for the majority of clients, meaning OneSource executes trades without prior client approval. As of the last public filings, OneSource reflects the profile of a small independent RIA — a limited number of advisory staff supporting a concentrated book of clients. The firm has not disclosed aggregate assets under management publicly, and no secondary sources report a verifiable figure. The practice appears to operate from a single location in Granite Bay with no additional offices, satellite teams, or affiliated entities. There is no known family office structure, philanthropic vehicle, club membership, or operating business attached to the firm. The structural differentiator for OneSource is its independence. As an RIA, it holds a fiduciary duty to clients — a legal standard that wirehouse brokers at Merrill Lynch or Morgan Stanley serving the same demographic do not automatically share. This creates a genuine compliance posture difference, though the service offering — planning, retirement projections, and managed ETF portfolios — overlaps substantially with what bank-based advisors deliver.
General information
Firm type
Bank / Wealth / Trust
Year founded
2015
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Granite Bay
Corporate office
Granite Bay, CA, United States
Frequently asked questions
Is OneSource Wealth Management a fiduciary?
Yes. As an SEC- or state-registered investment advisor, OneSource is legally bound by the Investment Advisers Act of 1940 to act as a fiduciary for its advisory clients. This means the firm must always place client interests ahead of its own — a higher standard than the suitability requirement that governs broker-dealers. The distinction matters when comparing the firm to wirehouse-based advisors who may operate under dual registration.
Does OneSource invest in private equity, venture capital, or hedge funds?
No. OneSource constructs client portfolios using publicly traded securities — primarily ETFs, mutual funds, and occasionally individual stocks or bonds. There is no indication from its regulatory filings or website that the firm allocates to private credit, venture capital, buyout funds, or any illiquid alternative. The firm competes on planning quality and fiduciary accountability rather than access to exclusive private-market deals.
How does OneSource charge for its services?
OneSource operates on a fee-only basis, billing clients either as a percentage of assets under management or through a flat annual retainer for comprehensive financial planning. The firm does not earn commissions or sell proprietary products. Asset-based fees are charged quarterly in arrears, and the precise percentage typically declines as account size increases — a standard breakpoint structure among independent RIAs.
What is the minimum account size to work with OneSource?
The firm has not published a universal minimum. Like most boutique RIAs, OneSource likely maintains an informal floor — typically in the $250,000 to $500,000 range for ongoing advisory relationships — but may accommodate smaller accounts for planning-only engagements. This reflects the Granite Bay-area cost of living and the client profile attracted to an independent fiduciary in Sacramento's affluent eastern suburbs.
Who makes the investment decisions at OneSource?
The firm's Form ADV — the public disclosure filed with regulators — would identify the individuals responsible for portfolio construction and trade execution. Without internal operating agreements available publicly, it is reasonable to infer that the founding principal or a small investment committee oversees the model portfolios, asset allocation, and rebalancing routines. Client portfolios typically follow a centrally managed strategy rather than individual stock-picking discretion.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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