Isaac J. Cardoza

PACIFIC WEALTH MANAGEMENT

San Diego, CA 92130

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CRD#: 6804166

Professional summary

Isaac J Cardoza, who also goes by Isaac Cardoza, is a registered financial advisor currently at PACIFIC WEALTH MANAGEMENT located in San Diego, California.

Isaac is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2022. Isaac has worked at 2 firms and has passed the Series 66, Series 7TO and SIE exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Isaac Cardoza

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Isaac J Cardoza's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

November 7, 2023 - Present

PACIFIC WEALTH MANAGEMENT

Office #1: 11512 El Camino Real Ste 350, San Diego, CA 92130

RIA

CRD#: 113217

San Diego, CA

Past

June 15, 2022 - November 7, 2023

COMMONWEALTH FINANCIAL NETWORK

RIA

CRD#: 8032

San Diego, CA

Past

April 4, 2022 - November 7, 2023

COMMONWEALTH FINANCIAL NETWORK

CRD#: 8032

San Diego, CA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

PACIFIC WEALTH MANAGEMENT

KHJ ASSOCIATES, LLC | PACIFIC WEALTH MANAGEMENT, LLC | PACIFIC WEALTH MANAGEMENT | PACIFIC DIVORCE MANAGEMENT

CRD#: 113217 / SEC#: 801-77277

RIA

Registered Investment Advisory firm - (11/14/2012 Approved)

California

Registered Investment Advisory firm - (11/28/2012 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

California
(11/7/2023)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 6/11/2022

Uniform Combined State Law Examination

General Industry/Product Exam

Series 7TO

Date: 4/2/2022

General Securities Representative Examination

General Industry/Product Exam

SIE

Date: 4/3/2021

Securities Industry Essentials Examination

Current Firm

PACIFIC WEALTH MANAGEMENT

KHJ ASSOCIATES, LLC | PACIFIC WEALTH MANAGEMENT, LLC | PACIFIC WEALTH MANAGEMENT | PACIFIC DIVORCE MANAGEMENT

CRD#: 113217 / SEC#: 801-77277

RIA

Registered Investment Advisory firm - (11/14/2012 Approved)

California

Registered Investment Advisory firm - (11/28/2012 Terminated)

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Contact information

Main Address

11512 El Camino Real Ste 350, San Diego, CA 92130

Mailing Address

Phone number

(858) 509-9797

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (5 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORMADVPART2A (3/28/2025)

Regulatory assets under management

Total Number of Accounts	524
AUM (Assets Under Management)	$ 317,620,996

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Isaac J. Cardoza

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Isaac J Cardoza's CRS (Customer Relationship Summary).

Certified licenses

Experience

PACIFIC WEALTH MANAGEMENT

COMMONWEALTH FINANCIAL NETWORK

COMMONWEALTH FINANCIAL NETWORK

Primary Firm SEC Registration

PACIFIC WEALTH MANAGEMENT

State Registrations and Notice Filings

Exams

Series 66

Date: 6/11/2022

Series 7TO

Date: 4/2/2022

SIE

Date: 4/3/2021

Current Firm

PACIFIC WEALTH MANAGEMENT

Contact information

SEC notice filing (5 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

PACIFIC WEALTH MANAGEMENT

TRUST BUT VERIFY

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