DOUGLAS FRAZIER, CFP®, AIF®
LPL Financial Advisor
Phone: (949) 660-8777 x117
Mobile: (949) 212-5920
douglas.frazier@pencewealth.com
With over 25 years of experience, Doug Frazier understands that a thoughtful approach to working with families is essential for a successful financial planning relationship. Recognizing the critical importance of communication, Doug focuses on holistic planning tailored to each client’s unique needs. He firmly believes that there is no room for a cookie-cutter method in financial advisory services. Whether assisting clients in working toward a comfortable retirement or crafting estate plans to care for their loved ones and cherished organizations, Doug possesses the knowledge, skills, and ability to design and implement diversified investment portfolios.
Doug has been a Financial Advisor with Pence Wealth Management since 2007 and holds the prestigious Certified Financial Planner™ (CFP©) designation. Pence Wealth Management has been listed as one of Forbes Top RIA Firms from 2021-2024 as well as Barron’s Top 100 Private Wealth Management Teams in 2021. Doug completed his undergraduate degree in Finance at San Diego State University and has also completed coursework at The Booth School of Business, USC, UCLA, and UCI.
As a high-performing advisor recognized by LPL in the top 10%, Doug is an 8-time recipient of LPL’s Directors Club Award (2015-2022) and LPL’s Masters Club Award (2024)—distinctions awarded to select advisors for their business success. Beyond his professional achievements, Doug is passionate about competitive motorsports, having raced at renowned venues such as Daytona, Laguna Seca, and Sebring. An outdoor enthusiast, he enjoys golfing, tennis, surfing, and scuba diving.
“I had utilized the services of Doug and PWM for a number of years and was very pleased with their services. Interestingly, after a period of years, I elected to consolidate my personal portfolio with my employer’s 401k plan that was managed at one of the big brokerage firms. After a period of time, I realized that the financial counseling/investment services offered by the “big firm” lagged the financial guidance provided by Doug and PWM. Thus, I have elected to return to Doug and PWM. I am glad that Doug and PWM are once again managing my investment portfolio and will be shortly managing my retirement portfolio as well.
Since I am currently contemplating retirement, Doug has provided excellent financial counseling and has offered an array of retirement and investment alternatives. Doug is well versed in market and investment strategies and closely listens to your investment, retirement and personal goals. He then develops a detailed personalized plan and takes the time to present the various alternatives to achieve your lifetime goals. Most importantly, while I have an extensive professional financial background, my wife is a homemaker and thus has no financial background or interest. However, my wife is also very pleased and comfortable with Doug as he takes the time to make sure she understands the customized financial plans he has developed.
Like in the Wizard of Oz movie, you can go back to “Kansas” and I am more than happy my wife and I have gone back to “Doug and PWM!” We are confident that with Doug’s guidance and assistance we will have the “Quality of Life” in retirement my wife and I worked so long to achieve.”1
“For over 10 years I’ve had the pleasure of working with Doug Frazier as my financial advisor for the planning and execution of retirement. I’m thoroughly impressed with his expertise and professionalism. From our initial consultation, it was clear that Doug possesses a deep understanding of retirement strategies and took the time to tailor a plan unique to my financial situation and goals. I retired in 2020, it was uncertain times, Doug gave me sound advice to remain calm and stay on course. Doug is exceptional in breaking down complex financial concepts into easily understandable terms, which made me feel confident in making decisions. Today, he continues to manage my portfolio to support my long-term financial goals and also advise of strategies for tax efficiency and investment growth.
What stands out most is Doug’s commitment to ongoing support and communication. He is always available to answer my questions and made regular updates to ensure my plan remained on track. His proactive approach and attention to detail gave me peace of mind about my financial future. Also, Doug has been there as a friend, supporting me through personal life events. Overall, I highly recommend Doug to anyone seeking expert guidance on retirement planning. His professionalism, expertise, and personalized approach have made a significant positive impact on my financial security.”2
“Having been in Southern CA for over 26 years, I was introduced to LPL Financial 20+ years ago. At the time, the Financial Advisor that was assigned to us was good, but we were not overly impressed with his suggestions and/or recommendations during our brief relationship. Subsequentially, thereafter, we were assigned Doug Frazier. Like anything in business, regardless of the product or service, everything is predicated on “relationships.” Over the last 20+ years, I/we have gotten to know Doug, more and more each year, whereby our relationship, although mostly financial, also allows us to discuss family, when necessary and appropriate, as well as day to day comings and goings. Many, many of our conversations involve global issues around the world which has a direct impact in any and all of our final financial decisions. Doug is a highly respected financial advisor within the company he represents, that gives prudent financial advice, based on his expertise and experience throughout his career that is needed to meet YOUR individual needs, requirements and expectations.
He clearly articulates and explains the reasons for any position recommended, as well as pointing out the pluses(pros) and minuses(cons) of each decision. Doug does not try to persuade or convince you on what may or may not be best for Doug or the company, but clearly what is in the best interests of his client(s). In summary, I would highly recommend Doug for his knowledge and expertise regarding any financial need(s), that you may require, to meet the objectives of your short and long term requirements within your personal financial profile.”3
“Doug Frazier has been my trusted financial advisor for the past 10 years, and I am continually impressed by the level of service, expertise, and care he brings to managing my portfolio. From the very beginning of our professional relationship, Doug has demonstrated exceptional professionalism and an in-depth understanding of the financial markets. His ability to anticipate trends and identify opportunities has been key to building a strategy that aligns with my goals, even in the face of changing economic conditions. One of Doug’s greatest strengths is his attentiveness. He is always quick to respond to my questions, whether by phone, email, or during in-person meetings. His responsiveness reassures me that my financial well-being is a top priority. Doug takes the time to truly listen and ensure that every decision we make is consistent with my long-term objectives. His recommendations are always well thought out, and I trust his judgment implicitly.
Doug’s engaging and approachable personality is another factor that makes working with him such a pleasure. He takes what could otherwise be an intimidating process and makes it easy to understand and even enjoyable. Doug is always eager to meet and discuss options, ensuring I have the knowledge and confidence needed to make informed decisions. Over the years, Doug has become a valued partner in my overall financial journey. His dedication to helping me achieve my goals, coupled with his expertise and passion for his work, truly sets him apart. I couldn’t recommend Doug more highly to anyone seeking a financial advisor who combines professionalism, market knowledge, responsiveness, and a genuine commitment to his clients’ success.”4
“Doug has been a great source of expertise and support in my life for over 5 years. As a woman early in my career, trust and collaboration are extremely important to me when it comes to financial planning. From the get go, he attuned to my needs and goals, thoroughly educated me about financial concepts in an understandable way, and executed a plan that has served me very well in my financial needs. In addition to his professional services, Doug’s heart shows through in all he does for me and my family. He has gone above and beyond for us, during some major life challenges and transitions. He has been truly like family to us. Doug has been invaluable to me and I can confidently recommend his services. I’m endlessly grateful for all he has done!”5
“Douglas Frazier has been my financial planner since 2014. Prior to being introduced to Doug at the Honda Federal Credit Union, most of my money was sitting in CD’s and money market accounts. I didn’t know how to go about finding a knowledgeable and trustworthy financial planner to help me with an investment strategy. I feel comfortable asking Doug questions and he is always willing to explain. His communication style matches mine and he understands my needs and values. I trust that Doug is acting in my best interests when making investment recommendations. I wouldn’t have referred Doug to my coworkers and family members if I didn’t believe he manages my investments with expertise and prioritizes my interests and goals over his own.”6
“I have had the pleasure of working with Doug for approximately 15 years, and I have been extremely satisfied with the results he has delivered for my portfolio. Doug is always punctual and genuinely cares about my needs whenever I reach out to him. He makes it a point to check in periodically, ensuring that my portfolio is fine-tuned and aligned with my goals. As my husband and I approach retirement, Doug has provided us with sound, thoughtful advice. Although we moved from California to North Carolina about 10 years ago, I have chosen to continue working with Doug despite the challenges posed by the time difference. I have complete confidence in Doug Frazier; he has consistently demonstrated his expertise, and I feel secure in his hands.”7
“I am writing to share my positive experience with my financial advisor, Douglas Frazier. His expertise and guidance have been invaluable in helping me. He simplified complex financial concepts, provided personalized advice, and always made me feel confident in my financial decisions. Douglas utilizes state-of-the-art tools and platforms, which have made tracking my investments and updating financial plans both convenient and efficient. His adaptability to new technologies showcases his commitment to providing top-notch service.
We have referred him to numerous members of our family which I appreciate on how he takes the time to understand their unique financial situation and tailor his advice accordingly. In summary, Douglas has consistently gone above and beyond to support my financial goals. His expertise, coupled with a genuine concern for my welfare, has made him an invaluable part of my financial journey. I wholeheartedly recommend Douglas Frazier to anyone seeking a knowledgeable and trustworthy financial advisor.”8
“Doug is a fabulous investment advisor. My wife and I are very happy with his advice and service. Doug is available 24/7 to answer all of our questions and concerns. More importantly he is extremely pro-active which we appreciate. Doug will always keep us closely advised. He further provides timely and excellent advice on what the economy is prognosticated to do over the next 3 to 6 months based on geo-political conditions and what the Federal Reserve is expected to do. All in all, we could not ask for a better investment advisor and look forward to working with Doug for years to come.”9
Forbes America’s Top RIA Firm’s ranking was developed by SHOOK Research. RIA Firm refers to those that are registered directly through the SEC as a registered investment advisor, those that file their form ADV within a corporate umbrella, or recognized practice groups associated with such a firm under a corporate umbrella. Rankings are based on in-person, virtual and telephone due diligence meetings and a ranking algorithm that includes: a measure of each firm’s best practices, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. SHOOK’s research and rankings provide opinions intended to help investors choose the right financial advisor and firm, and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. Neither Forbes nor SHOOK Research receive compensation in exchange for placement on the ranking.
The Forbes ranking of America’s Top RIA Firms, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone, virtual and in-person due diligence interviews, and quantitative data. The algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices and approach to working with clients. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK receive a fee in exchange for rankings.
As of 10/29/2024, the total assets serviced by PWM through LPL Financial consist of over $1.99 billion in advisory and $270 million in brokerage assets.
Barron’s Top 100 Private Wealth Management Teams (2021) is based on assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.
Douglas Frazier is a registered representative with, and securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA. SIPC.
- This statement is a testimonial by a client of the financial professional as of 08/26/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 08/26/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 08/14/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 12/30/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 11/27/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 12/30/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 12/30/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 01/08/2025. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
- This statement is a testimonial by a client of the financial professional as of 10/15/2024. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
LEARN MORE ABOUT US
Our team members have spent decades in the industry, providing financial guidance for clients like you.
Since 1980, our advisors have worked closely with clients to discuss and learn their various goals and needs.
With more than 30 years of experience, our approach has helped us navigate through the minefields of the markets.
LPL Financial was founded with a vision to help financial advisors establish successful businesses.
Request An Appointment
At Pence Wealth, we believe that good financial decisions don’t have to be confusing.
If you have any questions or want to schedule a complimentary meeting to discuss your specific questions, please do not hesitate to contact us.
SUBSCRIBE TO OUR EVENT UPDATES
Our events create an opportunity for you to get to know us and our process. If you have some challenges, please join one of our events to get your questions answered. If you’re interested, please subscribe and we’ll keep you updated on our upcoming scheduled events.
