# Andy Moran

> Andy Moran is a fee-only financial advisor at Ad Astra Financial Planning in Santa Rosa, California, who holds the CFP credential. Andy charges a flat fee or retainer and a subscription (ongoing planning from $8,400 a year and no asset minimum) and focuses on crypto & digital assets, small business owners and retirement planning.

Page: https://find.wellspent.co/advisors/andy-moran/
Built from public directory listings; last checked April 25, 2026.

## Facts

- **Firm:** Ad Astra Financial Planning
- **Based in:** Santa Rosa, California
- **Fee model:** Flat fee or retainer; Subscription
- **Fees (firm's website):** ongoing planning from $8,400 a year; no asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $100M - $500M
- **Credentials:** CFP
- **Specialties:** Crypto & digital assets, Small business owners, Retirement planning, Family wealth transfer, Equity compensation, Sustainable & impact investing, Pension planning, Flat-fee planning, Tax planning, Estate & legacy planning, Retirement with concentrated positions
- **Works with:** HENRY (High Earners, Not Rich Yet), High earners, Ultra high net worth, Executives, Founders, Early-career professionals, Pre-retirees, Retirees, Multi-generational families, Tech employees
- **CRD:** 7684831 (https://adviserinfo.sec.gov/individual/summary/7684831)
- **SEC registration:** Investment adviser representative in CA, MO, TX
- **Exams passed:** Series 65 (2021)
- **Firm size:** 65 employees
- **Disclosures:** None reported
- **Website:** https://adastrafp.com

## About

Andy Moran is a CERTIFIED FINANCIAL PLANNER® who spent nearly a decade as a software engineer before making the switch to financial planning. They built Ad Astra because tech professionals deserve an advisor who actually understands them and their world.

Offering flat-fee financial planning for tech professionals navigating RSUs, stock options, tender offers, IPOs, and financial independence.

## Frequently asked questions

### Is Andy Moran a fee-only financial advisor?

Yes. Andy Moran is listed in the public advisor directory (listed as fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Andy's firm.

### How does Andy charge for financial advice?

Andy charges a flat fee or retainer and a subscription.

### How much does Andy charge?

According to Ad Astra Financial Planning's website, checked October 28, 2026: ongoing planning from $8,400 a year; no asset minimum.

### Does Andy work with clients virtually?

Yes. Ad Astra Financial Planning says on its website that it works with clients remotely.

### Where is Andy Moran based?

Andy Moran is based in Santa Rosa, California.

### What does Andy specialize in?

Andy's specialties include crypto & digital assets, small business owners, retirement planning, family wealth transfer, equity compensation and sustainable & impact investing. Andy works with HENRY (High Earners, Not Rich Yet), high earners, ultra high net worth, executives and founders.

### What credentials does Andy Moran hold?

Andy Moran holds the CFP credential.

### Is Andy Moran registered with the SEC?

Yes. Andy Moran is registered as an investment adviser representative in CA, MO and TX (CRD 7684831), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Ad Astra Financial Planning manage?

Ad Astra Financial Planning reports $100M - $500M in assets under management.

### How do I contact Andy Moran?

Through Andy's website, adastrafp.com.

## Sources

- Public advisor directory: listed as fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://adastrafp.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.