# Charles Ho

> Charles Ho is a fee-only financial advisor at Legacy Builders Financial in Folsom, California, who holds the CFP credential. Charles charges an ongoing planning fee (ongoing planning from $3,000 a year).

Page: https://find.wellspent.co/advisors/charles-ho/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Legacy Builders Financial
- **Based in:** Folsom, California
- **Fee model:** Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $3,000 a year
- **Assets under management (firm):** $13.7M across 73 accounts
- **Credentials:** CFP
- **CRD:** 5370565 (https://adviserinfo.sec.gov/individual/summary/5370565)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 66 (2007)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://legacybuildersfinancial.com

## Frequently asked questions

### Is Charles Ho a fee-only financial advisor?

Yes. Charles Ho is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Charles's firm.

### How does Charles charge for financial advice?

Charles charges an ongoing planning fee.

### How much does Charles charge?

According to Legacy Builders Financial's website, checked October 28, 2026: ongoing planning from $3,000 a year.

### Where is Charles Ho based?

Charles Ho is based in Folsom, California.

### What credentials does Charles Ho hold?

Charles Ho holds the CFP credential.

### Is Charles Ho registered with the SEC?

Yes. Charles Ho is registered as an investment adviser representative in CA (CRD 5370565), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Legacy Builders Financial manage?

Legacy Builders Financial reports $13.7M across 73 accounts in assets under management.

### How do I contact Charles Ho?

Through Charles's website, legacybuildersfinancial.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/charles-ho-10464): XYPN members are 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://legacybuildersfinancial.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.