# Charles Malsbury

> Charles Malsbury is a fee-only financial advisor at ThinkPlanSave, LLC in Daly City, California, who holds the CFP and MBA credentials. Charles charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee, hourly fees and a percentage of assets (ongoing planning from $2,400 a year and one-time plans from $6,890) and focuses on flat-fee planning.

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

## Facts

- **Firm:** ThinkPlanSave, LLC
- **Based in:** Daly City, California
- **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee; Hourly; Percentage of assets
- **Fees (firm's website):** ongoing planning from $2,400 a year; one-time plans from $6,890; $325 an hour; 0.5% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $15.9M across 22 accounts
- **Credentials:** CFP, MBA
- **Specialties:** Flat-fee planning
- **CRD:** 6226299 (https://adviserinfo.sec.gov/individual/summary/6226299)
- **SEC registration:** Investment adviser representative in CA
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://thinkplansave.com

## Frequently asked questions

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

Yes. Charles Malsbury 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 a flat fee or retainer, an ongoing planning fee, a one-time planning fee, hourly fees and a percentage of assets.

### How much does Charles charge?

According to ThinkPlanSave, LLC's website, checked October 28, 2026: ongoing planning from $2,400 a year; one-time plans from $6,890; $325 an hour; 0.5% a year on the first tier of assets managed.

### Does Charles work with clients virtually?

Yes. ThinkPlanSave, LLC says on its website that it works with clients remotely.

### Where is Charles Malsbury based?

Charles Malsbury is based in Daly City, California.

### What does Charles specialize in?

Charles's specialties include flat-fee planning.

### What credentials does Charles Malsbury hold?

Charles Malsbury holds the CFP and MBA credentials.

### Is Charles Malsbury registered with the SEC?

Yes. Charles Malsbury is registered as an investment adviser representative in CA (CRD 6226299), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does ThinkPlanSave, LLC manage?

ThinkPlanSave, LLC reports $15.9M across 22 accounts in assets under management.

### How do I contact Charles Malsbury?

Through Charles's website, thinkplansave.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/charles-malsbury-11455): 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://thinkplansave.com/): specialties, clients served, and fees, checked October 28, 2026

---

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