# Dean Kernus

> Dean Kernus is a fee-only financial advisor at Willow Creek Financial in San Diego, California, who holds the CFP and PFS credentials. Willow Creek Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/dean-kernus/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Willow Creek Financial
- **Based in:** San Diego, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $528.8M across 873 accounts
- **Credentials:** CFP, PFS
- **CRD:** 4648374 (https://adviserinfo.sec.gov/individual/summary/4648374)
- **SEC registration:** Investment adviser representative in CA, LA
- **Exams passed:** Series 63 (2016), Series 65 (2003)
- **Firm size:** 7 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://www.willowcreekfinancial.com

## Frequently asked questions

### Is Dean Kernus a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Dean holds no broker registration, and Willow Creek Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Dean charge for financial advice?

Dean's firm, Willow Creek Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Dean Kernus based?

Dean Kernus is based in San Diego, California.

### What credentials does Dean Kernus hold?

Dean Kernus holds the CFP and PFS credentials.

### Is Dean Kernus registered with the SEC?

Yes. Dean Kernus is registered as an investment adviser representative in CA and LA (CRD 4648374), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does Willow Creek Financial manage?

Willow Creek Financial reports $528.8M across 873 accounts in assets under management.

### How do I contact Dean Kernus?

Through Dean's website, www.willowcreekfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4648374): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

---

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