# Francisco Ayala

> Francisco Ayala is a fee-only financial advisor at The Coleridge Group in Phoenix, Arizona, who holds the CFA, CFP and MBA credentials. Francisco charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $4,800 a year and no asset minimum) and focuses on tax planning, estate & legacy planning and student loans.

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

## Facts

- **Firm:** The Coleridge Group
- **Based in:** Phoenix, Arizona
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $4,800 a year; no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $56.0M across 106 accounts
- **Credentials:** CFA, CFP, MBA
- **Specialties:** Tax planning, Estate & legacy planning, Student loans, Small business owners, Equity compensation
- **Works with:** High earners
- **CRD:** 4645478 (https://adviserinfo.sec.gov/individual/summary/4645478)
- **SEC registration:** Investment adviser representative in AZ, CA
- **Exams passed:** Series 63 (2009)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://coleridgegroup.com

## Frequently asked questions

### Is Francisco Ayala a fee-only financial advisor?

Yes. Francisco Ayala is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and 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 Francisco's firm.

### How does Francisco charge for financial advice?

Francisco charges a flat fee or retainer and an ongoing planning fee.

### How much does Francisco charge?

According to The Coleridge Group's website, checked October 28, 2026: ongoing planning from $4,800 a year; no asset minimum.

### Where is Francisco Ayala based?

Francisco Ayala is based in Phoenix, Arizona.

### What does Francisco specialize in?

Francisco's specialties include tax planning, estate & legacy planning, student loans, small business owners and equity compensation. Francisco works with high earners.

### What credentials does Francisco Ayala hold?

Francisco Ayala holds the CFA, CFP and MBA credentials.

### Is Francisco Ayala registered with the SEC?

Yes. Francisco Ayala is registered as an investment adviser representative in AZ and CA (CRD 4645478), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does The Coleridge Group manage?

The Coleridge Group reports $56.0M across 106 accounts in assets under management.

### How do I contact Francisco Ayala?

Through Francisco's website, coleridgegroup.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/46584): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: 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://www.coleridgegroup.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.