# Heidi Phan

> Heidi Phan is a fee-only financial advisor at Rebalance in Palo Alto, California, who holds the CFP credential. Heidi charges a percentage of assets (a $1,000,000 asset minimum) and focuses on retirement planning, estate & legacy planning and tax planning.

Page: https://find.wellspent.co/advisors/heidi-phan/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Rebalance
- **Based in:** Palo Alto, California
- **Fee model:** Percentage of assets
- **Fees (firm's website):** a $1,000,000 asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.93B across 1,727 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** Pre-retirees
- **CRD:** 7995228 (https://adviserinfo.sec.gov/individual/summary/7995228)
- **SEC registration:** Investment adviser representative in CO
- **Firm size:** 18 employees
- **Disclosures:** None reported
- **Website:** http://www.rebalance360.com

## Frequently asked questions

### Is Heidi Phan a fee-only financial advisor?

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

### How does Heidi charge for financial advice?

Heidi charges a percentage of assets.

### How much does Heidi charge?

According to Rebalance's website, checked October 30, 2026: a $1,000,000 asset minimum.

### Where is Heidi Phan based?

Heidi Phan is based in Palo Alto, California.

### What does Heidi specialize in?

Heidi's specialties include retirement planning, estate & legacy planning and tax planning. Heidi works with pre-retirees.

### What credentials does Heidi Phan hold?

Heidi Phan holds the CFP credential.

### Is Heidi Phan registered with the SEC?

Yes. Heidi Phan is registered as an investment adviser representative in CO (CRD 7995228), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Rebalance manage?

Rebalance reports $1.93B across 1,727 accounts in assets under management.

### How do I contact Heidi Phan?

Through Heidi's website, www.rebalance360.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7995228): 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
- The firm's website (https://rebalance360.com/): specialties, clients served, and fees, checked October 30, 2026

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