# James Freeman

> James Freeman is a fee-only financial advisor at Financial Alternatives, Inc. in La Jolla, California, who holds the CFP credential. James charges a percentage of assets (1% a year on the first tier of assets managed).

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

## Facts

- **Firm:** Financial Alternatives, Inc.
- **Based in:** La Jolla, California
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Assets under management (firm):** $614.8M across 1,258 accounts
- **Credentials:** CFP
- **CRD:** 1397759 (https://adviserinfo.sec.gov/individual/summary/1397759)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 63 (1985)
- **Firm size:** 13 employees
- **Disclosures:** None reported
- **Website:** http://financialalternatives.com

## Frequently asked questions

### Is James Freeman a fee-only financial advisor?

Yes. James Freeman is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by James's firm.

### How does James charge for financial advice?

James charges a percentage of assets.

### How much does James charge?

According to Financial Alternatives, Inc.'s website, checked October 28, 2026: 1% a year on the first tier of assets managed.

### Does James work with clients virtually?

Yes. Financial Alternatives, Inc. says on its website that it works with clients remotely.

### Where is James Freeman based?

James Freeman is based in La Jolla, California.

### What credentials does James Freeman hold?

James Freeman holds the CFP credential.

### Is James Freeman registered with the SEC?

Yes. James Freeman is registered as an investment adviser representative in CA and TX (CRD 1397759), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Financial Alternatives, Inc. manage?

Financial Alternatives, Inc. reports $614.8M across 1,258 accounts in assets under management.

### How do I contact James Freeman?

Through James's website, financialalternatives.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/1212): NAPFA admits only fee-only advisors
- 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.financialalternatives.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.