# John Malaney

> John Malaney is a fee-only financial advisor at Engineering Financial Independence in Poway, California. Engineering Financial Independence reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Engineering Financial Independence
- **Based in:** Poway, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $5.0M across 45 accounts
- **CRD:** 7535924 (https://adviserinfo.sec.gov/individual/summary/7535924)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 65 (2021)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://www.engineeringfi.net/

## Frequently asked questions

### Is John Malaney a fee-only financial advisor?

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

### How does John charge for financial advice?

John's firm, Engineering Financial Independence, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is John Malaney based?

John Malaney is based in Poway, California.

### Is John Malaney registered with the SEC?

Yes. John Malaney is registered as an investment adviser representative in CA (CRD 7535924), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Engineering Financial Independence manage?

Engineering Financial Independence reports $5.0M across 45 accounts in assets under management.

### How do I contact John Malaney?

Through John's website, www.engineeringfi.net.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7535924): 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

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