# Justin Waller

> Justin Waller is a fee-only financial advisor at Waller Financial Coaching in Folsom, California, who holds the CEPA and CFP credentials. Justin charges a flat fee or retainer and focuses on retirement planning and flat-fee planning.

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

## Facts

- **Firm:** Waller Financial Coaching
- **Based in:** Folsom, California
- **Fee model:** Flat fee or retainer
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $90.9M across 461 accounts
- **Credentials:** CEPA, CFP
- **Specialties:** Retirement planning, Flat-fee planning
- **Works with:** Pre-retirees
- **CRD:** 3098675 (https://adviserinfo.sec.gov/individual/summary/3098675)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 66 (2000)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://wallerfc.com

## Frequently asked questions

### Is Justin Waller a fee-only financial advisor?

Yes. Justin Waller 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 Justin's firm.

### How does Justin charge for financial advice?

Justin charges a flat fee or retainer.

### Where is Justin Waller based?

Justin Waller is based in Folsom, California.

### What does Justin specialize in?

Justin's specialties include retirement planning and flat-fee planning. Justin works with pre-retirees.

### What credentials does Justin Waller hold?

Justin Waller holds the CEPA and CFP credentials.

### Is Justin Waller registered with the SEC?

Yes. Justin Waller is registered as an investment adviser representative in CA and TX (CRD 3098675), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Waller Financial Coaching manage?

Waller Financial Coaching reports $90.9M across 461 accounts in assets under management.

### How do I contact Justin Waller?

Through Justin's website, wallerfc.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/38103): 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://wallerfc.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.