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Advisor

Kevin Apolinar

Financial planner for Christians

Behavior Shift · Murrieta, California

Kevin Apolinar is a fee-only financial advisor at Behavior Shift in Murrieta, California. Kevin charges a one-time planning fee, a subscription and hourly fees (ongoing planning from $3,000 a year and one-time plans from $500) and focuses on retirement planning, sustainable & impact investing and pension planning.

One-time planning feeSubscriptionHourly Fee-only Fiduciary

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Specialties

Who they serve

  • HENRY (High Earners, Not Rich Yet)
  • Early-career professionals
  • Pre-retirees
  • Physicians

About

Kevin is the CEO of Behavior Shift, which is a fee-only firm, meaning the only compensation they receive is from their Clients for their services. He is here to help clients organize and manage their financial lives. Their support allows clients to stay committed to their financial goals. They provide objective insights to help clients make rational decisions regarding critical financial matters, avoiding emotional influences. They work on anticipating key life transitions to ensure that their clients are financially prepared. They present clients with the specific knowledge they need to succeed in their financial journey. They partner with their clients to manage their time, talent, and treasure.

Kevin's life is a testament to his unwavering dedication and resilience, a commitment deeply rooted in his service. His work, strength, and everything he does is dedicated to Jesus, the crucified and resurrected King, as he acknowledges the daily challenges and the gift of salvation he has received through Jesus's death and resurrection on the cross.

Kevin's journey, born and raised in the Philippines, is a unique narrative that resonates with many. Drawing strength from his Filipino work ethic and radical hospitality, he takes pride in being a bridge for fellow immigrants.

Kevin served in the United States Army for over 13 years. His roles as a Recruiter, Drill Sergeant, and Instructor for the Alaska Army National Guard have instilled discipline and patriotism in him, enriching his approach to leadership and service in the financial sector. Kevin prioritizes understanding each client and explaining the investment world in relatable terms. He graduated from the University of Alaska Anchorage with a leadership degree and is pursuing designations like Chartered Financial Client and Certified Financial Planner. Additionally, he is working towards a Master's Degree in Financial Planning.

Family is paramount to Kevin. Parenting his son, Frank, and daughter, Max, with his wife, Melissa, is a beautiful journey that profoundly shapes his values and approach to life. Quality time with his family is cherished and integral to his core values, reinforcing the importance of love, support, and togetherness.

Grateful for the support and guidance he has received throughout his journey, Kevin aspires to give back and enhance the lives of those within his sphere of influence. He believes in the collective strength to rise, prevail, and overcome obstacles together. He is honored and pleased to guide, partner, and connect with his clients.

Services

  • 401(k) & IRA Management
  • Asset Allocation
  • Cash Flow Planning
  • Charitable Giving
  • Debt Management
  • Education Planning
  • College/Education Planning
  • ESG/Impact Investing
  • Estate Planning
  • Financial Advice & Coaching
  • Insurance Planning
  • Investment Management
  • Financial Planning
  • Insurance/Risk Management
  • Life Transition Planning
  • Portfolio Management
  • Portfolio Rebalancing
  • Retirement Planning
  • Risk Management
  • Social Security Planning
  • Tax Strategy
  • Wealth Management

Facts

FirmBehavior Shift
Based in Murrieta, California
Fee modelOne-time planning fee · Subscription · Hourly
Fees (firm's website)Ongoing planning from $3,000 a year · One-time plans from $500 · $200 an hour · 0.75% a year on the first tier of assets managed
Accepting new clientsYes
Assets under managementUnder $25M
Firm founded2024
Firm size1 employee
Investment approachPassive management
SEC registration Investment adviser representative in CA · CRD 7662897
Exams passedSeries 66 (2023)
Firm size1 employee
Disclosures None reported
Websitewww.behavior-shift.com
LinkedInProfile

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Questions about Kevin

Is Kevin Apolinar a fee-only financial advisor?

Yes. Kevin Apolinar is listed in the public advisor directory (listed as fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Kevin's firm.

How does Kevin charge for financial advice?

Kevin charges a one-time planning fee, a subscription and hourly fees.

How much does Kevin charge?

According to Behavior Shift's website, checked October 28, 2026: ongoing planning from $3,000 a year; one-time plans from $500; $200 an hour; 0.75% a year on the first tier of assets managed.

Where is Kevin Apolinar based?

Kevin Apolinar is based in Murrieta, California.

What does Kevin specialize in?

Kevin's specialties include retirement planning, sustainable & impact investing, pension planning and tax planning. Kevin works with HENRY (High Earners, Not Rich Yet), early-career professionals, pre-retirees and physicians.

Is Kevin Apolinar registered with the SEC?

Yes. Kevin Apolinar is registered as an investment adviser representative in CA (CRD 7662897), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

How much does Behavior Shift manage?

Behavior Shift reports Under $25M in assets under management.

How do I contact Kevin Apolinar?

Through Kevin's website, www.behavior-shift.com.

What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms

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