# Krystal Fortner > Krystal Fortner is a fee-only financial advisor at Krystal Fortner in Richmond, California, who holds the CFP credential. Krystal charges a subscription and a one-time planning fee (ongoing planning from $3,750 a year and one-time plans from $5,500) and focuses on tax planning and retirement planning. Page: https://find.wellspent.co/advisors/krystal-fortner/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** Krystal Fortner - **Based in:** Richmond, California - **Fee model:** Subscription; One-time planning fee - **Fees (firm's website):** ongoing planning from $3,750 a year; one-time plans from $5,500 - **Fees (Advice-Only Network profile):** subscription $3,750 a year; one-time plans from $5,500 - **Works virtually:** Yes (Advice-Only Network profile) - **Accepting new clients:** Yes (Advice-Only Network profile) - **Credentials:** CFP - **Specialties:** Tax planning, Retirement planning - **Works with:** Pre-retirees - **CRD:** 6155646 (https://adviserinfo.sec.gov/individual/summary/6155646) - **SEC registration:** Investment adviser representative in CA - **Exams passed:** Series 66 (2013) - **Firm size:** 1 employee - **Disclosures:** None reported - **Website:** https://krystalfortner.com ## About Krystal Fortner is an advice-only financial planner who believes everyone should have a financial plan, whatever they have saved so far. Just as you would not wait to get healthy before joining a gym, she says, you should not wait to be wealthy before working with a planner. Over more than a decade, Krystal has worked with clients from many walks of life, and she has found that sticking to the basics and keeping things simple works best. New clients begin with a financial plan that covers their goals, time horizon and numbers, along with different scenarios so they can see what is possible. Afterward, clients move into ongoing planning, meeting with Krystal twice a year to track progress and adjust the plan as needed. ## Frequently asked questions ### Is Krystal Fortner a fee-only financial advisor? Yes. Krystal Fortner is listed in the XY Planning Network directory (XYPN members are fee-only) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Krystal's firm. ### How does Krystal charge for financial advice? Krystal charges a subscription and a one-time planning fee. ### How much does Krystal charge? According to Krystal Fortner's website, checked October 28, 2026: ongoing planning from $3,750 a year; one-time plans from $5,500. ### Does Krystal work with clients virtually? Yes. Krystal's Advice-Only Network profile says they meet with clients virtually. ### Where is Krystal Fortner based? Krystal Fortner is based in Richmond, California. ### What does Krystal specialize in? Krystal's specialties include tax planning and retirement planning. Krystal works with pre-retirees. ### What credentials does Krystal Fortner hold? Krystal Fortner holds the CFP credential. ### Is Krystal Fortner registered with the SEC? Yes. Krystal Fortner is registered as an investment adviser representative in CA (CRD 6155646), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How do I contact Krystal Fortner? Through Krystal's website, krystalfortner.com. ## Sources - XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/krystal-fortner-11679): XYPN members are fee-only - Advice-Only Network listing: advice-only practices, no product sales - 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.krystalfortner.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.