Krystal Fortner
Simple, no-nonsense advice-only planning for clients at any savings level, starting with a plan and twice-yearly check-ins.
Krystal Fortner · Richmond, California
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.
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Specialties
Who they serve
- Pre-retirees
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.
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 |
| Accepting new clients | Yes |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA · CRD 6155646 |
| Exams passed | Series 66 (2013) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | krystalfortner.com |
| Profile |
How Krystal's firm compares
- Ongoing planning starts at $3,750 a year, below the California median of $6,000 for fee-only firms that publish prices.
- A one-time plan starts at $5,500, above the California median of $2,500 for fee-only firms that publish prices.
Request an introduction to Krystal
Tell Krystal a little about what you're looking for. Krystal isn't on Wellspent yet, so we'll let them know you're looking for help and pass your message on when they join. No cost, no obligation.
Questions about Krystal
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Advice-Only Network listing : advice-only practices, no product sales
- Krystal Fortner website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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