Luis Razo
Guiding Wealth Management · San Bernardino, California
Luis Razo is a fee-only financial advisor at Guiding Wealth Management in San Bernardino, California. Guiding Wealth Management reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.
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Facts
| Firm | Guiding Wealth Management |
|---|---|
| Based in | San Bernardino, California |
| Fee model (firm's Form ADV) | Percentage of assets · Hourly · Fixed fees |
| Assets under management | $59.4M across 198 accounts |
| SEC registration | Investment adviser representative in CA, TX · CRD 7827178 |
| Exams passed | Series 65 (2023) |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | www.guidingwealth.com |
How Luis's firm compares
- Guiding Wealth Management's average account is about $300,000, from its Form ADV (assets managed divided by 198 accounts).
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Questions about Luis
Is Luis Razo a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Luis holds no broker registration, and Guiding Wealth Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Luis charge for financial advice?
Luis's firm, Guiding Wealth Management, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.
Where is Luis Razo based?
Luis Razo is based in San Bernardino, California.
Is Luis Razo registered with the SEC?
Yes. Luis Razo is registered as an investment adviser representative in CA and TX (CRD 7827178), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Guiding Wealth Management manage?
Guiding Wealth Management reports $59.4M across 198 accounts in assets under management.
How do I contact Luis Razo?
Through Luis's website, www.guidingwealth.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in California
Where this information comes from
- SEC adviser records : 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 : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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