Pamela Chen
Refresh Investments LLC · Santa Monica, California
Pamela Chen is a fee-only financial advisor at Refresh Investments LLC in Santa Monica, California, who holds the BS, CFA and CPA credentials. Pamela charges a percentage of assets, a flat fee or retainer and a one-time planning fee (one-time plans from $5,000 and a $1,000,000 asset minimum) and focuses on tax planning and retirement planning.
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Specialties
Who they serve
- Divorced individuals
Facts
| Firm | Refresh Investments LLC |
|---|---|
| Based in | Santa Monica, California |
| Fee model | Percentage of assets · Flat fee or retainer · One-time planning fee |
| Fees (firm's website) | One-time plans from $5,000 · A $1,000,000 asset minimum |
| Accepting new clients | Yes |
| Assets under management | $61.5M across 26 accounts |
| Credentials | BS · CFA · CPA · MBA |
| SEC registration | Investment adviser representative in CA, TX · CRD 2909140 |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | refreshinvest.com |
How Pamela's firm compares
- A one-time plan starts at $5,000, above the California median of $2,500 for fee-only firms that publish prices.
- Refresh Investments LLC's average account is about $2.4 million, from its Form ADV (assets managed divided by 26 accounts).
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Questions about Pamela
Is Pamela Chen a fee-only financial advisor?
Yes. Pamela Chen is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Pamela's firm.
How does Pamela charge for financial advice?
Pamela charges a percentage of assets, a flat fee or retainer and a one-time planning fee.
How much does Pamela charge?
According to Refresh Investments LLC's website, checked October 28, 2026: one-time plans from $5,000; a $1,000,000 asset minimum.
Where is Pamela Chen based?
Pamela Chen is based in Santa Monica, California.
What does Pamela specialize in?
Pamela's specialties include tax planning and retirement planning. Pamela works with divorced individuals.
What credentials does Pamela Chen hold?
Pamela Chen holds the BS, CFA, CPA and MBA credentials.
Is Pamela Chen registered with the SEC?
Yes. Pamela Chen is registered as an investment adviser representative in CA and TX (CRD 2909140), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Refresh Investments LLC manage?
Refresh Investments LLC reports $61.5M across 26 accounts in assets under management.
How do I contact Pamela Chen?
Through Pamela's website, refreshinvest.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Refresh Investments LLC 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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