# Todd Hadley

> Todd Hadley is a fee-only financial advisor at True Wave Financial Planners in Sacramento, California, who holds the CFP credential. Todd focuses on tax planning, estate & legacy planning and retirement planning. True Wave Financial Planners reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/todd-hadley/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** True Wave Financial Planners
- **Based in:** Sacramento, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $456.5M across 1,444 accounts
- **Credentials:** CFP
- **Specialties:** Tax planning, Estate & legacy planning, Retirement planning
- **Works with:** Retirees
- **CRD:** 4107233 (https://adviserinfo.sec.gov/individual/summary/4107233)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (2000), Series 65 (2000)
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** https://truewavefinancial.com/

## Frequently asked questions

### Is Todd Hadley a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Todd holds no broker registration, and True Wave Financial Planners reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Todd charge for financial advice?

Todd's firm, True Wave Financial Planners, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Todd Hadley based?

Todd Hadley is based in Sacramento, California.

### What does Todd specialize in?

Todd's specialties include tax planning, estate & legacy planning and retirement planning. Todd works with retirees.

### What credentials does Todd Hadley hold?

Todd Hadley holds the CFP credential.

### Is Todd Hadley registered with the SEC?

Yes. Todd Hadley is registered as an investment adviser representative in CA (CRD 4107233), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does True Wave Financial Planners manage?

True Wave Financial Planners reports $456.5M across 1,444 accounts in assets under management.

### How do I contact Todd Hadley?

Through Todd's website, truewavefinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4107233): 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 and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://truewavefinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.