# Tyrone Ross

> Tyrone Ross is a fee-only financial advisor at 401 Financial in San Diego, California, who holds the CFP credential. Tyrone charges hourly fees, a subscription and a one-time planning fee (ongoing planning from $6,000 a year and no asset minimum) and focuses on crypto & digital assets and small business owners.

Page: https://find.wellspent.co/advisors/tyrone-ross/
Built from public directory listings; last checked April 25, 2026.

## Facts

- **Firm:** 401 Financial
- **Based in:** San Diego, California
- **Fee model:** Hourly; Subscription; One-time planning fee
- **Fees (firm's website):** ongoing planning from $6,000 a year; no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $25M - $100M
- **Credentials:** CFP
- **Specialties:** Crypto & digital assets, Small business owners
- **Works with:** HENRY (High Earners, Not Rich Yet), High earners, Founders, Early-career professionals
- **CRD:** 5704579 (https://adviserinfo.sec.gov/individual/summary/5704579)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (2010), Series 66 (2011)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** 401Financial.co 

## About

401 Financial is an advice only RIA that specializes in cryptoassets, financial planning, financial coaching and business planning. We provide a digital first experience that is personalized with real-time insights and feedback.

## Frequently asked questions

### Is Tyrone Ross a fee-only financial advisor?

Yes. Tyrone Ross is listed in the public advisor directory (listed as fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Tyrone's firm.

### How does Tyrone charge for financial advice?

Tyrone charges hourly fees, a subscription and a one-time planning fee.

### How much does Tyrone charge?

According to 401 Financial's website, checked October 28, 2026: ongoing planning from $6,000 a year; no asset minimum.

### Where is Tyrone Ross based?

Tyrone Ross is based in San Diego, California.

### What does Tyrone specialize in?

Tyrone's specialties include crypto & digital assets and small business owners. Tyrone works with HENRY (High Earners, Not Rich Yet), high earners, founders and early-career professionals.

### What credentials does Tyrone Ross hold?

Tyrone Ross holds the CFP credential.

### Is Tyrone Ross registered with the SEC?

Yes. Tyrone Ross is registered as an investment adviser representative in CA (CRD 5704579), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does 401 Financial manage?

401 Financial reports $25M - $100M in assets under management.

### How do I contact Tyrone Ross?

Through Tyrone's website, 401Financial.co .

## Sources

- Public advisor directory: listed as fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://401financial.co/): specialties, clients served, and fees, checked October 28, 2026

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