Financial advisors for people close to retirement in San Diego, California
Which financial advisor should I talk to if you're close to retirement in San Diego?
For people close to retirement in San Diego, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Michael Randall of Oak Summit Wealth Management, Eric Niergarth of Retirement Roadmap Financial Planning and Jack O'Donnell of JRO Wealth Management.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Michael Randall Oak Summit Wealth Management, San Diego City Holds the CFP and EA. Fees on file: ongoing planning fee.
- Eric Niergarth Retirement Roadmap Financial Planning, San Diego City Holds the CFP and RICP. Fees on file: flat fee or retainer, ongoing planning fee.
- Jack O'Donnell JRO Wealth Management, San Diego City Holds the CFP and EA. Fees on file: percentage of assets, hourly.
- Mark Young Clearview Financial, Inc., San Diego City Holds the CFP. Fees on file: percentage of assets, ongoing planning fee.
- Taylor Schulte Define Financial, San Diego City Holds the CFP. Fees on file: percentage of assets, flat fee or retainer.
- Jon Luskin JonLuskin.com, San Diego City Holds the CFP. Fees on file: one-time planning fee.
How many fee-only financial advisors in San Diego work with people close to retirement?
The Wellspent public graph lists 49 fee-only advisors for people close to retirement in San Diego, at 25 firms. We counted every advisor record that lists this work, as of November 2026.
How do fee-only advisors for people close to retirement in San Diego charge?
The most common fee among fee-only advisors for people close to retirement in San Diego is a percentage of assets, used by 76% of the 49 with fees on file. Many use more than one: 37% charge by the hour and 35% charge fixed fees.
How much do fee-only financial advisors charge in San Diego?
Fee-only financial advisors in San Diego charge a median of $5,500 a year for ongoing planning. We found this across the published prices of 14 San Diego firms.
How much does a one-time financial plan cost in San Diego?
A one-time financial plan from a fee-only firm in San Diego has a median price of $1,950. We found this across the published prices of 11 San Diego firms.
What credentials should a financial advisor for people close to retirement have?
For people close to retirement, look for the CFP, RICP and EA. In San Diego, 57% of the 49 advisors listed hold the CFP.
- CFP57% in San Diego
- The CFP covers the whole transition.
- RICP2% in San Diego
- The RICP focuses on turning savings into income.
- EA4% in San Diego
- Enrolled agents help with the low-tax years before Social Security.
How do San Diego advisors for people close to retirement compare with the rest of the US?
76% of fee-only advisors for people close to retirement in San Diego charge a percentage of assets, compared with 85% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups.
Dark bars are San Diego. Light bars are all US advisors for people close to retirement.
Does California tax Social Security?
No. California doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan.
What should I ask a financial advisor if you're close to retirement in San Diego?
- Can I retire when I want to, and what would change your answer?
- How should my investments change in the years before I stop working?
- How do I cover health insurance before Medicare?
- What should I do with my 401(k) when I leave?
- How does California tax each source of my retirement income?
How current is this list of fee-only advisors for people close to retirement in San Diego?
Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record.
All 49 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Matthew Showley | Creative Capital Management Investments LLC | San Diego | CFP, MBA, BFA, CeFT | Percentage of assets, Hourly |
| Eric Niergarth | Retirement Roadmap Financial Planning | San Diego | CFP, RICP | Flat fee or retainer, Ongoing planning fee |
| Nate Nieri | Modern Money Management | San Diego | CFP, MSBA, MBA | Percentage of assets, Ongoing planning fee |
| Shannon Grey | InvestEdge Planning | San Diego | CFP, CRPC | Percentage of assets, Flat fee or retainer |
| Jacob Greenberg | Pure Financial Advisors, LLC | San Diego | AIF, CFP, ChFC, MPH | Percentage of assets, One-time planning fee |
| Jake Taylor | Astra Wealth Management | San Diego | CFP | Percentage of assets |
| Mark Young | Clearview Financial, Inc. | San Diego | CFP, CPA | Percentage of assets, Ongoing planning fee |
| Michael Randall | Oak Summit Wealth Management | San Diego | CFP, CFA, EA | Ongoing planning fee |
| Danny Michael | Satori Wealth Management Inc. | San Diego | CFP, RLP | Percentage of assets, Fixed fees |
| Jon Luskin Hourly, advice-only planning for do-it-yourself investors from a fiduciary and longtime advocate of simple, low-cost index investing. | JonLuskin.com | San Diego | CFP | One-time planning fee |
| Jack O'Donnell | JRO Wealth Management | San Diego | CFP, EA | Percentage of assets, Hourly |
| Taylor Schulte Tax-smart retirement planning for investors with a $2MM+ nest egg. | Define Financial | San Diego | CFP | Percentage of assets, Flat fee or retainer |
| David Chenet | Presidio Capital Management | San Diego | CFP, CFA | Percentage of assets, Hourly |
| Rielle Sanidad | Presidio Capital Management | San Diego | CFP | Percentage of assets, Hourly |
| Stone Churby | Presidio Capital Management | San Diego | CFP | Percentage of assets, Hourly |
| Stuart Schiffman | Compound Wealth Advisors | San Diego | CFP, ChFC | One-time planning fee |
| Chaz Fahrner | Sierra Wealth Strategies | San Diego | CFP | Percentage of assets, Hourly |
| Eric Sigdestad | SimpliFi | San Diego | CFP | Hourly |
| Kenneth Kneale | Arcadian Financial Services | San Diego | CFP | Hourly, One-time planning fee |
| Mary Van Nostrand | Van Nostrand Wealth Management | San Diego | CFP | Flat fee or retainer |
| Alexander Okugawa | Matt Calcagno | San Diego | CFP | Percentage of assets |
| Anastasia Melbrod | Melbrod Wealth Management | San Diego | CFP | Ongoing planning fee |
| Anthony Saffer | Matt Calcagno | San Diego | CFP | Percentage of assets |
| Brittany Anderson | Wealth Analytics | San Diego | Not listed | Percentage of assets, Hourly |
| Christopher Reyes | Presidio Capital Management | San Diego | Not listed | Percentage of assets, Hourly |
| Constance Mitchell | Wealth Analytics | San Diego | Not listed | Percentage of assets, Hourly |
| James Thomason | Matt Calcagno | San Diego | CFP | Percentage of assets |
| Janice Thompson | Matt Calcagno | San Diego | CFP | Percentage of assets |
| Karl Kohne | Matt Calcagno | San Diego | CFP | Percentage of assets |
| Matthew Calcagno | Matt Calcagno | San Diego | CFP | Percentage of assets |
| Matthew Vallebo | Presidio Capital Management | San Diego | Not listed | Percentage of assets, Hourly |
| Megan Sperry | Wealth Analytics | San Diego | Not listed | Percentage of assets, Hourly |
| Michael Kasianko | Presidio Capital Management | San Diego | Not listed | Percentage of assets, Hourly |
| Philip Reuer | Matt Calcagno | San Diego | CFP | Percentage of assets |
| Robyn Cohen | Presidio Capital Management | San Diego | Not listed | Percentage of assets, Hourly |
| Scott Bramwell | Eiger Wealth Management | San Diego | PFS | Percentage of assets, Fixed fees |
| Stephen Islander | Presidio Capital Management | San Diego | Not listed | Percentage of assets, Hourly |
| Frank Montes | Torrey Pines Financial | San Diego | Not listed | Percentage of assets |
| Michael Rosendahl | Torrey Pines Financial | San Diego | Not listed | Percentage of assets |
| Ali Alsari | AWM Global Advisors | San Diego | Not listed | Percentage of assets |
| Fabian Waldner | Eiger Wealth Management | San Diego | Not listed | Percentage of assets, Fixed fees |
| Garrett Van Nostrand | Van Nostrand Wealth Management | San Diego | Not listed | Flat fee or retainer |
| N Alexander Alard | Eiger Wealth Management | San Diego | Not listed | Percentage of assets, Fixed fees |
| Parker Hann | SimpliFi | San Diego | Not listed | Hourly |
| Alex Zubak | Sikorski Wealth Management | San Diego | Not listed | Percentage of assets |
| Jesse Sikorski | Sikorski Wealth Management | San Diego | Not listed | Percentage of assets |
| Kyle Kiser | Sikorski Wealth Management | San Diego | Not listed | Percentage of assets |
| Scott Melbrod | Melbrod Wealth Management | San Diego | Not listed | Ongoing planning fee |
| Wesley Melbrod | Melbrod Wealth Management | San Diego | Not listed | Ongoing planning fee |
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