# Financial advisors for people close to retirement in San Ramon, California > For people close to retirement in San Ramon, 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 Mark Pitre of California Financial Advisors, Robert Agorastos of Insight Wealth Strategies and Thomas Manetta of Manetta Wealth Management. Page: https://find.wellspent.co/audiences/pre-retirees/california/san-ramon/ 29 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in San Ramon? For people close to retirement in San Ramon, 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 Mark Pitre of California Financial Advisors, Robert Agorastos of Insight Wealth Strategies and Thomas Manetta of Manetta Wealth Management. - [Mark Pitre](https://find.wellspent.co/advisors/mark-pitre/), California Financial Advisors, San Ramon City. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Robert Agorastos](https://find.wellspent.co/advisors/robert-agorastos/), Insight Wealth Strategies, San Ramon City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Thomas Manetta](https://find.wellspent.co/advisors/thomas-manetta/), Manetta Wealth Management, San Ramon City. Fees on file: percentage of assets. - [Michael Ye](https://find.wellspent.co/advisors/michael-ye/), New Insight Wealth Advisors, San Ramon City. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in San Ramon work with people close to retirement? The Wellspent public graph lists 29 fee-only advisors for people close to retirement in San Ramon, at 4 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for people close to retirement in San Ramon charge? The most common fee among fee-only advisors for people close to retirement in San Ramon is a percentage of assets, used by 100% of the 29 with fees on file. Many use more than one: 52% charge an ongoing planning fee and 45% charge by the hour. ## How much do fee-only financial advisors charge in California? Fee-only financial advisors in California charge a median of $6,000 a year for ongoing planning. We found this across the published prices of 112 California firms. ## How much does a one-time financial plan cost in California? A one-time financial plan from a fee-only firm in California has a median price of $2,500. We found this across the published prices of 111 California firms. ## What credentials should a financial advisor for people close to retirement have? For people close to retirement, look for the CFP. In San Ramon, 31% of the 29 advisors listed hold the CFP. - CFP (31% of advisors listed): The CFP covers the whole transition. ## How do San Ramon advisors for people close to retirement compare with the rest of the US? 52% of fee-only advisors for people close to retirement in San Ramon charge an ongoing planning fee, compared with 17% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## 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 Ramon? - 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 Ramon? 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. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Aaron Karas](https://find.wellspent.co/advisors/aaron-karas.md) | Insight Wealth Strategies | San Ramon, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Brian Stormont](https://find.wellspent.co/advisors/brian-stormont.md) | Insight Wealth Strategies | San Ramon, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Robert Agorastos](https://find.wellspent.co/advisors/robert-agorastos.md) | Insight Wealth Strategies | San Ramon, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Thomas Manetta](https://find.wellspent.co/advisors/thomas-manetta.md) | Manetta Wealth Management | San Ramon, California | | Percentage of assets | | [Timothy Raftis](https://find.wellspent.co/advisors/timothy-raftis.md) | Insight Wealth Strategies | San Ramon, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Anna Hong](https://find.wellspent.co/advisors/anna-hong.md) | New Insight Wealth Advisors | San Ramon, California | ChFC | Percentage of assets, Hourly, Fixed fees | | [Dajin Yang](https://find.wellspent.co/advisors/dajin-yang.md) | New Insight Wealth Advisors | San Ramon, California | CFA | Percentage of assets, Hourly, Fixed fees | | [Kayla Fernandez](https://find.wellspent.co/advisors/kayla-fernandez.md) | California Financial Advisors | San Ramon, California | CFP | Percentage of assets, Ongoing planning fee | | [Madeline Williams](https://find.wellspent.co/advisors/madeline-williams.md) | California Financial Advisors | San Ramon, California | CFP | Percentage of assets, Ongoing planning fee | | [Mark Pitre](https://find.wellspent.co/advisors/mark-pitre.md) | California Financial Advisors | San Ramon, California | CFP | Percentage of assets, Ongoing planning fee | | [Michael Maloon](https://find.wellspent.co/advisors/michael-maloon.md) | California Financial Advisors | San Ramon, California | CFP, ChFC | Percentage of assets, Ongoing planning fee | | [Thomas Powers](https://find.wellspent.co/advisors/thomas-powers.md) | California Financial Advisors | San Ramon, California | CFP, ChFC | Percentage of assets, Ongoing planning fee | | [Cole Durkin](https://find.wellspent.co/advisors/cole-durkin.md) | Insight Wealth Strategies | San Ramon, California | CFA | Percentage of assets, Hourly, Fixed fees | | [John Cordano](https://find.wellspent.co/advisors/john-cordano.md) | California Financial Advisors | San Ramon, California | ChFC | Percentage of assets, Ongoing planning fee | | [Michael Ye](https://find.wellspent.co/advisors/michael-ye.md) | New Insight Wealth Advisors | San Ramon, California | | Percentage of assets, Hourly, Fixed fees | | [Raymond Tan](https://find.wellspent.co/advisors/raymond-tan.md) | California Financial Advisors | San Ramon, California | ChFC | Percentage of assets, Ongoing planning fee | | [Seongsoo Lee](https://find.wellspent.co/advisors/seongsoo-lee.md) | New Insight Wealth Advisors | San Ramon, California | | Percentage of assets, Hourly, Fixed fees | | [Andre Luiz Paiva](https://find.wellspent.co/advisors/andre-luiz-paiva.md) | Insight Wealth Strategies | San Ramon, California | | Percentage of assets, Hourly, Fixed fees | | [Anthony Ortale](https://find.wellspent.co/advisors/anthony-ortale.md) | Insight Wealth Strategies | San Ramon, California | | Percentage of assets, Hourly, Fixed fees | | [Chad Seegers](https://find.wellspent.co/advisors/chad-seegers.md) | Insight Wealth Strategies | San Ramon, California | | Percentage of assets, Hourly, Fixed fees | | [Preston Mayo](https://find.wellspent.co/advisors/preston-mayo.md) | Insight Wealth Strategies | San Ramon, California | | Percentage of assets, Hourly, Fixed fees | | [Gabriella Stamps](https://find.wellspent.co/advisors/gabriella-stamps.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | | [Jonathan Becker](https://find.wellspent.co/advisors/jonathan-becker.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | | [Kyle Dennehy](https://find.wellspent.co/advisors/kyle-dennehy.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | | [Michelle Higgins](https://find.wellspent.co/advisors/michelle-higgins.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | | [Nicholas Powers](https://find.wellspent.co/advisors/nicholas-powers.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | | [Nicholas Venezia](https://find.wellspent.co/advisors/nicholas-venezia.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | | [Ryan Dennehy](https://find.wellspent.co/advisors/ryan-dennehy.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | | [Sean Maloon](https://find.wellspent.co/advisors/sean-maloon.md) | California Financial Advisors | San Ramon, California | | Percentage of assets, Ongoing planning fee | ## Related - [Retirement planning in San Ramon](https://find.wellspent.co/specialties/retirement-planning/california/san-ramon.md) - [Retirees in San Ramon](https://find.wellspent.co/audiences/retirees/california/san-ramon.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).