# Financial advisors for retirees in California > For retirees in California, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Joseph Alfonso of Aegis Financial Advisory, Nannette Belt of Inspiration Financial Planning LLC and Michael Randall of Oak Summit Wealth Management. Page: https://find.wellspent.co/audiences/retirees/california/ 393 fee-only advisors listed; data last updated November 2, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a retiree in California? For retirees in California, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Joseph Alfonso of Aegis Financial Advisory, Nannette Belt of Inspiration Financial Planning LLC and Michael Randall of Oak Summit Wealth Management. - [Joseph Alfonso](https://find.wellspent.co/advisors/joseph-alfonso/), Aegis Financial Advisory, Cupertino. Holds the RICP, CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee. - [Nannette Belt](https://find.wellspent.co/advisors/nannette-belt/), Inspiration Financial Planning LLC, Carlsbad. Holds the RICP and CFP. Fees on file: ongoing planning fee, percentage of assets. - [Michael Randall](https://find.wellspent.co/advisors/michael-randall/), Oak Summit Wealth Management, San Diego. Holds the CFP and EA. Fees on file: ongoing planning fee. - [James Schwarz](https://find.wellspent.co/advisors/james-schwarz/), CLEAR Retirement Advice, San Mateo. Holds the RICP and CFP. Fees on file: ongoing planning fee. - [Eric Amzalag](https://find.wellspent.co/advisors/eric-amzalag/), Peak Financial Planning, Canoga Park. Holds the RICP and CFP. Fees on file: flat fee or retainer, percentage of assets. - [Eric Toya](https://find.wellspent.co/advisors/eric-toya/), Navigoe, LLC, Redondo Beach. Holds the CFP and EA. Fees on file: ongoing planning fee. ## How many fee-only financial advisors in California work with retirees? The Wellspent public graph lists 393 fee-only advisors for retirees in California, at 173 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for retirees in California located? Of the 393 fee-only advisors for retirees in California, 50 are in San Diego, followed by 30 in San Ramon and 19 in Los Angeles. ## How do fee-only advisors for retirees in California charge? The most common fee among fee-only advisors for retirees in California is a percentage of assets, used by 86% of the 393 with fees on file. Many use more than one: 50% charge by the hour and 44% charge fixed fees. ## 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 retirees have? For retirees, look for the RICP, CFP and EA. In California, 46% of the 393 advisors listed hold the CFP. - RICP (1% of advisors listed): The RICP focuses on income in retirement. - CFP (46% of advisors listed): The CFP covers tax, insurance, and estate decisions together. - EA (2% of advisors listed): Enrolled agents help with RMDs and Medicare surcharges. ## How do California advisors for retirees compare with the rest of the US? 50% of fee-only advisors for retirees in California charge by the hour, compared with 41% of the 3,334 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 as a retiree in California? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does California tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees in California? 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 | |---|---|---|---|---| | [Annette Di Bello](https://find.wellspent.co/advisors/annette-di-bello.md) | Di Bello Financial | Mission Viejo, California | CFP, CPA, PFS™ | Percentage of assets | | [Michal Skowronski](https://find.wellspent.co/advisors/michal-skowronski.md) | Skylark Wealth, LLC | San Francisco, California | CFP | Percentage of assets, Flat fee or retainer | | [Matthew Showley](https://find.wellspent.co/advisors/matthew-showley.md) | Creative Capital Management Investments LLC | San Diego, California | CFP, MBA, BFA, CeFT, CPA | Percentage of assets, Hourly | | [Sheila McGinn](https://find.wellspent.co/advisors/sheila-mcginn.md) | Brightview Financial Solutions, LLC | Redwood City, California | CFP | Percentage of assets, Hourly | | [Stephen Nelson](https://find.wellspent.co/advisors/stephen-nelson.md) | Birchwood Capital LLC | Carlsbad, California | CFP, CFA | Flat fee or retainer, Ongoing planning fee | | [Tommy Lopez](https://find.wellspent.co/advisors/tommy-lopez.md) | Coffeehouse Capital LLC \| Financial Planning and Wealth Management | Fresno, California | CFP, CRPC | Hourly, One-time planning fee | | [AJ Flores](https://find.wellspent.co/advisors/aj-flores.md) | Portfolio Advisors, Inc. | Fresno, California | CFP | Percentage of assets | | [Angela Dorsey](https://find.wellspent.co/advisors/angela-dorsey.md) | Dorsey Wealth Management | Torrance, California | CFP, MBA | Percentage of assets, Hourly, Fixed fees | | [Gabriel Anderson](https://find.wellspent.co/advisors/gabriel-anderson.md) | Crafted Wealth Management, LLC | Los Angeles, California | CFP, ChFC, CLU | Percentage of assets, Ongoing planning fee | | [Laryssa Freeman](https://find.wellspent.co/advisors/laryssa-freeman.md) | Meritage Wealth Management LLC | Carlsbad, California | CFP | Percentage of assets | | [Nate Nieri](https://find.wellspent.co/advisors/nate-nieri.md) | Modern Money Management | San Diego, California | CFP, MSBA, MBA | Percentage of assets, Ongoing planning fee, Hourly | | [Shannon Grey](https://find.wellspent.co/advisors/shannon-grey.md) | InvestEdge Planning | San Diego, California | CFP, CRPC | Percentage of assets, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Tina Mistry](https://find.wellspent.co/advisors/tina-mistry.md) | Portfolio Advisors, Inc | Fresno, California | CFP | Percentage of assets | | [Carol Somoano](https://find.wellspent.co/advisors/carol-somoano.md) | Asset Planning | Los Alamitos, California | CFP, MBA | Percentage of assets, One-time planning fee, Hourly | | [Evor Vattuone](https://find.wellspent.co/advisors/evor-vattuone.md) | Aspire Planning Associates, Inc. | Cupertino, California | CFP, CFS | Hourly, Flat fee or retainer, Ongoing planning fee, Percentage of assets | | [Jacob Greenberg](https://find.wellspent.co/advisors/jacob-greenberg.md) | Pure Financial Advisors, LLC | San Diego, California | AIF, CFP, ChFC, MPH, JD, CRPC, MBA, MSBA | Percentage of assets, One-time planning fee | | [Jake Taylor](https://find.wellspent.co/advisors/jake-taylor.md) | Astra Wealth Management | San Diego, California | CFP | Percentage of assets | | [Lorne Abramson](https://find.wellspent.co/advisors/lorne-abramson.md) | Abramson Financial Planning, LLC | Burlingame, California | CFA, CFP, CTEC, EA, MBA | Flat fee or retainer, Hourly, One-time planning fee | | [Nannette Belt](https://find.wellspent.co/advisors/nannette-belt.md) | Inspiration Financial Planning LLC | Carlsbad, California | CFP, RICP, MBA | Ongoing planning fee, Percentage of assets, One-time planning fee | | [Neil Portus](https://find.wellspent.co/advisors/neil-portus.md) | Olivehurst Advisors LLC | Roseville, California | CFP, CFA, MBA, TPCP | Percentage of assets, Hourly, One-time planning fee, Ongoing planning fee | | [Scott Brooks](https://find.wellspent.co/advisors/scott-brooks.md) | Brooks Wealth Management | Westlake Village, California | CFP | Percentage of assets | | [Eric Amzalag](https://find.wellspent.co/advisors/eric-amzalag.md) | Peak Financial Planning | Canoga Park, California | CFP, RICP | Flat fee or retainer, Percentage of assets, Ongoing planning fee, One-time planning fee | | [Eric Maldonado](https://find.wellspent.co/advisors/eric-maldonado.md) | Aquila Wealth Advisors | San Luis Obispo, California | CFP, MBA | Percentage of assets, Ongoing planning fee | | [Gerald Gasber](https://find.wellspent.co/advisors/gerald-gasber.md) | Gasber Financial Advisors, Inc. | Folsom, California | CFP, CFS, CIMA, CIMC, CPFA | Percentage of assets, Hourly, Fixed fees | | [Heather Comella](https://find.wellspent.co/advisors/heather-comella.md) | Folsom Wealth Advisors | Folsom, California | CFP | Percentage of assets, Hourly, Fixed fees | | [James Schwarz](https://find.wellspent.co/advisors/james-schwarz.md) | CLEAR Retirement Advice | San Mateo, California | CFP, MBA, RICP | Ongoing planning fee | | [Joseph Alfonso](https://find.wellspent.co/advisors/joseph-alfonso.md) | Aegis Financial Advisory | Cupertino, California | CFP, ChFC, EA, RICP, RSSA, TPCP | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Mark Young](https://find.wellspent.co/advisors/mark-young.md) | Clearview Financial, Inc. | San Diego, California | CFP, CPA | Percentage of assets, Ongoing planning fee | | [Meghan Coolbaugh](https://find.wellspent.co/advisors/meghan-coolbaugh.md) | Oak Street Advisory Group, LLC | Nevada City, California | CFP, MA | Percentage of assets, One-time planning fee, Flat fee or retainer | | [Michael Randall](https://find.wellspent.co/advisors/michael-randall.md) | Oak Summit Wealth Management | San Diego, California | CFP, CFA, EA | Ongoing planning fee | | [Sarah Maitre](https://find.wellspent.co/advisors/sarah-maitre.md) | Camriel Advisors | Mount Shasta, California | CFP, CFA | Ongoing planning fee | | [Steven Medland](https://find.wellspent.co/advisors/steven-medland.md) | TABR Capital Management, LLC | Orange, California | CFP, MBA | Percentage of assets, Ongoing planning fee | | [Danny Michael](https://find.wellspent.co/advisors/danny-michael.md) | Satori Wealth Management Inc. | San Diego, California | CFP, RLP | Percentage of assets, Fixed fees | | [Daryoosh Khalilollahi](https://find.wellspent.co/advisors/daryoosh-khalilollahi.md) | DABK Financial Planning Services | El Cerrito, California | CFP, MBA, MSEE | Subscription, One-time planning fee, Hourly | | [David Barnett](https://find.wellspent.co/advisors/david-barnett.md) | Barnett Financial Planning | Riverside, California | CFP | Hourly, One-time planning fee, Ongoing planning fee | | [Jon Luskin](https://find.wellspent.co/advisors/jon-luskin.md) | JonLuskin.com | San Diego, California | CFP | One-time planning fee | | [Michael Martinez](https://find.wellspent.co/advisors/michael-martinez.md) | Live, Learn, Grow Wealth Management | Diamond Bar, California | CFP, CRPC | Fixed fees | | [Zack Swad](https://find.wellspent.co/advisors/zack-swad.md) | Swad Wealth Management, LLC | Santa Rosa, California | CFP, AAMS, RLP | Percentage of assets, Hourly, Fixed fees | | [Andy Moran](https://find.wellspent.co/advisors/andy-moran.md) | Ad Astra Financial Planning | Santa Rosa, California | CFP | Flat fee or retainer, Subscription | | [David Carlson](https://find.wellspent.co/advisors/david-carlson.md) | Sound Investment Management, LLC | Newport Beach, California | CFP, ChFC, CKA, MBA | Percentage of assets | | [Elise Murphy](https://find.wellspent.co/advisors/elise-murphy.md) | Level Financial Advisors | Glendora, California | CFP, MSFP | Percentage of assets, Hourly, Fixed fees | | [Eric Toya](https://find.wellspent.co/advisors/eric-toya.md) | Navigoe, LLC | Redondo Beach, California | CFP, EA | Ongoing planning fee | | [Gabbi Cerezo](https://find.wellspent.co/advisors/gabbi-cerezo.md) | Sustain Financial Inc. | Culver City, California | CFP, AFC | Percentage of assets, Ongoing planning fee | | [Gary Pia](https://find.wellspent.co/advisors/gary-pia.md) | Mission Street Wealth Planning | South Pasadena, California | CFP | Percentage of assets, Fixed fees | | [Jack O'Donnell](https://find.wellspent.co/advisors/jack-odonnell.md) | JRO Wealth Management | San Diego, California | CFP, EA | Percentage of assets, Hourly, Fixed fees | | [Mark Astrinos](https://find.wellspent.co/advisors/mark-astrinos.md) | Libra Wealth LLC | Los Gatos, California | CFP, CPA/PFS, RLP | Flat fee or retainer, Hourly, Ongoing planning fee | | [Matthew Etzler](https://find.wellspent.co/advisors/matthew-etzler.md) | Etzler Financial Advisors, LLC | Red Bluff, California | CFP | Hourly, Subscription, One-time planning fee | | [Ryan Hughes](https://find.wellspent.co/advisors/ryan-hughes.md) | Bull Oak | Rancho Santa Fe, California | CFP | Flat fee or retainer, Percentage of assets | | [Taylor Schulte](https://find.wellspent.co/advisors/taylor-schulte.md) | Define Financial | San Diego, California | CFP | Percentage of assets, Flat fee or retainer | | [Allen Regan](https://find.wellspent.co/advisors/allen-regan.md) | Vistica Wealth Advisors | Carlsbad, California | CFP | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | Showing the first 50 of 393. The full list, page by page: https://find.wellspent.co/audiences/retirees/california/?page=2 ## Related - [Retirement planning in California](https://find.wellspent.co/specialties/retirement-planning/california.md) - [Estate planning in California](https://find.wellspent.co/specialties/estate-planning/california.md) - [Tax planning in California](https://find.wellspent.co/specialties/tax-planning/california.md) - [Founders in California](https://find.wellspent.co/specialties/founders-pre-exit/california.md) - [Family wealth transfer in California](https://find.wellspent.co/specialties/family-wealth-transfer/california.md) - [Pre-retirees in California](https://find.wellspent.co/audiences/pre-retirees/california.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).