Financial advisors for retirees in San Diego, California
Which financial advisor should I talk to as a retiree in San Diego?
For retirees in San Diego, 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 Michael Randall of Oak Summit Wealth Management, Jack O'Donnell of JRO Wealth Management and Mark Young of Clearview Financial, Inc..
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.
- 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.
- Anastasia Melbrod Melbrod Wealth Management, San Diego City Holds the CFP. Fees on file: ongoing planning fee.
- Stuart Schiffman Compound Wealth Advisors, San Diego City Holds the CFP. Fees on file: one-time planning fee.
- 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 retirees?
The Wellspent public graph lists 50 fee-only advisors for retirees in San Diego, at 27 firms. We counted every advisor record that lists this work, as of November 2026.
How do fee-only advisors for retirees in San Diego charge?
The most common fee among fee-only advisors for retirees in San Diego is a percentage of assets, used by 62% of the 50 with fees on file. Many use more than one: 38% charge by the hour and 36% charge an ongoing planning fee.
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 retirees have?
For retirees, look for the CFP and EA. In San Diego, 56% of the 50 advisors listed hold the CFP.
- CFP56% in San Diego
- The CFP covers tax, insurance, and estate decisions together.
- EA4% in San Diego
- Enrolled agents help with RMDs and Medicare surcharges.
How do San Diego advisors for retirees compare with the rest of the US?
62% of fee-only advisors for retirees in San Diego charge a percentage of assets, compared with 87% of the 3,334 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 retirees.
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 San Diego?
- 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 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 50 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Matthew Showley | Creative Capital Management Investments LLC | San Diego | CFP, MBA, BFA, CeFT | Percentage of assets, Hourly |
| 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 |
| Christian Litscher | Illumination Wealth Management | San Diego | CFP, CFA | Flat fee or retainer, Ongoing planning fee |
| Christine Papelian | Illumination Wealth Management | San Diego | CFP | Flat fee or retainer, Ongoing planning fee |
| Christine Skoczek | Vistica Wealth Advisors | San Diego | CFP | Percentage of assets, Flat fee or retainer |
| David Kim | Illumination Wealth Management | San Diego | CFP | Flat fee or retainer, Ongoing planning fee |
| Sara Gawick | Illumination Wealth Management | San Diego | CFP | Flat fee or retainer, Ongoing planning fee |
| Victor Gersten | Cross Border Wealth Advisors | San Diego | CFP | Percentage of assets, Ongoing planning fee |
| Zachary Benton | Illumination Wealth Management | San Diego | CFP | Flat fee or retainer, Ongoing planning fee |
| David Chenet | Presidio Capital Management | San Diego | CFP, CFA | Percentage of assets, Hourly |
| Joshua Simpson | Illumination Wealth Management | San Diego | ChFC | Flat fee or retainer, Ongoing planning fee |
| 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 |
| Benjamin Rinkey | Illumination Wealth Management | San Diego | Not listed | Flat fee or retainer, Ongoing planning fee |
| 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 |
| Matthew Rinkey | Illumination Wealth Management | San Diego | Not listed | Flat fee or retainer, Ongoing planning fee |
| Sheldon Goldman | Goldman Wealth Management | San Diego | CFP | Percentage of assets, Fixed fees |
| Anastasia Melbrod | Melbrod Wealth Management | San Diego | CFP | Ongoing planning fee |
| 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 |
| 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 |
| Robyn Cohen | Presidio Capital Management | San Diego | Not listed | Percentage of assets, Hourly |
| 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 |
| Garrett Van Nostrand | Van Nostrand Wealth Management | San Diego | Not listed | Flat fee or retainer |
| 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 |
| Richard Levenson | Western Financial | 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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