Financial advisors for retirees in San Ramon, California

Which financial advisor should I talk to as a retiree in San Ramon?

For retirees in San Ramon, 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 Maloon of California Financial Advisors, Aaron Karas of Insight Wealth Strategies and Thomas Manetta of Manetta Wealth Management.

How many fee-only financial advisors in San Ramon work with retirees?

The Wellspent public graph lists 30 fee-only advisors for retirees in San Ramon, at 5 firms. We counted every advisor record that lists this work, as of October 2026.

How do fee-only advisors for retirees in San Ramon charge?

The most common fee among fee-only advisors for retirees in San Ramon is a percentage of assets, used by 100% of the 30 with fees on file. Many use more than one: 50% charge an ongoing planning fee and 43% 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.

See every fee-only advisor fee in California

What credentials should a financial advisor for retirees have?

For retirees, look for the CFP. In San Ramon, 30% of the 30 advisors listed hold the CFP.

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 Ramon?

1. How much can I spend each year, and how will you adjust it?
2. How do you plan around RMDs and Medicare premiums?
3. How would you pay for long-term care if I needed it?
4. What happens if I can't manage this myself, or my spouse dies first?
5. How does California tax each source of my retirement income?

How current is this list of fee-only advisors for retirees 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.