One-time financial plans in California
How do I find fee-only advisors who offer one-time plans in California?
In California, look for a fee-only advisor who sells a plan as a project, with a set scope and price. You get a written plan and carry it out yourself, without an ongoing relationship. Records to start with include Larson Patty of Rothman Investment Management, Lorne Abramson of Abramson Financial Planning, LLC and Pamela Chen of Refresh Investments LLC.
Where to start
Chosen from what each record shows: credentials and fees on file, one advisor per firm.
- Larson Patty Rothman Investment Management, Atascadero Holds the CFP, CFA and CPA. Fees on file: percentage of assets, one-time planning fee.
- Lorne Abramson Abramson Financial Planning, LLC, Burlingame Holds the CFP, CFA and EA. Fees on file: flat fee or retainer, hourly.
- Pamela Chen Refresh Investments LLC, Santa Monica Holds the CFA and CPA. Fees on file: percentage of assets, flat fee or retainer.
- David Lyon Lyon Wealth Advisory, San Deigo Holds the CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee.
- Susan Soesbe Soesbe Financial, LLC, Sacramento Holds the CFP and EA. Fees on file: percentage of assets, hourly.
- Jose Armenta Create Your Path, San Diego Holds the CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee.
By the numbers
- Advisors listed
- 191
- Firms
- 146
- Cities
- 90
- Hold the CFP
- 70%
- Other credentials: CFA 6% · CPA 3% · EA 6%
- How they charge (of 191 with fees on file): one-time planning fee 100% · hourly 51% · percentage of assets 51% · ongoing planning fee 41%
Source: Wellspent public graph, data as of . Shares are of advisors listed here; an advisor can hold several credentials or fee types. Methodology
One-time financial plans by state
Questions about one-time financial plans
How many fee-only advisors who offer one-time plans in California are there?
The Wellspent public graph lists 191 fee-only advisors who offer one-time plans in California, at 146 firms. We counted every advisor record that fits, as of November 2026.
Where are fee-only advisors who offer one-time plans in California located?
Of the 191 fee-only advisors who offer one-time plans in California, 16 are in San Diego, followed by 13 in San Francisco and 10 in Los Angeles.
How do fee-only advisors who offer one-time plans in California charge?
All 191 fee-only advisors who offer one-time plans in California with fees on file charge a one-time planning fee. Many use more than one: 51% charge by the hour and 51% charge a percentage of assets.
How many fee-only advisors who offer one-time plans in California hold the CFP?
70% of the 191 fee-only advisors who offer one-time plans in California hold the CFP certification, based on the credentials listed on each record.
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.
How does Wellspent decide who counts as fee-only advisors who offer one-time plans?
We count an advisor here when their listing shows a one-time planning fee.
What should I ask fee-only advisors who offer one-time plans in California?
What will I have in hand when we finish? How many meetings does the price include? Can I come back for an update, and what does that cost? Will you tell me exactly which accounts and funds to use?
How current is this list of fee-only advisors who offer one-time plans 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.
All 191 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Al Faber Collaborative, do-it-with-you hourly or flat-fee planning for people who want to stay in control, with no product sales or ongoing fees. | DIWY Financial Planning | Los Angeles | CFP, ChFC, CLU, MBA | One-time planning fee, Hourly |
| Emily Nilsson Hourly, project or ongoing planning that centers the person, helping clients build a healthier, more personal relationship with money. | Brava Financial, LLC | San Diego | CDFA, CFP, JD | One-time planning fee, Hourly |
| Mary Ann Sullivan Pension-focused retirement planning and education for educators and public employees who want to manage their own money confidently. | 395 Financial Planning | Mammoth Lakes | CFP, RICP | Subscription, One-time planning fee |
| Michael Halper Flat-fee fiduciary planning for individuals and families, covering retirement, taxes, investments, stock options and digital assets. | Strateon Intelligent Wealth | Simi Valley | CFP | Subscription, One-time planning fee |
| Michael Rodriguez Flat-fee, advice-only planning for first-generation wealth builders and young families buying homes, merging finances and raising kids. | Equanimity Wealth | Glendale | CFP | Subscription, One-time planning fee |
| Shannon Fleener Bilingual, values-based planning for first-generation wealth builders and progressive clients who want their money to do good too. | Sage Financial Planning | San Diego | CFP | Subscription, One-time planning fee |
| Aaron Hatch | Woven Capital | Redding | CFP | Percentage of assets, One-time planning fee |
| Carmetta Joyner Practical, lecture-free planning that helps first-generation professionals organize their finances and put a custom plan into action. | Joyner Financial Planning LLC | San Francisco | CFP | One-time planning fee, Hourly |
| Christina Empedocles | Insight Personal Finance | San Francisco | CFP | Flat fee or retainer, Ongoing planning fee |
| David Lyon | Lyon Wealth Advisory | San Deigo | CFP, EA, CRPC | Flat fee or retainer, Ongoing planning fee |
| Gerardo Garcia Jr | Confianza Wealth Management | Vista | CFP, MBA | Flat fee or retainer, Ongoing planning fee |
| Patrick Yaghoobians | Noor Financial Services | Los Angeles | CFP | Flat fee or retainer, Ongoing planning fee |
| Praveen Krishnamurthy Advice-only planning for tech professionals on equity compensation, taxes and diversification, from a former Google engineering leader. | Empower Financial | Fremont | CFP | One-time planning fee, Hourly |
| Tommy Lopez | Coffeehouse Capital LLC | Financial Planning and Wealth Management | Fresno | CFP, CRPC | Hourly, One-time planning fee |
| Alan Nelson | Measured Money Maneuvers LLC | Solana Beach | CFP, ChFC, MBA | Flat fee or retainer, Hourly |
| Ariadne Horstman | Tamarind Financial Planning | Palo Alto | CFP, RLP | Percentage of assets, Ongoing planning fee |
| Carolyn Masline | CareGen Wealth Management | San Mateo | CDFA, CFP, MBA | Percentage of assets, One-time planning fee |
| Emilie Goldman | Tamarind Financial Planning | Palo Alto | CFA, CFP, MBA | Percentage of assets, Ongoing planning fee |
| Greg Crofton | Adap Tax Financial, Inc. | Pleasanton | CFP, EA | Hourly, Flat fee or retainer |
| Rosario Chacón | Wealth-Source Financial | Oakland | CFP, CSLP, CDFA, EA | Ongoing planning fee, Percentage of assets |
| Said Israilov | Israilov Financial | San Francisco | CFP | Percentage of assets, One-time planning fee |
| Shannon Grey | InvestEdge Planning | San Diego | CFP, CRPC | Percentage of assets, Flat fee or retainer |
| Sridhar Krishnan | Encover Personal Finance LLC | Fremont | BS, CFP, MBA | Flat fee or retainer, Ongoing planning fee |
| William Cuthbertson | Fiscalis Advisory, Inc. | Mission Viejo | CFP, EA, MBA | Ongoing planning fee, One-time planning fee |
| Anandi Krishnamurthy | AKrish Financial Advisory | Cupertino | CFP | Hourly, One-time planning fee |
| Carol Somoano | Asset Planning | Los Alamitos | CFP, MBA | Percentage of assets, One-time planning fee |
| Cynthia Jabr | Brand New Day Wealth Planning | Los Angeles | CFP | Flat fee or retainer, Hourly |
| Deirdre Hegarty | Branch & Bloom Financial Planning, LLC | Menlo Park | CFP | One-time planning fee, Ongoing planning fee |
| Gina Hagen | Full Circle Financial Planning | Topanga | CFP, CPA | Hourly, Percentage of assets |
| Gitanjali Kumar | Worthique LLC | San Francisco | CFP | Ongoing planning fee, One-time planning fee |
| Jacob Greenberg | Pure Financial Advisors, LLC | San Diego | AIF, CFP, ChFC, MPH | Percentage of assets, One-time planning fee |
| John Pak | Otium Advisory Group | El Segundo | BA, CFP, EA, MST | Flat fee or retainer, Hourly |
| Jose Armenta | Create Your Path | San Diego | CFP, ChFC, EA, MSBA | Flat fee or retainer, Ongoing planning fee |
| Kate Wilusz | Fiat Lux Financial Planning | San Francisco | CFP, CRPC | Ongoing planning fee, One-time planning fee |
| Krystal Fortner Simple, no-nonsense advice-only planning for clients at any savings level, starting with a plan and twice-yearly check-ins. | Krystal Fortner | Richmond | CFP | Subscription, One-time planning fee |
| Leighann Miko | Equalis Financial | Los Angeles | CFP, MST, RLP, BA | Percentage of assets, Ongoing planning fee |
| Lorne Abramson | Abramson Financial Planning, LLC | Burlingame | CFA, CFP, CTEC, EA | Flat fee or retainer, Hourly |
| Nannette Belt | Inspiration Financial Planning LLC | Carlsbad | CFP, RICP, MBA | Ongoing planning fee, Percentage of assets |
| Neil Portus | Olivehurst Advisors LLC | Roseville | CFP, CFA, MBA, TPCP | Percentage of assets, Hourly |
| Steve Heinemann | Recalibrating Wealth | Fountain Valley | CFP, CPA | Percentage of assets, Flat fee or retainer |
| Steven Fox Next Gen founder now building AdviceOnly to help advisors give advice instead of sales pitches; takes occasional small hourly projects. | AdviceOnly | San Diego | CFP, EA, BFA, MS | Subscription, One-time planning fee |
| Tara Unverzagt | South Bay Financial Partners | Torrance | CFP, MBA | Hourly, One-time planning fee |
| Catherine Hawley | Hawley Personal Finance | Los Angeles | CFP | Hourly, Flat fee or retainer |
| Cheryl Vesely | Balance Financial Planning, LLC | Oakland | CFP, MA | Percentage of assets, Hourly |
| Eric Amzalag | Peak Financial Planning | Canoga Park | CFP, RICP | Flat fee or retainer, Percentage of assets |
| Galen Herbst de Cortina | Buff Your Finances, LLC | Newbury Park | CFP, MBA | One-time planning fee |
| James McDougal Project-based, advice-only equity compensation planning for professionals who want plain-English analysis while staying in control of their decisions. | HiFi Planning | Long Beach | CFP, ECA | One-time planning fee, Hourly |
| Joseph Alfonso | Aegis Financial Advisory | Cupertino | CFP, ChFC, EA, RICP | Flat fee or retainer, Ongoing planning fee |
| Meghan Coolbaugh | Oak Street Advisory Group, LLC | Nevada City | CFP, MA | Percentage of assets, One-time planning fee |
| Mike Anderson | AdviceOnly | Murrieta | CFP | Hourly, Flat fee or retainer |
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