Fee-only financial advisors in Carlsbad, California
Which fee-only financial advisor should I talk to in Carlsbad?
Start with a fee-only advisor in Carlsbad whose record matches what you need, then check their fees and SEC record before you call. Records to start with include Stephen Nelson of Birchwood Capital LLC, Jeffrey Vistica of Vistica Wealth Advisors and Matthew Brayer of Carlsbad Wealth Advisory Group, chosen for their credentials and fees on file.
Where to start
Chosen from what each record shows: credentials and fees on file, one advisor per firm.
- Stephen Nelson Birchwood Capital LLC Holds the CFP and CFA. Fees on file: flat fee or retainer, ongoing planning fee.
- Jeffrey Vistica Vistica Wealth Advisors Holds the CFP. Fees on file: percentage of assets, flat fee or retainer.
- Matthew Brayer Carlsbad Wealth Advisory Group Holds the CFP. Fees on file: percentage of assets.
- Laryssa Freeman Meritage Wealth Management LLC Holds the CFP. Fees on file: percentage of assets.
- Shelley Murasko Wealthrise Financial Planning Holds the CFP. Fees on file: hourly.
- Thomas Kelly Kelly Investment Management Holds the CFP. Fees on file: one-time planning fee.
By the numbers
- Advisors listed
- 35
- Firms
- 18
- Hold the CFP
- 46%
- Other credentials: CFA 6% · ChFC 3%
- How they charge (of 35 with fees on file): percentage of assets 74% · hourly 40% · fixed fees 26% · ongoing planning fee 23%
Source: Wellspent public graph, data as of . Shares are of advisors listed here; an advisor can hold several credentials or fee types. Methodology
Find an advisor in Carlsbad by what you need
Find an advisor in California by fee, assets, or credential
- Hourly financial advisors
- Flat-fee financial advisors
- One-time financial plans
- Financial advisors with no minimum
- Advisors for under $500,000
- Advisors for $500,000 to $1 million
- Advisors for $1 million to $3 million
- Advisors for over $3 million
- CFP financial advisors
- CFA financial advisors
- ChFC financial advisors
- Virtual financial advisors
Questions about fee-only advisors in Carlsbad
How many fee-only advisors in Carlsbad are there?
The Wellspent public graph lists 35 fee-only advisors in Carlsbad, at 18 firms. We counted every advisor record that fits, as of October 2026.
What do fee-only advisors in Carlsbad focus on?
The most common focus among fee-only advisors in Carlsbad is retirement planning (19), followed by retirees (13) and estate planning (13). Advisors can list more than one.
How do fee-only advisors in Carlsbad charge?
The most common fee among fee-only advisors in Carlsbad is a percentage of assets, used by 74% of the 35 with fees on file. Many use more than one: 40% charge by the hour and 26% 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 many fee-only advisors in Carlsbad hold the CFP?
46% of the 35 fee-only advisors in Carlsbad hold the CFP certification, based on the credentials listed on each record.
Does California tax income on top of federal tax?
Yes. California has a state income tax, so a financial plan for a California resident should project it alongside federal tax.
How current is this list of fee-only advisors in Carlsbad?
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 35 advisors in Carlsbad
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Stephen Nelson | Birchwood Capital LLC | Carlsbad | CFP, CFA | Flat fee or retainer, Ongoing planning fee |
| Laryssa Freeman | Meritage Wealth Management LLC | Carlsbad | CFP | Percentage of assets |
| Nannette Belt | Inspiration Financial Planning LLC | Carlsbad | CFP, RICP, MBA | Ongoing planning fee, Percentage of assets |
| Allen Regan | Vistica Wealth Advisors | Carlsbad | CFP | Percentage of assets, Flat fee or retainer |
| Jeffrey Vistica | Vistica Wealth Advisors | Carlsbad | CFP, ChFC | Percentage of assets, Flat fee or retainer |
| Bradley Sayre | Shared Vision Wealth Group | Carlsbad | CFP | Percentage of assets, Hourly |
| Bryan Theall | Shared Vision Wealth Group | Carlsbad | CFP | Percentage of assets, Hourly |
| Carolina Ortiz | Shared Vision Wealth Group | Carlsbad | CFP | Percentage of assets, Hourly |
| Thomas Kelly | Kelly Investment Management | Carlsbad | CFP | One-time planning fee |
| Daniel Vistica | Vistica Wealth Advisors | Carlsbad | Not listed | Percentage of assets, Flat fee or retainer |
| Andrew Sontag | Carlsbad Wealth Advisory Group | Carlsbad | CFP | Percentage of assets |
| Heather Sontag | Carlsbad Wealth Advisory Group | Carlsbad | CFP | Percentage of assets |
| John Lacey | Pacific Point Wealth Management | Carlsbad | CFP | Percentage of assets |
| Matthew Brayer | Carlsbad Wealth Advisory Group | Carlsbad | CFP | Percentage of assets |
| Austin Mangold | Seaside Wealth Management | Carlsbad | Not listed | Ongoing planning fee |
| Boonseon Gudmundsen | Beacon Financial Management | Carlsbad | CFP | Hourly |
| Derek Finch | Seaside Wealth Management | Carlsbad | Not listed | Ongoing planning fee |
| Kade Kretzschmar | Seaside Wealth Management | Carlsbad | Not listed | Ongoing planning fee |
| Shelley Murasko | Wealthrise Financial Planning | Carlsbad | CFP | Hourly |
| Ben McCollum | Pacific Point Wealth Management | Carlsbad | Not listed | Percentage of assets |
| James Curran | Pacific Point Wealth Management | Carlsbad | Not listed | Percentage of assets |
| Matthew Marchand | Pacific Point Wealth Management | Carlsbad | Not listed | Percentage of assets |
| Ryan Gorski | Pacific Point Wealth Management | Carlsbad | Not listed | Percentage of assets |
| John Chavez | Multnomah Group | Carlsbad | Not listed | Percentage of assets, Hourly |
| Kelly Doyle | Wealthrise Financial Planning | Carlsbad | Not listed | Hourly |
| Eric Rodriguez | Wealthbuilders | Carlsbad | CFP | Percentage of assets, Hourly |
| Matthew Higbie | Birchwood Capital | Carlsbad | CFA | Hourly, Fixed fees |
| Andrew Liu | MKT Advisors | Carlsbad | Not listed | Percentage of assets |
| Barry Waits | Waits Investments | Carlsbad | Not listed | Percentage of assets, Hourly |
| Basem Darwich | MKT Advisors | Carlsbad | Not listed | Percentage of assets |
| Brady Bishop | Waits Investments | Carlsbad | Not listed | Percentage of assets, Hourly |
| Corinne Fond | MKT Advisors | Carlsbad | Not listed | Percentage of assets |
| Lester Antman | Simplyrich | Carlsbad | Not listed | Percentage of assets, Fixed fees |
| Michael Harnett | Harnett Investment Advisers | Carlsbad | Not listed | Percentage of assets |
| Taylor Jobe | MKT Advisors | Carlsbad | Not listed | Percentage of assets |
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