# Fee-only financial advisors in San Jose, California > Start with a fee-only advisor in San Jose whose record matches what you need, then check their fees and SEC record before you call. Records to start with include Brandon Amaral of Amaral Financial Planning, LLC, Jesse Lownsbury of BetterWealth and Aaron Rubin of Werba Rubin Papier Wealth Management, LLC, chosen for their credentials and fees on file. Page: https://find.wellspent.co/locations/us/california/san-jose/ 57 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which fee-only financial advisor should I talk to in San Jose? Start with a fee-only advisor in San Jose whose record matches what you need, then check their fees and SEC record before you call. Records to start with include Brandon Amaral of Amaral Financial Planning, LLC, Jesse Lownsbury of BetterWealth and Aaron Rubin of Werba Rubin Papier Wealth Management, LLC, chosen for their credentials and fees on file. ## How many fee-only advisors in San Jose are there? The Wellspent public graph lists 57 fee-only advisors in San Jose, at 30 firms. We counted every advisor record that fits, as of October 2026. ## What do fee-only advisors in San Jose focus on? The most common focus among fee-only advisors in San Jose is estate planning (17), followed by equity compensation (15) and family wealth transfer (12). Advisors can list more than one. ## How do fee-only advisors in San Jose charge? The most common fee among fee-only advisors in San Jose is a percentage of assets, used by 96% of the 56 with fees on file. Many use more than one: 50% charge fixed fees and 45% 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 many fee-only advisors in San Jose hold the CFP? 39% of the 57 fee-only advisors in San Jose 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 San Jose? 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 | |---|---|---|---|---| | [Charles Stermetz](https://find.wellspent.co/advisors/charles-stermetz.md) | Equity For The Win (EquityFTW) | San Jose, California | CEP, CFP | Hourly, Fixed fees | | [Brandon Amaral](https://find.wellspent.co/advisors/brandon-amaral.md) | Amaral Financial Planning, LLC | San Jose, California | CFP, EA | Ongoing planning fee, Percentage of assets | | [Jesse Lownsbury](https://find.wellspent.co/advisors/jesse-lownsbury.md) | BetterWealth | San Jose, California | CFP, CPA | Percentage of assets | | [Jeffrey Clark](https://find.wellspent.co/advisors/jeffrey-clark-6778401.md) | Redwood Money | San Jose, California | CFP | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Chengkuo Chen](https://find.wellspent.co/advisors/chengkuo-chen.md) | Redwood Money | San Jose, California | | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Christopher Thomas](https://find.wellspent.co/advisors/christopher-thomas-4306408.md) | Align WMGMT | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Glenn Young](https://find.wellspent.co/advisors/glenn-young.md) | Concentrum Wealth Management | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Lance Pieper](https://find.wellspent.co/advisors/lance-pieper.md) | Concentrum Wealth Management | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Nicholas Simonian](https://find.wellspent.co/advisors/nicholas-simonian.md) | Concentrum Wealth Management | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Adam Roberts](https://find.wellspent.co/advisors/adam-roberts.md) | Potentia Wealth | San Jose, California | CFP | Percentage of assets, Fixed fees | | [Austin Cua](https://find.wellspent.co/advisors/austin-cua.md) | Potentia Wealth | San Jose, California | CFP | Percentage of assets, Fixed fees | | [Edwin Ryu](https://find.wellspent.co/advisors/edwin-ryu.md) | Legacy Wealth Advisors | San Jose, California | PFS | Percentage of assets, Hourly, Fixed fees | | [Emmanuel Afolayan](https://find.wellspent.co/advisors/emmanuel-afolayan.md) | Lindsey & Lindsey Wealth Management | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Kevin Swanson](https://find.wellspent.co/advisors/kevin-swanson.md) | Potentia Wealth | San Jose, California | CFP | Percentage of assets, Fixed fees | | [Aaron Rubin](https://find.wellspent.co/advisors/aaron-rubin.md) | Werba Rubin Papier Wealth Management, LLC | San Jose, California | CFP, CPA, JD | Percentage of assets | | [Cary Allison](https://find.wellspent.co/advisors/cary-allison.md) | Kera Capital | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [G-Woon Choe](https://find.wellspent.co/advisors/g-woon-choe.md) | Kera Capital | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Helena Sandoval](https://find.wellspent.co/advisors/helena-sandoval.md) | Kera Capital | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Henry Hien Phan](https://find.wellspent.co/advisors/henry-hien-phan.md) | Kera Capital | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Jeffrey Spagnola](https://find.wellspent.co/advisors/jeffrey-spagnola.md) | Kera Capital | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Scott Allison](https://find.wellspent.co/advisors/scott-allison.md) | Kera Capital | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Scott Yang](https://find.wellspent.co/advisors/scott-yang.md) | Silicon Valley Wealth Advisors, LLC | San Jose, California | CFP, CPA | | | [Vincent Siewit](https://find.wellspent.co/advisors/vincent-siewit.md) | Small Victories Wealth | San Jose, California | | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Harris Willner](https://find.wellspent.co/advisors/harris-willner.md) | TTP Investments | San Jose, California | | Percentage of assets | | [Harrison Willner](https://find.wellspent.co/advisors/harrison-willner.md) | TTP Investments | San Jose, California | | Percentage of assets | | [Peter Ta](https://find.wellspent.co/advisors/peter-ta.md) | TTP Investments | San Jose, California | | Percentage of assets | | [Zachariah Kline](https://find.wellspent.co/advisors/zachariah-kline.md) | Capstone Wealth Management | San Jose, California | | Percentage of assets, Fixed fees, Performance-based fees | | [Alison Cornwell](https://find.wellspent.co/advisors/alison-cornwell.md) | Silicon Valley Capital Partners | San Jose, California | | Percentage of assets | | [Christopher Combs](https://find.wellspent.co/advisors/christopher-combs.md) | Silicon Valley Capital Partners | San Jose, California | | Percentage of assets | | [Cynthia Combs](https://find.wellspent.co/advisors/cynthia-combs.md) | Silicon Valley Capital Partners | San Jose, California | | Percentage of assets | | [Deana Moncayo](https://find.wellspent.co/advisors/deana-moncayo.md) | Silicon Valley Capital Partners | San Jose, California | | Percentage of assets | | [Julianne Jeffrey](https://find.wellspent.co/advisors/julianne-jeffrey.md) | Silicon Valley Capital Partners | San Jose, California | | Percentage of assets | | [Kelly Roemers](https://find.wellspent.co/advisors/kelly-roemers.md) | Statherós Financial Solutions | San Jose, California | | Percentage of assets | | [Michael Roberts](https://find.wellspent.co/advisors/michael-roberts.md) | Statherós Financial Solutions | San Jose, California | | Percentage of assets | | [Sandra Swanson](https://find.wellspent.co/advisors/sandra-swanson.md) | Potentia Wealth | San Jose, California | | Percentage of assets, Fixed fees | | [Christen Sando](https://find.wellspent.co/advisors/christen-sando.md) | Columbia Asset Management | San Jose, California | | Percentage of assets | | [Alan Werba](https://find.wellspent.co/advisors/alan-werba.md) | Werba Rubin Papier Wealth Management | San Jose, California | CFP | Percentage of assets | | [Andrew Howard](https://find.wellspent.co/advisors/andrew-howard.md) | Betterwealth | San Jose, California | CFP | Percentage of assets | | [Claudia Deras Sosa](https://find.wellspent.co/advisors/claudia-deras-sosa.md) | Corinthian Wealth Management | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Eleonora Tomasello](https://find.wellspent.co/advisors/eleonora-tomasello.md) | Corinthian Wealth Management | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Hannah Nolan](https://find.wellspent.co/advisors/hannah-nolan.md) | Werba Rubin Papier Wealth Management | San Jose, California | CFP | Percentage of assets | | [Jodee Lownsbury](https://find.wellspent.co/advisors/jodee-lownsbury.md) | Betterwealth | San Jose, California | CFP | Percentage of assets | | [Michael Zaplitny](https://find.wellspent.co/advisors/michael-zaplitny.md) | Fireside Financial Planning | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Patrick McDonnal](https://find.wellspent.co/advisors/patrick-mcdonnal.md) | Tamarind Financial Planning | San Jose, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Winfield Stauffer](https://find.wellspent.co/advisors/winfield-stauffer.md) | Betterwealth | San Jose, California | CFP | Percentage of assets | | [Brooks Sackett](https://find.wellspent.co/advisors/brooks-sackett.md) | Chief Capital Management | San Jose, California | | Percentage of assets, Hourly | | [Easan Arulanantham](https://find.wellspent.co/advisors/easan-arulanantham.md) | Retirement Capital Strategies | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Jason Papier](https://find.wellspent.co/advisors/jason-papier.md) | Werba Rubin Papier Wealth Management | San Jose, California | | Percentage of assets | | [Jeremy Nadel](https://find.wellspent.co/advisors/jeremy-nadel.md) | Nadel Private Wealth | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Joseph McGinley](https://find.wellspent.co/advisors/joseph-mcginley.md) | Ellis Investment Partners | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Long Nguyen](https://find.wellspent.co/advisors/long-nguyen.md) | Sigma3capital | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Mark Kalinowsky](https://find.wellspent.co/advisors/mark-kalinowsky.md) | Kalinowsky Asset Management | San Jose, California | | Percentage of assets, Hourly | | [Mary Russell](https://find.wellspent.co/advisors/mary-russell.md) | Werba Rubin Papier Wealth Management | San Jose, California | | Percentage of assets | | [Michael Bergines](https://find.wellspent.co/advisors/michael-bergines.md) | Prospero Wealth | San Jose, California | | Percentage of assets, Hourly, Fixed fees | | [Quynh Ho](https://find.wellspent.co/advisors/quynh-ho.md) | Werba Rubin Papier Wealth Management | San Jose, California | | Percentage of assets | | [Suzanne Cox](https://find.wellspent.co/advisors/suzanne-cox.md) | Betterwealth | San Jose, California | | Percentage of assets | | [Thomas Vaughan](https://find.wellspent.co/advisors/thomas-vaughan.md) | Retirement Capital Strategies | San Jose, California | | Percentage of assets, Hourly, Fixed fees | ## 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).