# Financial advisors for flat-fee planning in California > For flat-fee planning in California, talk to a fee-only planner who charges a set price rather than a percentage of your assets. That suits people who want advice without moving their accounts, or whose assets would make a percentage fee expensive. Records to start with include Andy Moran of Ad Astra Financial Planning, Sara Gawick of Illumination Wealth Management and Adam Wilkins of Boldin. Page: https://find.wellspent.co/specialties/flat-fee-planning/california/ 58 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to about flat-fee planning in California? For flat-fee planning in California, talk to a fee-only planner who charges a set price rather than a percentage of your assets. That suits people who want advice without moving their accounts, or whose assets would make a percentage fee expensive. Records to start with include Andy Moran of Ad Astra Financial Planning, Sara Gawick of Illumination Wealth Management and Adam Wilkins of Boldin. - [Andy Moran](https://find.wellspent.co/advisors/andy-moran/), Ad Astra Financial Planning, Santa Rosa. Holds the CFP. Fees on file: flat fee or retainer, subscription. - [Sara Gawick](https://find.wellspent.co/advisors/sara-gawick/), Illumination Wealth Management, San Diego. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Adam Wilkins](https://find.wellspent.co/advisors/adam-wilkins/), Boldin, Mill Valley. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Giovanna Leyva](https://find.wellspent.co/advisors/giovanna-leyva/), Tidemark Financial Partners, San Diego. Holds the CFP. Fees on file: flat fee or retainer, percentage of assets. - [Justin Waller](https://find.wellspent.co/advisors/justin-waller/), Waller Financial Coaching, Folsom. Holds the CFP. Fees on file: flat fee or retainer. - [Will Steinberger](https://find.wellspent.co/advisors/will-steinberger/), Think Different Financial Planning, Menlo Park. Holds the CFP. Fees on file: ongoing planning fee. ## How many fee-only financial advisors in California work on flat-fee planning? The Wellspent public graph lists 58 fee-only advisors for flat-fee planning in California, at 35 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for flat-fee planning in California located? Of the 58 fee-only advisors for flat-fee planning in California, 17 are in San Diego, followed by 7 in Mill Valley and 3 in Los Angeles. ## How do fee-only advisors for flat-fee planning in California charge? The most common fee among fee-only advisors for flat-fee planning in California is a flat fee or retainer, used by 90% of the 58 with fees on file. Many use more than one: 69% charge an ongoing planning fee and 38% charge a one-time planning fee. ## 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. ## What credentials should a financial advisor for flat-fee planning have? For flat-fee planning, look for the CFP. In California, 66% of the 58 advisors listed hold the CFP. - CFP (66% of advisors listed): The CFP is the common standard for comprehensive planning. ## How do California advisors for flat-fee planning compare with the rest of the US? 38% of fee-only advisors for flat-fee planning in California charge a one-time planning fee, compared with 47% of the 350 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## What should I ask a financial advisor about flat-fee planning in California? - What exactly does the flat fee include, and what costs extra? - Will the fee rise as my assets grow? - Do you manage investments, or advise on accounts I keep? - How often do we meet? ## How current is this list of fee-only advisors for flat-fee planning 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. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Michael Halper](https://find.wellspent.co/advisors/michael-halper.md) | Strateon Intelligent Wealth | Simi Valley, California | CFP | Subscription, One-time planning fee, Hourly | | [Michael Rodriguez](https://find.wellspent.co/advisors/michael-rodriguez.md) | Equanimity Wealth | Glendale, California | CFP | Subscription, One-time planning fee, Hourly | | [Shannon Fleener](https://find.wellspent.co/advisors/shannon-fleener.md) | Sage Financial Planning | San Diego, California | CFP | Subscription, One-time planning fee, Hourly | | [David Lyon](https://find.wellspent.co/advisors/david-lyon.md) | Lyon Wealth Advisory | San Deigo, California | CFP, EA, CRPC | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Gerardo Garcia Jr](https://find.wellspent.co/advisors/gerardo-garcia-jr.md) | Confianza Wealth Management | Vista, California | CFP, MBA | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Patrick Yaghoobians](https://find.wellspent.co/advisors/patrick-yaghoobians.md) | Noor Financial Services | Los Angeles, California | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Praveen Krishnamurthy](https://find.wellspent.co/advisors/praveen-krishnamurthy.md) | Empower Financial | Fremont, California | CFP | One-time planning fee, Hourly | | [Ryan Miyamoto](https://find.wellspent.co/advisors/ryan-miyamoto.md) | Derive Wealth | Pasadena, California | CFP, MBA | Flat fee or retainer, Ongoing planning fee | | [Stephen Nelson](https://find.wellspent.co/advisors/stephen-nelson.md) | Birchwood Capital LLC | Carlsbad, California | CFP, CFA | Flat fee or retainer, Ongoing planning fee | | [Will Steinberger](https://find.wellspent.co/advisors/will-steinberger.md) | Think Different Financial Planning | Menlo Park, California | CFP | Ongoing planning fee | | [Cynthia Jabr](https://find.wellspent.co/advisors/cynthia-jabr.md) | Brand New Day Wealth Planning | Los Angeles, California | CFP | Flat fee or retainer, Hourly, One-time planning fee | | [John Pak](https://find.wellspent.co/advisors/john-pak.md) | Otium Advisory Group | El Segundo, California | BA, CFP, EA, MST, RICP | Flat fee or retainer, Hourly, One-time planning fee | | [Lorne Abramson](https://find.wellspent.co/advisors/lorne-abramson.md) | Abramson Financial Planning, LLC | Burlingame, California | CFA, CFP, CTEC, EA, MBA | Flat fee or retainer, Hourly, One-time planning fee | | [Mike Farrow](https://find.wellspent.co/advisors/mike-farrow.md) | FlightPath Financial Planning | San Diego, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Charles Malsbury](https://find.wellspent.co/advisors/charles-malsbury.md) | ThinkPlanSave, LLC | Daly City, California | CFP, MBA | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly, Percentage of assets | | [Andy Moran](https://find.wellspent.co/advisors/andy-moran.md) | Ad Astra Financial Planning | Santa Rosa, California | CFP | Flat fee or retainer, Subscription | | [Justin Waller](https://find.wellspent.co/advisors/justin-waller.md) | Waller Financial Coaching | Folsom, California | CEPA, CFP | Flat fee or retainer | | [Matthew Etzler](https://find.wellspent.co/advisors/matthew-etzler.md) | Etzler Financial Advisors, LLC | Red Bluff, California | CFP | Hourly, Subscription, One-time planning fee | | [Christian Litscher](https://find.wellspent.co/advisors/christian-litscher.md) | Illumination Wealth Management | San Diego, California | CFP, CFA | Flat fee or retainer, Ongoing planning fee | | [Christine Papelian](https://find.wellspent.co/advisors/christine-papelian.md) | Illumination Wealth Management | San Diego, California | CFP | Flat fee or retainer, Ongoing planning fee | | [David Kim](https://find.wellspent.co/advisors/david-kim-7316818.md) | Illumination Wealth Management | San Diego, California | CFP | Flat fee or retainer, Ongoing planning fee | | [John Kenny](https://find.wellspent.co/advisors/john-kenny.md) | Illumination Wealth Management | Berkeley, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Norman Mangina](https://find.wellspent.co/advisors/norman-mangina.md) | Illumination Wealth Management | Palm Springs, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Sara Gawick](https://find.wellspent.co/advisors/sara-gawick.md) | Illumination Wealth Management | San Diego, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Zachary Benton](https://find.wellspent.co/advisors/zachary-benton.md) | Illumination Wealth Management | San Diego, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Nicole Peterkin](https://find.wellspent.co/advisors/nicole-peterkin.md) | Peterkin Financial | Encinitas, California | CFP | Flat fee or retainer, Ongoing planning fee, Percentage of assets, One-time planning fee | | [Samantha Vient](https://find.wellspent.co/advisors/samantha-vient.md) | Ellevest | Costa Mesa, California | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee | | [Anithah Neelakanda-Pillai](https://find.wellspent.co/advisors/anithah-neelakanda-pillai.md) | AP Investment Management | Mountain View, California | CFP | Percentage of assets, Flat fee or retainer, Hourly, One-time planning fee | | [Daniel Huffman](https://find.wellspent.co/advisors/daniel-huffman.md) | Cornerstone Financial Planning | Other, California | ChFC | Flat fee or retainer, Ongoing planning fee | | [Giovanna Leyva](https://find.wellspent.co/advisors/giovanna-leyva.md) | Tidemark Financial Partners | San Diego, California | CFP | Flat fee or retainer, Percentage of assets, Ongoing planning fee | | [Joshua Simpson](https://find.wellspent.co/advisors/joshua-simpson.md) | Illumination Wealth Management | San Diego, California | ChFC | Flat fee or retainer, Ongoing planning fee | | [Tyler Abney](https://find.wellspent.co/advisors/tyler-abney.md) | Tidemark Financial Partners | San Diego, California | CFP | Flat fee or retainer, Percentage of assets, Ongoing planning fee | | [Adam Wilkins](https://find.wellspent.co/advisors/adam-wilkins.md) | Boldin | Mill Valley, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Adrienne Stark](https://find.wellspent.co/advisors/adrienne-stark.md) | Boldin | Mill Valley, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Andrew Barton](https://find.wellspent.co/advisors/andrew-barton.md) | Boldin | Mill Valley, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Brianna Black](https://find.wellspent.co/advisors/brianna-black.md) | Boldin | Mill Valley, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Edward Williams](https://find.wellspent.co/advisors/edward-williams.md) | Boldin | Mill Valley, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Lyndon Lorenz](https://find.wellspent.co/advisors/lyndon-lorenz.md) | Boldin | Mill Valley, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Robert Shopes](https://find.wellspent.co/advisors/robert-shopes.md) | Favrile Financial | Del Mar, California | CFP | Flat fee or retainer, Ongoing planning fee | | [Sylvia Kwan](https://find.wellspent.co/advisors/sylvia-kwan.md) | Ellevest | San Francisco, California | CFA | Percentage of assets, Flat fee or retainer, Ongoing planning fee | | [Benjamin Rinkey](https://find.wellspent.co/advisors/benjamin-rinkey.md) | Illumination Wealth Management | San Diego, California | | Flat fee or retainer, Ongoing planning fee | | [Matthew Rinkey](https://find.wellspent.co/advisors/matthew-rinkey.md) | Illumination Wealth Management | San Diego, California | | Flat fee or retainer, Ongoing planning fee | | [Michael Pablo](https://find.wellspent.co/advisors/michael-pablo.md) | Agile Financial Planning | San Francisco, California | CFP | Percentage of assets, Flat fee or retainer, One-time planning fee | | [Ryan Melnyk](https://find.wellspent.co/advisors/ryan-melnyk.md) | Manzanita Wealth Management | West Sacramento, California | | Flat fee or retainer, Ongoing planning fee, Percentage of assets, One-time planning fee | | [Kristian Blom](https://find.wellspent.co/advisors/kristian-blom.md) | Blom Levy & Co | Santa Barbara, California | | Flat fee or retainer, Ongoing planning fee | | [Anthony McLean](https://find.wellspent.co/advisors/anthony-mclean.md) | Tidemark Financial Partners | San Diego, California | | Flat fee or retainer, Percentage of assets, Ongoing planning fee | | [Brad Duerks](https://find.wellspent.co/advisors/brad-duerks.md) | Tidemark Financial Partners | San Diego, California | | Flat fee or retainer, Percentage of assets, Ongoing planning fee | | [Frank Alvarez](https://find.wellspent.co/advisors/frank-alvarez.md) | Tidemark Financial Partners | San Diego, California | | Flat fee or retainer, Percentage of assets, Ongoing planning fee | | [Gregory Legorreta](https://find.wellspent.co/advisors/gregory-legorreta.md) | Loam Advisory | Los Angeles, California | | One-time planning fee, Flat fee or retainer | | [Jared Redfield](https://find.wellspent.co/advisors/jared-redfield.md) | Tidemark Financial Partners | San Diego, California | | Flat fee or retainer, Percentage of assets, Ongoing planning fee | Showing the first 50 of 58. The full list, page by page: https://find.wellspent.co/specialties/flat-fee-planning/california/?page=2 ## Related - [Retirement planning in California](https://find.wellspent.co/specialties/retirement-planning/california.md) - [Estate planning in California](https://find.wellspent.co/specialties/estate-planning/california.md) - [Tax planning in California](https://find.wellspent.co/specialties/tax-planning/california.md) - [Founders in California](https://find.wellspent.co/specialties/founders-pre-exit/california.md) - [Family wealth transfer in California](https://find.wellspent.co/specialties/family-wealth-transfer/california.md) - [Retirees in California](https://find.wellspent.co/audiences/retirees/california.md) ## 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).