# Financial advisors for physicians in California > For physicians in California, talk to a fee-only planner who already serves doctors and knows your stage, from training through practice ownership. Student loans, disability insurance, and contract terms are decisions most generalists rarely see. Records to start with include Annette Di Bello of Di Bello Financial, Allen Regan of Vistica Wealth Advisors and Tommy Lopez of Coffeehouse Capital LLC | Financial Planning and Wealth Management. Page: https://find.wellspent.co/specialties/physicians/california/ 52 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 as a physician in California? For physicians in California, talk to a fee-only planner who already serves doctors and knows your stage, from training through practice ownership. Student loans, disability insurance, and contract terms are decisions most generalists rarely see. Records to start with include Annette Di Bello of Di Bello Financial, Allen Regan of Vistica Wealth Advisors and Tommy Lopez of Coffeehouse Capital LLC | Financial Planning and Wealth Management. - [Annette Di Bello](https://find.wellspent.co/advisors/annette-di-bello/), Di Bello Financial, Mission Viejo. Holds the CFP and CPA. Fees on file: percentage of assets. - [Allen Regan](https://find.wellspent.co/advisors/allen-regan/), Vistica Wealth Advisors, Carlsbad. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Tommy Lopez](https://find.wellspent.co/advisors/tommy-lopez/), Coffeehouse Capital LLC | Financial Planning and Wealth Management, Fresno. Holds the CFP. Fees on file: hourly, one-time planning fee. - [David Carlson](https://find.wellspent.co/advisors/david-carlson/), Sound Investment Management, LLC, Newport Beach. Holds the CFP. Fees on file: percentage of assets. - [Austin Lee](https://find.wellspent.co/advisors/austin-lee/), Lee Financial Group LLC, Ladera Ranch. Holds the CFP. Fees on file: ongoing planning fee, percentage of assets. - [Glenn Tom](https://find.wellspent.co/advisors/glenn-tom/), Personal Best Financial, Oakland. Holds the CFP. Fees on file: ongoing planning fee. ## How many fee-only financial advisors in California work with physicians? The Wellspent public graph lists 52 fee-only advisors for physicians in California, at 27 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for physicians in California located? Of the 52 fee-only advisors for physicians in California, 9 are in San Diego, followed by 9 in Walnut Creek and 4 in Irvine. ## How do fee-only advisors for physicians in California charge? The most common fee among fee-only advisors for physicians in California is a percentage of assets, used by 90% of the 52 with fees on file. Many use more than one: 31% charge an ongoing planning fee and 29% 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. ## What credentials should a financial advisor for physicians have? For physicians, look for the CFP and CPA. In California, 44% of the 52 advisors listed hold the CFP. - CFP (44% of advisors listed): The CFP covers the insurance and retirement decisions doctors face. - CPA (2% of advisors listed): CPAs help with practice income and high-income tax. ## How do California advisors for physicians compare with the rest of the US? 31% of fee-only advisors for physicians in California charge an ongoing planning fee, compared with 16% of the 691 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## 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. ## What should I ask a financial advisor as a physician in California? - How many physicians do you work with, and at what career stage? - How would you approach my loans, including PSLF? - How do you evaluate own-occupation disability coverage? - Do you sell insurance or earn anything from it? - How will you plan for California tax alongside federal tax? ## How current is this list of fee-only advisors for physicians 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 | |---|---|---|---|---| | [Annette Di Bello](https://find.wellspent.co/advisors/annette-di-bello.md) | Di Bello Financial | Mission Viejo, California | CFP, CPA, PFS™ | Percentage of assets | | [Austin Lee](https://find.wellspent.co/advisors/austin-lee.md) | Lee Financial Group LLC | Ladera Ranch, California | CFP, MBA | Ongoing planning fee, Percentage of assets | | [Tommy Lopez](https://find.wellspent.co/advisors/tommy-lopez.md) | Coffeehouse Capital LLC \| Financial Planning and Wealth Management | Fresno, California | CFP, CRPC | Hourly, One-time planning fee | | [Rosario Chacón](https://find.wellspent.co/advisors/rosario-chacon-10416.md) | Wealth-Source Financial | Oakland, California | CFP, CSLP, CDFA, EA | Ongoing planning fee, Percentage of assets, One-time planning fee | | [Kody Brown](https://find.wellspent.co/advisors/kody-brown.md) | Sequoia Financial Group | Pasadena, California | CFP, CRPS | Percentage of assets, Hourly, Subscription, Fixed fees, Performance-based fees | | [Andrew McFadden](https://find.wellspent.co/advisors/andrew-mcfadden.md) | Panoramic Financial Advice | Fresno, California | CFP, MBA | Flat fee or retainer | | [David Carlson](https://find.wellspent.co/advisors/david-carlson.md) | Sound Investment Management, LLC | Newport Beach, California | CFP, ChFC, CKA, MBA | Percentage of assets | | [Rob Lyman](https://find.wellspent.co/advisors/rob-lyman.md) | Johnson Lyman Wealth Advisors | Los Altos, California | CFP | Percentage of assets, Fixed fees | | [Allen Regan](https://find.wellspent.co/advisors/allen-regan.md) | Vistica Wealth Advisors | Carlsbad, California | CFP | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Christine Skoczek](https://find.wellspent.co/advisors/christine-skoczek.md) | Vistica Wealth Advisors | San Diego, California | CFP | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Jeffrey Vistica](https://find.wellspent.co/advisors/jeffrey-vistica.md) | Vistica Wealth Advisors | Carlsbad, California | CFP, ChFC | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Ronald Bernstein](https://find.wellspent.co/advisors/ronald-bernstein.md) | Prism Planning Partners | Rancho Mirage, California | CFP, PFS | One-time planning fee | | [Becky Vasquez](https://find.wellspent.co/advisors/becky-vasquez.md) | Three Arch Wealth Management | Irvine, California | CFP | Percentage of assets | | [Jonathan Wong](https://find.wellspent.co/advisors/jonathan-wong.md) | Layari Financial | Fullerton, California | CFP, APMA, CRPC | Percentage of assets, Fixed fees | | [Tyler Vasquez](https://find.wellspent.co/advisors/tyler-vasquez.md) | Three Arch Wealth Management | Irvine, California | CFP | Percentage of assets | | [Eric Callahan](https://find.wellspent.co/advisors/eric-callahan.md) | Thryve Wealth Management | Santa Barbara, California | CFP | Percentage of assets | | [Ian Castille](https://find.wellspent.co/advisors/ian-castille.md) | Capital Advantage | Walnut Creek, California | CFP | Percentage of assets, Ongoing planning fee | | [Jason Terhune](https://find.wellspent.co/advisors/jason-terhune.md) | Capital Advantage | Walnut Creek, California | CFP | Percentage of assets, Ongoing planning fee | | [Philip Maravilla](https://find.wellspent.co/advisors/philip-maravilla.md) | PracticeCFO | San Diego, California | CFP | Percentage of assets, Fixed fees | | [Wesley Read](https://find.wellspent.co/advisors/wesley-read.md) | PracticeCFO | San Diego, California | CFP | Percentage of assets, Fixed fees | | [Daniel Vistica](https://find.wellspent.co/advisors/daniel-vistica.md) | Vistica Wealth Advisors | Carlsbad, California | | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Glenn Tom](https://find.wellspent.co/advisors/glenn-tom.md) | Personal Best Financial | Oakland, California | CFP | Ongoing planning fee | | [Kevin Apolinar](https://find.wellspent.co/advisors/kevin-apolinar.md) | Behavior Shift | Murrieta, California | | One-time planning fee, Subscription, Hourly | | [Anjali Jayakumar](https://find.wellspent.co/advisors/anjali-jayakumar.md) | FIT Advisors | Redondo Beach, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Brandon Hobson](https://find.wellspent.co/advisors/brandon-hobson.md) | PracticeCFO | San Diego, California | CFA | Percentage of assets, Fixed fees | | [Brian Wang](https://find.wellspent.co/advisors/brian-wang.md) | Capital Advantage | Walnut Creek, California | CFA | Percentage of assets, Ongoing planning fee | | [Colin Taylor](https://find.wellspent.co/advisors/colin-taylor.md) | Capital Advantage | Walnut Creek, California | CFA | Percentage of assets, Ongoing planning fee | | [Sasha Childers](https://find.wellspent.co/advisors/sasha-childers.md) | Three Arch Wealth Management | Irvine, California | | Percentage of assets | | [Sunni Allen](https://find.wellspent.co/advisors/sunni-allen.md) | Three Arch Wealth Management | Irvine, California | | Percentage of assets | | [Denisse Arebalo](https://find.wellspent.co/advisors/denisse-arebalo.md) | Pacific Canyon Investments | Lemon Grove, California | | Percentage of assets, Hourly, Fixed fees | | [Gary Dorfman](https://find.wellspent.co/advisors/gary-dorfman.md) | Thryve Wealth Management | Santa Barbara, California | | Percentage of assets | | [John Bell](https://find.wellspent.co/advisors/john-bell-6709012.md) | Thryve Wealth Management | Santa Barbara, California | | Percentage of assets | | [Cameron Smith](https://find.wellspent.co/advisors/cameron-smith-8165363.md) | PracticeCFO | San Diego, California | | Percentage of assets, Fixed fees | | [Dawnalizabeth Henke](https://find.wellspent.co/advisors/dawnalizabeth-henke.md) | Capital Advantage | Walnut Creek, California | | Percentage of assets, Ongoing planning fee | | [Drew Phillips](https://find.wellspent.co/advisors/drew-phillips.md) | PracticeCFO | San Diego, California | | Percentage of assets, Fixed fees | | [George Chang](https://find.wellspent.co/advisors/george-chang.md) | Pillar Point Wealth Management | San Francisco, California | | Percentage of assets, Ongoing planning fee | | [Ian Burkhard](https://find.wellspent.co/advisors/ian-burkhard.md) | Capital Advantage | Walnut Creek, California | | Percentage of assets, Ongoing planning fee | | [John Hayman](https://find.wellspent.co/advisors/john-hayman.md) | Capital Advantage | Walnut Creek, California | | Percentage of assets, Ongoing planning fee | | [Justin Read](https://find.wellspent.co/advisors/justin-read.md) | PracticeCFO | San Diego, California | | Percentage of assets, Fixed fees | | [Keo Chao](https://find.wellspent.co/advisors/keo-chao.md) | Point4ward Financial Planning | Walnut Creek, California | CFP | Percentage of assets, Fixed fees | | [Paul Lipcius](https://find.wellspent.co/advisors/paul-lipcius.md) | PracticeCFO | San Diego, California | | Percentage of assets, Fixed fees | | [Ramprasad Satagopan](https://find.wellspent.co/advisors/ramprasad-satagopan.md) | Everest Private Wealth | Cupertino, California | | Percentage of assets | | [Ranga Srinivasan](https://find.wellspent.co/advisors/ranga-srinivasan.md) | Everest Private Wealth | Cupertino, California | | Percentage of assets | | [Selma Hackett](https://find.wellspent.co/advisors/selma-hackett.md) | Capital Advantage | Walnut Creek, California | | Percentage of assets, Ongoing planning fee | | [James Kopas](https://find.wellspent.co/advisors/james-kopas.md) | Pring Turner | Alamo, California | | Hourly, Percentage of assets | | [Pat Wang](https://find.wellspent.co/advisors/pat-wang.md) | Shearwater Capital | Redondo Beach, California | | Percentage of assets | | [Thomas Kopas](https://find.wellspent.co/advisors/thomas-kopas.md) | Pring Turner | Alamo, California | | Hourly, Percentage of assets | | [Tan Khoa Ngo](https://find.wellspent.co/advisors/tan-khoa-ngo.md) | Mentor Financial Advisory Group | San Diego, California | | Percentage of assets, Hourly, Fixed fees | | [Clara Basile](https://find.wellspent.co/advisors/clara-basile.md) | Avalon Capital Management | Menlo Park, California | | Percentage of assets, Hourly | | [Erick Ormsby](https://find.wellspent.co/advisors/erick-ormsby.md) | Alcosta Capital Management | San Ramon, California | | Percentage of assets | Showing the first 50 of 52. The full list, page by page: https://find.wellspent.co/specialties/physicians/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).