Financial advisors for physicians in California
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.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Annette Di Bello Di Bello Financial, Mission Viejo Holds the CFP and CPA. Fees on file: percentage of assets.
- Allen Regan Vistica Wealth Advisors, Carlsbad Holds the CFP. Fees on file: percentage of assets, flat fee or retainer.
- Tommy Lopez Coffeehouse Capital LLC | Financial Planning and Wealth Management, Fresno Holds the CFP. Fees on file: hourly, one-time planning fee.
- David Carlson Sound Investment Management, LLC, Newport Beach Holds the CFP. Fees on file: percentage of assets.
- Austin Lee Lee Financial Group LLC, Ladera Ranch Holds the CFP. Fees on file: ongoing planning fee, percentage of assets.
- 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.
Plus 24 in other cities.
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.
- CFP44% in California
- The CFP covers the insurance and retirement decisions doctors face.
- CPA2% in California
- 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.
Dark bars are California. Light bars are all US advisors for physicians.
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.
All 52 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Annette Di Bello Member | Di Bello Financial | Mission Viejo | CFP, CPA, PFS™ | Percentage of assets |
| Austin Lee | Lee Financial Group LLC | Ladera Ranch | CFP, MBA | Ongoing planning fee, Percentage of assets |
| Tommy Lopez | Coffeehouse Capital LLC | Financial Planning and Wealth Management | Fresno | CFP, CRPC | Hourly, One-time planning fee |
| Rosario Chacón | Wealth-Source Financial | Oakland | CFP, CSLP, CDFA, EA | Ongoing planning fee, Percentage of assets |
| Kody Brown | Sequoia Financial Group | Pasadena | CFP, CRPS | Percentage of assets, Hourly |
| Andrew McFadden | Panoramic Financial Advice | Fresno | CFP, MBA | Flat fee or retainer |
| David Carlson | Sound Investment Management, LLC | Newport Beach | CFP, ChFC, CKA, MBA | Percentage of assets |
| Rob Lyman | Johnson Lyman Wealth Advisors | Los Altos | CFP | Percentage of assets, Fixed fees |
| Allen Regan | Vistica Wealth Advisors | Carlsbad | CFP | Percentage of assets, Flat fee or retainer |
| Christine Skoczek | Vistica Wealth Advisors | San Diego | CFP | Percentage of assets, Flat fee or retainer |
| Jeffrey Vistica | Vistica Wealth Advisors | Carlsbad | CFP, ChFC | Percentage of assets, Flat fee or retainer |
| Ronald Bernstein | Prism Planning Partners | Rancho Mirage | CFP, PFS | One-time planning fee |
| Becky Vasquez | Three Arch Wealth Management | Irvine | CFP | Percentage of assets |
| Jonathan Wong | Layari Financial | Fullerton | CFP, APMA, CRPC | Percentage of assets, Fixed fees |
| Tyler Vasquez | Three Arch Wealth Management | Irvine | CFP | Percentage of assets |
| Eric Callahan | Thryve Wealth Management | Santa Barbara | CFP | Percentage of assets |
| Ian Castille | Capital Advantage | Walnut Creek | CFP | Percentage of assets, Ongoing planning fee |
| Jason Terhune | Capital Advantage | Walnut Creek | CFP | Percentage of assets, Ongoing planning fee |
| Philip Maravilla | PracticeCFO | San Diego | CFP | Percentage of assets, Fixed fees |
| Wesley Read | PracticeCFO | San Diego | CFP | Percentage of assets, Fixed fees |
| Daniel Vistica | Vistica Wealth Advisors | Carlsbad | Not listed | Percentage of assets, Flat fee or retainer |
| Glenn Tom | Personal Best Financial | Oakland | CFP | Ongoing planning fee |
| Kevin Apolinar Financial planner for Christians | Behavior Shift | Murrieta | Not listed | One-time planning fee, Subscription |
| Anjali Jayakumar | FIT Advisors | Redondo Beach | CFP | Percentage of assets, Hourly |
| Brandon Hobson | PracticeCFO | San Diego | CFA | Percentage of assets, Fixed fees |
| Brian Wang | Capital Advantage | Walnut Creek | CFA | Percentage of assets, Ongoing planning fee |
| Colin Taylor | Capital Advantage | Walnut Creek | CFA | Percentage of assets, Ongoing planning fee |
| Sasha Childers | Three Arch Wealth Management | Irvine | Not listed | Percentage of assets |
| Sunni Allen | Three Arch Wealth Management | Irvine | Not listed | Percentage of assets |
| Denisse Arebalo | Pacific Canyon Investments | Lemon Grove | Not listed | Percentage of assets, Hourly |
| Gary Dorfman | Thryve Wealth Management | Santa Barbara | Not listed | Percentage of assets |
| John Bell | Thryve Wealth Management | Santa Barbara | Not listed | Percentage of assets |
| Cameron Smith | PracticeCFO | San Diego | Not listed | Percentage of assets, Fixed fees |
| Dawnalizabeth Henke | Capital Advantage | Walnut Creek | Not listed | Percentage of assets, Ongoing planning fee |
| Drew Phillips | PracticeCFO | San Diego | Not listed | Percentage of assets, Fixed fees |
| George Chang | Pillar Point Wealth Management | San Francisco | Not listed | Percentage of assets, Ongoing planning fee |
| Ian Burkhard | Capital Advantage | Walnut Creek | Not listed | Percentage of assets, Ongoing planning fee |
| John Hayman | Capital Advantage | Walnut Creek | Not listed | Percentage of assets, Ongoing planning fee |
| Justin Read | PracticeCFO | San Diego | Not listed | Percentage of assets, Fixed fees |
| Keo Chao | Point4ward Financial Planning | Walnut Creek | CFP | Percentage of assets, Fixed fees |
| Paul Lipcius | PracticeCFO | San Diego | Not listed | Percentage of assets, Fixed fees |
| Ramprasad Satagopan | Everest Private Wealth | Cupertino | Not listed | Percentage of assets |
| Ranga Srinivasan | Everest Private Wealth | Cupertino | Not listed | Percentage of assets |
| Selma Hackett | Capital Advantage | Walnut Creek | Not listed | Percentage of assets, Ongoing planning fee |
| James Kopas | Pring Turner | Alamo | Not listed | Hourly, Percentage of assets |
| Pat Wang | Shearwater Capital | Redondo Beach | Not listed | Percentage of assets |
| Thomas Kopas | Pring Turner | Alamo | Not listed | Hourly, Percentage of assets |
| Tan Khoa Ngo | Mentor Financial Advisory Group | San Diego | Not listed | Percentage of assets, Hourly |
| Clara Basile | Avalon Capital Management | Menlo Park | Not listed | Percentage of assets, Hourly |
| Erick Ormsby | Alcosta Capital Management | San Ramon | Not listed | Percentage of assets |
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