# Financial advisors for retirement planning in San Francisco, California > For retirement planning in San Francisco, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Claudia Fitch of Fitch Financial Advisors, Glen Monroe of Monroe Wealth Management and Kate Wilusz of Fiat Lux Financial Planning. Page: https://find.wellspent.co/specialties/retirement-planning/california/san-francisco/ 39 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 retirement planning in San Francisco? For retirement planning in San Francisco, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Claudia Fitch of Fitch Financial Advisors, Glen Monroe of Monroe Wealth Management and Kate Wilusz of Fiat Lux Financial Planning. - [Claudia Fitch](https://find.wellspent.co/advisors/claudia-fitch/), Fitch Financial Advisors, San Francisco City. Holds the CFP. Fees on file: one-time planning fee. - [Glen Monroe](https://find.wellspent.co/advisors/glen-monroe/), Monroe Wealth Management, San Francisco City. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Kate Wilusz](https://find.wellspent.co/advisors/kate-wilusz/), Fiat Lux Financial Planning, San Francisco City. Holds the CFP. Fees on file: ongoing planning fee, one-time planning fee. - [Jackie Kleinman](https://find.wellspent.co/advisors/jackie-kleinman/), KB Financial Advisors, San Francisco City. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Carmetta Joyner](https://find.wellspent.co/advisors/carmetta-joyner/), Joyner Financial Planning LLC, San Francisco City. Holds the CFP. Fees on file: one-time planning fee, hourly. - [Gitanjali Kumar](https://find.wellspent.co/advisors/gitanjali-kumar/), Worthique LLC, San Francisco City. Holds the CFP. Fees on file: ongoing planning fee, one-time planning fee. ## How many fee-only financial advisors in San Francisco work on retirement planning? The Wellspent public graph lists 39 fee-only advisors for retirement planning in San Francisco, at 24 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for retirement planning in San Francisco charge? The most common fee among fee-only advisors for retirement planning in San Francisco is a percentage of assets, used by 79% of the 39 with fees on file. Many use more than one: 38% charge by the hour and 38% charge fixed fees. ## How much do fee-only financial advisors charge in San Francisco? Fee-only financial advisors in San Francisco charge a median of $6,000 a year for ongoing planning. We found this across the published prices of 14 San Francisco firms. ## How much does a one-time financial plan cost in San Francisco? A one-time financial plan from a fee-only firm in San Francisco has a median price of $3,000. We found this across the published prices of 11 San Francisco firms. ## What credentials should a financial advisor for retirement planning have? For retirement planning, look for the CFP. In San Francisco, 67% of the 39 advisors listed hold the CFP. - CFP (67% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. ## How do San Francisco advisors for retirement planning compare with the rest of the US? 67% of fee-only advisors for retirement planning in San Francisco hold the CFP, compared with 46% of the 7,304 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does California tax Social Security? No. California doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor about retirement planning in San Francisco? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does California tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning in San Francisco? 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 | |---|---|---|---|---| | [Michal Skowronski](https://find.wellspent.co/advisors/michal-skowronski.md) | Skylark Wealth, LLC | San Francisco, California | CFP | Percentage of assets, Flat fee or retainer | | [Carmetta Joyner](https://find.wellspent.co/advisors/carmetta-joyner.md) | Joyner Financial Planning LLC | San Francisco, California | CFP | One-time planning fee, Hourly | | [Christina Empedocles](https://find.wellspent.co/advisors/christina-empedocles.md) | Insight Personal Finance | San Francisco, California | CFP | Flat fee or retainer, Ongoing planning fee, Hourly, One-time planning fee | | [Glen Monroe](https://find.wellspent.co/advisors/glen-monroe.md) | Monroe Wealth Management | San Francisco, California | CFP | Percentage of assets, Ongoing planning fee | | [Said Israilov](https://find.wellspent.co/advisors/said-israilov.md) | Israilov Financial | San Francisco, California | CFP | Percentage of assets, One-time planning fee | | [Don Martini](https://find.wellspent.co/advisors/don-martini.md) | Envision Financial Planning | San Francisco, California | CFA, CFP | Percentage of assets, Hourly, Fixed fees | | [Gitanjali Kumar](https://find.wellspent.co/advisors/gitanjali-kumar.md) | Worthique LLC | San Francisco, California | CFP | Ongoing planning fee, One-time planning fee, Hourly | | [Kate Wilusz](https://find.wellspent.co/advisors/kate-wilusz.md) | Fiat Lux Financial Planning | San Francisco, California | CFP, CRPC | Ongoing planning fee, One-time planning fee | | [Rick Valenzi](https://find.wellspent.co/advisors/rick-valenzi.md) | The Financial Zen Group, Inc. | San Francisco, California | CFP, CRPC | Ongoing planning fee | | [Jessica Lanning](https://find.wellspent.co/advisors/jessica-lanning.md) | Lanning Financial | San Francisco, California | CFP | Percentage of assets, One-time planning fee | | [Mike Biggica](https://find.wellspent.co/advisors/mike-biggica.md) | Pixel Financial Planning, LLC | San Francisco, California | CFP, MBA | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Jackie Kleinman](https://find.wellspent.co/advisors/jackie-kleinman.md) | KB Financial Advisors | San Francisco, California | CFP | Percentage of assets, Ongoing planning fee | | [Joshua Loveall](https://find.wellspent.co/advisors/joshua-loveall.md) | KB Financial Advisors | San Francisco, California | CFP | Percentage of assets, Ongoing planning fee | | [Charles Angle](https://find.wellspent.co/advisors/charles-angle.md) | Rssic | San Francisco, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Claudia Fitch](https://find.wellspent.co/advisors/claudia-fitch.md) | Fitch Financial Advisors | San Francisco, California | CFP | One-time planning fee | | [John McNertney](https://find.wellspent.co/advisors/john-mcnertney.md) | Green Ocean Global | San Francisco, California | CFP | Percentage of assets, Fixed fees | | [Mark Moberg](https://find.wellspent.co/advisors/mark-moberg.md) | Green Ocean Global | San Francisco, California | CFP | Percentage of assets, Fixed fees | | [Noa Hoffman](https://find.wellspent.co/advisors/noa-hoffman.md) | Green Ocean Global | San Francisco, California | CFP | Percentage of assets, Fixed fees | | [Don Eidam](https://find.wellspent.co/advisors/don-eidam.md) | Roof Eidam Maycock Peralta | San Francisco, California | CFP | Percentage of assets | | [Gary Roof](https://find.wellspent.co/advisors/gary-roof.md) | Roof Eidam Maycock Peralta | San Francisco, California | CFP | Percentage of assets | | [Juan Carlos Peralta](https://find.wellspent.co/advisors/juan-carlos-peralta.md) | Roof Eidam Maycock Peralta | San Francisco, California | CFP | Percentage of assets | | [Kathleen Hentges](https://find.wellspent.co/advisors/kathleen-hentges.md) | Applied Advisor | San Francisco, California | CFP | Hourly | | [Manuel Apolonio](https://find.wellspent.co/advisors/manuel-apolonio.md) | Hanke & Apolonio Wealth Advisors | San Francisco, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Milo Hanke](https://find.wellspent.co/advisors/milo-hanke.md) | Hanke & Apolonio Wealth Advisors | San Francisco, California | CFP | Percentage of assets, Hourly, Fixed fees | | [Randall Maycock](https://find.wellspent.co/advisors/randall-maycock.md) | Roof Eidam Maycock Peralta | San Francisco, California | CFP | Percentage of assets | | [Thomas Owens](https://find.wellspent.co/advisors/thomas-owens.md) | Roof Eidam Maycock Peralta | San Francisco, California | CFP | Percentage of assets | | [Harish Prabandham](https://find.wellspent.co/advisors/harish-prabandham.md) | Rubric Advisors | San Francisco, California | | Percentage of assets, Hourly, Ongoing planning fee | | [Holger Berndt](https://find.wellspent.co/advisors/holger-berndt.md) | Rssic | San Francisco, California | CFA | Percentage of assets, Hourly, Fixed fees | | [Matthew Powers](https://find.wellspent.co/advisors/matthew-powers.md) | Steward | San Francisco, California | | Flat fee or retainer | | [Nihal Muzumdar](https://find.wellspent.co/advisors/nihal-muzumdar.md) | Rubric Advisors | San Francisco, California | | Percentage of assets, Hourly, Ongoing planning fee | | [Clayton Earle](https://find.wellspent.co/advisors/clayton-earle.md) | Elevate Wealth Group | San Francisco, California | | Percentage of assets, Fixed fees | | [Jacob Schwartz](https://find.wellspent.co/advisors/jacob-schwartz.md) | Green Ocean Global | San Francisco, California | | Percentage of assets, Fixed fees | | [Joel Stilwell](https://find.wellspent.co/advisors/joel-stilwell.md) | Rssic | San Francisco, California | | Percentage of assets, Hourly, Fixed fees | | [Ryan Ahrens](https://find.wellspent.co/advisors/ryan-ahrens.md) | Green Ocean Global | San Francisco, California | | Percentage of assets, Fixed fees | | [Sherry Karlsson](https://find.wellspent.co/advisors/sherry-karlsson.md) | Rssic | San Francisco, California | | Percentage of assets, Hourly, Fixed fees | | [Stephen Miles](https://find.wellspent.co/advisors/stephen-miles.md) | Sutro Advisors | San Francisco, California | | Ongoing planning fee, Percentage of assets | | [William Catton](https://find.wellspent.co/advisors/william-catton.md) | Catton Capital Partners | San Francisco, California | CFA | Percentage of assets, Hourly, Fixed fees | | [Elena Hawk](https://find.wellspent.co/advisors/elena-hawk.md) | Hawk Advisory | San Francisco, California | | Flat fee or retainer, Percentage of assets, Ongoing planning fee, One-time planning fee | | [Stephen Catton](https://find.wellspent.co/advisors/stephen-catton.md) | Catton Capital Partners | San Francisco, California | | Percentage of assets, Hourly, Fixed fees | ## Related - [Founders in San Francisco](https://find.wellspent.co/specialties/founders-pre-exit/california/san-francisco.md) - 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