Financial advisors for retirement planning in San Francisco, California

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.

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.

See every fee-only advisor fee in California

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.

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?

1. How do you decide which accounts I draw from first?
2. When would you have me claim Social Security, and why?
3. How do you handle a bad market in my first years of retirement?
4. Will you run Roth conversion scenarios for me each year?
5. 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.