Financial advisors for retirement planning in San Ramon, California

Which financial advisor should I talk to about retirement planning in San Ramon?

For retirement planning in San Ramon, 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 Michael Maloon of California Financial Advisors, Louis Dagen of Auspicious Financial Planning and Brian Stormont of Insight Wealth Strategies.

How many fee-only financial advisors in San Ramon work on retirement planning?

The Wellspent public graph lists 30 fee-only advisors for retirement planning in San Ramon, at 5 firms. We counted every advisor record that lists this work, as of October 2026.

How do fee-only advisors for retirement planning in San Ramon charge?

The most common fee among fee-only advisors for retirement planning in San Ramon is a percentage of assets, used by 100% of the 30 with fees on file. Many use more than one: 50% charge an ongoing planning fee and 43% 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.

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 Ramon, 33% of the 30 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 Ramon?

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 Ramon?

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.