Retirement Planning » Financial Advisors » San Diego, CA

Financial Advisors San Diego, CA

Latest update: November 14, 2019

Population3,340,000
State Income Tax8.00%
Median Home Price$635,000
City Sales Tax7.75%

San Diego is the third-largest city in California and the eighth-largest city in the United States.

Find a financial advisor in San Diego, CA

There are nearly 2,000 financial advisors to choose from in San Diego, CA. We researched all of the best options in the city based on Securities and Exchange Commission filings, customer reviews, certifications and asset requirements. You’ll learn about the services offered by each San Diego financial advisor and a bit about the company’s culture or philosophy so you make the best choice.

Planning Within Reach

  • Assets Managed: $800,000
  • Minimum Assets: $5,000

Planning Within Reach has been providing financial advisory services for a decade, and added portfolio management to the list of services in 2019, with assets under management multiplying at a steady pace. The company also offers tax preparation services. Planning Within Reach is probably the most flexible financial advisor in San Diego, with virtual services available to work with the client’s schedule and a lower-cost fee structure.

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Reyes Financial Architecture

  • Assets Managed: $55.5 million
  • Minimum Assets: $500,000

Financial advisors at Reyes Financial Architecture help clients find a balance between growing and protecting their wealth. The firm is an independent fiduciary firm specializing in financial planning, portfolio risk management, retirement planning, life insurance and tax reduction strategies.

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Next Gen Financial Planning, LLC

  • Assets Managed: $12 million
  • Minimum Assets: N/A

Next Gen Financial Planning works with clients in San Diego and across the U.S. through virtual meetings. Financial advisors at the firm work with individuals in their 20s through 40s to guide them through using money as a resource for balancing today’s needs with future goals.

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Pure Financial Advisors, Inc.

  • Assets Managed: $2.28 billion
  • Minimum Assets: N/A

Client education is at the core of Pure Financial Advisors’ services. The firm works with leading academics to provide financial education to clients one-on-one and at events. Pure Financial Advisors offers tax, retirement and estate planning, cash flow analysis and risk management consulting. Clients can use a mobile app to stay on top of their financial picture.

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HoyleCohen Wealth Management

  • Assets Managed: $1.7 billion
  • Minimum Assets: $500,000

HoyleCohen Wealth Management offers financial planning through three programs: Wealth by Design, Women and Wealth and Beyond Wealth. These targeted planning methods address client needs at various stages of life. Founded in 2002, HoyleCohen grew from a staff of two to over 40 team members.

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Private Asset Management

  • Assets Managed: $697 million
  • Minimum Assets: $100,000

Private Asset Management provides financial advice with services tailored to each client. The firm delivers unbiased financial advising with objective, fee-based management. Private Asset Management specializes in investment management and offers financial planning and wealth planning, whether or not the firm manages the client’s investments.

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Rowling & Associates

  • Assets Managed: $354 million
  • Minimum Assets: N/A

Rowling & Associates clients can take advantage of a nine-step financial planning process covering all facets of financial health. The firm has a program for uncovering socially and environmentally responsible investments as well. Rowling & Associates manages investment portfolios and offers the Intricity program for those who want to manage their portfolio with assistance from a financial advisor.

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Creative Capital Management Investments LLC

  • Assets Managed: $329.7 million
  • Minimum Assets: $500,000

The financial advisors at Creative Capital Management Investments provide a broad range of personalized, proactive financial planning services. The firm also offers specialized financial planning for business owners and investment management services. Creative Capital Management Investments specializes in working with clients who are close to retirement, widows, executives transitioning from corporate life and business owners preparing for a liquidity event.

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Financial Advisor Reviews San Diego, CA


Planning Within Reach, LLC

The financial advisors at Planning Within Reach provide tailored financial planning that can be a one-time arrangement or an ongoing relationship with annual checkups. Planning Within Reach advisors help clients with budgeting and cash flow, debt management, college funding, retirement and estate planning and other financial concerns. Financial advising is provided for a flat fee ranging from $900 to $5,000, depending on the scope of the project. The hourly rate for financial planning and tax services is under $200. The firm’s investment management service fees are a percentage of assets with very reasonable rates and a flat fee for the initial visit for most investment clients. The firm uses a fundamental, long-term approach to financial planning and investment strategies.

Planning Within Reach provides all services via virtual online meetings, so a financial advisor can meet at nearly any time that’s convenient for the client. The firm can pass on significant savings to clients due to low overhead, and few if any paper records are exchanged.

Planning Within Reach, LLC
Assets Managed $800,000
Minimum Assets $5,000
Number of Advisors 2
Fee Structure Fee-Only
Address 11453 Willapa Cv.

Reyes Financial Architecture

The financial advisors at Reyes Financial Architecture offer customized services to each client. The firm provides portfolio management, insurance analyses and retirement income planning with a Medicare consultant on staff. Reyes Financial Architecture considers the client’s entire financial scenario and is especially sensitive to taxes when developing investment or other financial plans. Financial advisors at RFA create customized financial plans for clients, including a thorough review of retirement funds, investments, Social Security benefits, taxes, insurance and estate planning.

The company charges a percentage of assets for managed portfolios with separate hourly rates and flat fees for financial planning.

Reyes Financial Architecture
Assets Managed $55.5 Million
Minimum Assets $500,000
Number of Advisors 2
Fee Structure Fee-Based
Address 4660 La Jolla Village Drive Suite 725

Next Gen Financial Planning

Young professionals have different needs for financial planning compared with older individuals. Financial advisors at Next Gen Financial Planning in San Diego assist clients age 20 to around 49 with strategies for buying a home, supporting a family, making investment decisions, planning for further education and more. Next Gen advisors provide advice for general investing, budget planning, taxes, business planning and when appropriate, estate planning.

The firm charges fixed fees of $1,200 to $4,500 annually, divided into affordable monthly payments. Next Gen financial advisors may also work for an hourly fee.

Next Gen Financial Planning
Assets Managed $12 Million
Minimum Assets N/A
Number of Advisors 2
Fee Structure Fee-Only
Address 2550 5th Ave. Suite 700

Pure Financial Advisors, Inc.

Pure Financial Advisors was founded in 2007 and continually maintains a tax-centric focus on comprehensive financial planning and investment management. The firm’s services are fine-tuned for those reaching retirement age and retirees. Pure Financial Advisors ranks nationally as one of the fastest-growing fee-only registered investment advisors by Financial Times and other publications. Decades of financial science research is the basis for Pure Financial Advisors’ services. Advisors use this information and portfolio models to guide strategies.

Pure Financial typically charges a flat fee for planning, and investment management fees are based on a percentage of portfolio assets. Hourly rates start at $275. Clients utilizing Pure Financial Advisors’ ongoing asset management services pay no additional fees for financial planning.

Pure Financial Advisors, Inc.
Assets Managed $2.28 Billion
Minimum Assets N/A
Number of Advisors 26
Fee Structure Fee-Only
Address 3131 Camino Del Rio N. Suite 1550

HoyleCohen Wealth Management

HoyleCohen provides ongoing, collaborative financial planning services. Financial advisors help clients see and understand all facets of their wealth using the Wealth by Design process. The program includes a look at the client’s tax, retirement and college planning, cash flow, risk and insurance, estate and charitable giving, planning and more. Wealth by Design requires an ongoing relationship with the firm, but HoyleCohen also does one-time financial advising or projects.

HoyleCohen gives clients access to a secure online portal with up-to-date information about their investment assets and allocation. The portal is also an electronic vault for financial documents like wills, tax returns, insurance policies and financial plans.

Most HoyleCohen clients pay fees based on assets managed, but some pay an annual flat fee. Both arrangements include ongoing advisory services. Special projects and new clients may pay a fixed fee from $2,500 – $10,000

HoyleCohen Wealth Management
Assets Managed $1.7 Billion
Minimum Assets $500,000
Number of Advisors 23
Fee Structure Fee-Based
Address 9350 Waxie Way Suite 500

Private Asset Management

Private Asset Management opened for business in 1993. The firm currently has three certified financial advisors on staff with several other specialists in portfolio management and tax services. Private Asset Management’s strength is in investment supervisory management, and clients using those services pay nothing for financial or wealth planning. Individuals choosing not to rely on PAM for portfolio management are charged a flat fee up to $2,500 for financial advisory services. Portfolio management fees are a percentage of assets, and some services may involve a negotiated or flat fee.

Private Asset Management works with individuals, families, high net worth individuals, trusts, corporate pension and profit-sharing plans, charitable institutions, foundations and endowments. The firm focuses on long-term growth, value and minimal transactional activity for portfolio management. In-house research analysts and portfolio managers make investment decisions on behalf of clients.

Private Asset Management
Assets Managed $697 Million
Minimum Assets $100,000
Number of Advisors 3
Fee Structure Fee-Based
Address 5348 Carroll Canyon Road Suite 200

Rowling & Associates

Take one look at Rowling & Associates’ website, and you will see a financial advisory firm with an uplifting, personal touch. The firm has been offering fee-only financial advising and tax services in San Diego for over 30 years. Financial planning at Rowling & Associates is an in-depth process involving questionnaires, an introductory meeting and collaboration between the advisor and client via email and phone. After receiving the financial plan, the client can opt to use Rowling & Associates to manage their assets, or take on that responsibility themselves with some help from the unique Intricity program.

Through Intricity, you pay a monthly fee in exchange for an updated financial plan, portfolio rebalancing, one basic tax return and access to a financial advisor anytime you have a question throughout the year. Rowling & Associates also offers a sustainable investing program where stocks are chosen from companies for their environmental, social and governance characteristics, known as ESG.

Rowling & Associates
Assets Managed $354 Million
Minimum Assets N/A
Number of Advisors 4
Fee Structure Fee-Only
Address 8889 Rio San Diego Drive Suite 202

Creative Capital Management Investments

Creative Capital Management Investments doesn’t just complete a financial plan and then cut you loose to navigate the financial advisor’s suggestion on your own. Each financial plan includes a detailed schedule to show clients how to implement recommendations for an improved financial future. The advisor follows up with the client regularly to check on progress and to see if they need assistance with the plan’s suggestions. Creative Capital Management Investments’ financial advisors invite clients to review financial plans at least once a year. Consulting is available for a flat or hourly fee.

Creative Capital Management Investments offers the First Step Financial Plan for younger clients or those who have less complicated finances. This service is also provided for a flat fee. First Step Financial Plans focus on creating stable finances over 10 to 15 years, saving retirement planning for later.

Creative Capital Management Investments
Assets Managed $329.7 Million
Minimum Assets $500,000
Number of Advisors 4
Fee Structure Fee-Only
Address 8880 Rio San Diego Drive Suite 1150

Conclusion

When searching for a financial advisor it’s important to do your research. We recommend speaking with three advisors to ensure you have explored all options and know what to expect.

We researched the best advisors in San Diego, CA, with options for all financial situations and compiled our list to include all the criteria crucial when making a decision.

San Diego Financial Advisors
Company Assets Managed Minimum Assets Fee Structure
Planning Within Reach $800,000 $5,000 Fee-Only
Reyes Financial Architecture $55.5 Million $500,000 Fee-Based
Next Gen Financial Planning $12 Million N/A Fee-Only
Pure Financial Advisors $2.28 Billion N/A Fee-Only
HoyleCohen Wealth Management $1.7 Billion $500,000 Fee-Based
Private Asset Management $697 Million $100,000 Fee-Based
Rowling & Associates $354 Million N/A Fee-Only
Creative Capital
Management Investments
$329.7 Million $500,000 Fee-Only

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