Retirement Planning » Financial Advisors » San Francisco, CA

Financial Advisors San Francisco, CA

Latest update: September 27, 2019

Population884,363
State Income Tax8.00%
Median Home Price$1,300,000
City Sales Tax8.50%

San Francisco is the fourth largest city in California and is the financial center of northern California.

Find a financial advisor in San Francisco, CA

There are more than 6,700 financial advisors in San Francisco, which makes finding the right one for you a time-consuming task. The median average income in San Francisco is almost double the U.S. average, but the cost of living in the city is high as well.

Working with a financial advisor in San Francisco is crucial to managing your money, and we found the best options based on customer reviews, certifications, SEC filings and asset requirements.

Berkeley Investment Advisors

  • Assets Managed: $16.5 million
  • Minimum Assets: $200,000

Berkeley Investment Advisors brings Wall Street expertise to Main Street investors. The company’s financial advisory services involve discussing client goals and risk tolerance, then formulating a long-term financial plan integrated with a strategy for spending, saving and investing to reach long-term financial goals. Berkely Investment Advisors’ services also include selecting appropriate investments for each client’s needs and goals. Financial advisors at Berkeley consider psychological influences to help identify key changes a client needs to make to invest in the right assets for retirement.

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Marin Wealth Advisors LLC

  • Assets Managed: $136.3 million
  • Minimum Assets: N/A

Marin Wealth Advisors is a financial planning and investment advisor firm that serves the San Francisco area. Financial advisors at the firm work with individuals, families, businesses, nonprofits and foundations. Marin Wealth Advisors provides financial coaching, investment management, stock compensation consulting, tax and college expense planning, retirement planning and an advisor-guided online investment platform.

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Burgess Financial Planning

  • Assets Managed: $26.3 million
  • Minimum Assets: N/A

After a financial advisor at Burgess Financial Planning establishes a plan that’s realistic and easy to follow, clients learn how to make financial decisions including investing appropriately, planning for a secure retirement and choosing whether to buy or rent a home. The firm charges a flat hourly rate and offers virtual meetings so clients can speak to advisors when it’s convenient. Burgess Financial Planning offers an investment management program as well.

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Citrine Capital

  • Assets Managed: $33.1 million
  • Minimum Assets: N/A

Citrine Capital is a boutique wealth management firm with financial advisors who help families and professionals thrive. The firm assists clients with managing investments, organizing their finances and making smart decisions while considering tax consequences.

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Caerus Investment Advisors

  • Assets Managed: $151 million
  • Minimum Assets: $1 million

Caerus Investment Advisors provides holistic wealth management solutions to high net worth individuals, family offices, trusts, estates, charitable organizations, corporations and other businesses. The company’s financial advisors work with clients to make decisions about future goals for investments, estate planning and philanthropic activities. Caerus uses a consultative-open approach to financial and investment planning with sophisticated, customized services for affluent clients.

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Simplify Financial Planning

  • Assets Managed: N/A
  • Minimum Assets: N/A

Simplify Financial Planning lives up to its name by offering two levels of financial advisory services for a flat fee. The firm provides investment planning but does not actively manage portfolios, so there’s no minimum asset requirement. Simplify Financial Planning offers targeted short sessions for those who want to work on one area of their finances, and it provides longer comprehensive financial planning sessions to individuals and high net worth individuals.

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Personal Capital Advisors

  • Assets Managed: $8.5 billion
  • Minimum Assets: $100,000

Personal Capital has offices in San Francisco and is a hybrid advisor that combines online and mobile apps with a financial advisor to clients across the country. Prospective clients can access Personal Capital’s online financial tools and add investment, wealth management or private client services. The company’s app features a dashboard with your entire financial picture. If you upgrade to financial advisory services, a dedicated fiduciary advisor provides personalized wealth management advice.

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Financial Advisor Reviews San Francisco, CA


Berkeley Investment Advisors

Berkeley Investment Advisors incorporates behavioral finance principles when working with clients. This discipline recognizes that psychological factors can cause individuals to make mistakes that can be avoided with logic. Financial advisors at Berkeley Investment Advisors help you understand behavioral factors to improve your financial decisions. When creating a financial plan or investment strategy, Berkeley financial advisors take as much time as needed to understand its clients’ goals and how they react to risk to create a program that makes investing less stressful.

Working with a financial advisor at Berkeley Investment Advisors requires a minimum investment of $200,000. Fees are a percentage of assets plus a flat fee.

Berkeley Investment Advisors
Assets Managed $16.5 Million
Minimum Assets $200,000
Number of Advisors 2
Fee Structure Fee-Based
Address 201 Spear St. Suite 1100

Marin Wealth Advisors LLC

Marin Wealth Advisors’ advisors work with clients with demanding schedules in the MWA Personal Financial Coaching program. After developing a custom financial plan, Marin financial advisors assist clients on an ongoing basis and are available when critical decisions come up, including buying a home, comparing job offers and adapting to changing insurance needs.

Marin Wealth Advisors also offers advisor-guided online investment planning. Use MWA Online Advisor to get a tailored recommendation for investments aligning with your goals and tolerances. The portfolio is continuously monitored and automatically rebalanced to remain aligned with the recommended plan. Marin Wealth Advisors provides other assorted financial planning services for individuals and business owners.

MWA Financial Coaching costs $1,000 for the initial goal setting and planning, then $100 per month. The fee for investment consulting and financial planning is $250 per hour, and the investment management program charges a competitive rate with a percentage of assets under management.

Marin Wealth Advisors LLC
Assets Managed $136.3 Million
Minimum Assets N/A
Number of Advisors 6
Fee Structure Fee-Only
Address 315 Montgomery St. 10th Floor

Burgess Financial Planning

Financial advising services at Burgess Financial Planning start with a discussion about financial goals, a review of your current situation and strategies to meet your financial objectives. Burgess keeps things simple for clients by creating a financial plan they can realistically follow, then the firm recommends annual reviews and getting in touch to discuss major financial decisions as they happen. Burgess Financial Planning assists clients with investment goals, planning for a secure retirement and decisions regarding stock options and employer-sponsored accounts.

Burgess Financial Planning charges one hourly rate for financial advisory services: $360, which includes a financial plan. Investment management fees are a percentage of assets across three tiers, all under 1%. The firm only works with individuals.

Burgess Financial Planning
Assets Managed $26.3 Million
Minimum Assets N/A
Number of Advisors 1
Fee Structure Fee-Only
Address 222 Columbus Ave. Suite 211

Citrine Capital

Citrine Capital’s financial advisors work with individuals, high net worth individuals and small businesses by offering a broad range of services. The firm uses a comprehensive approach to financial planning combined with investment management. This approach focuses on four essential cornerstones for creating and conserving wealth: asset protection, cash flow optimization, asset growth and tax mitigation. Financial planning services include cash flow analysis, tax planning and reduction strategies. Advisors also work with clients to analyze financial projections for critical life transitions such as buying a home, planning for college costs and retirement. Financial advisors include company retirement plans, wealth transfer, philanthropy and charitable giving in the plan along with stock-related concerns like ISOs, RSAs, ESPP and others. Citrine Capital’s investment management program utilizes sustainable investment portfolios designed to create excellent after-tax returns based on decades of research.

Citrine Capital’s annual advisory fee is based on the client’s household net worth, starting at $7,500 for a net worth under $2 million. The cost is $20,000 for those with a $4 million to $8 million net worth and $40,000 for a $25 million net worth or higher. The full fee schedule is published on the company’s website.

Citrine Capital
Assets Managed $33.1 Million
Minimum Assets N/A
Number of Advisors 3
Fee Structure Fee-Only
Address 535 Mission St. 14th Floor

Caerus Investment Advisors

Caerus Investment Advisors caters to high net worth individuals, although not all clients fall in that category. In addition to comprehensive financial planning, the financial advisors at the firm specialize in many areas, including hedging and monetization strategies, trust and estates, VIP and executive protection services, stock options, RSU analysis and angel investing. Caerus Investment Advisors offers financial planning and investment advisory services. Clients receive individualized investment advice and can usually restrict investments to those that are environmentally conscientious.

Fees vary for advisory services at Caerus. Each client receives fee information based on the scope and complexity of financial services defined in the advisory agreement. The annual maximum fee is 1.5% of managed assets.

Caerus Investment Advisors
Assets Managed $151 Million
Minimum Assets $1 Million
Number of Advisors 2
Fee Structure Fee-Based
Address 221 Kearny 5th Floor

Simplify Financial Planning

Simplify Financial Planning offers complete financial planning services or targeted assistance with managing money. The financial advisor at Simplify assists clients with managing debt, choosing insurance, budgeting, college savings, paying off school loans, planning to buy a home and starting a family. Clients who need asset-related advice can receive guidance for general investments, stock options, retirement income, employee stock options and more.

For $460, Simplify Financial Planning provides a one-hour session to review your spending, savings, investments and goals. You’ll receive tips for working toward your financial objectives and a financial plan. Those with more complicated finances or who want to really delve into managing their money can pay $950 for three one-hour sessions with a financial advisor. This program provides detailed advice on cash flow management, building savings and investing, preparing for major expenses, insurance, retirement and estate planning, real estate and charitable giving. This program also provides a plan, and the advisor is available to consult as you implement the plan.

Simplify Financial Planning
Assets Managed N/A
Minimum Assets N/A
Number of Advisors 1
Fee Structure Fee-Only
Address 115 Sansome St. Suite #200

Personal Capital Advisors

Personal Capital offers free online tools and a mobile app clients can use to view up-to-date information on their financial accounts. Clients work with a financial advisor to discuss the financial plan established in the app and answer your questions. Clients can immediately see the future impact of financial choices made today by making changes to the plan in the app, such as lowering or extending their retirement age or changing contributions to a retirement account. Personal Capital Advisors is not a robo-advisor, like the digital advisors mentioned in “What Does a Financial Advisor Do?”, because clients discuss their finances in person with a financial advisor and use the app as a tool for understanding their financial plan. Those who only wish to take advantage of the free Personal Capital app can view all their financial accounts, create a budget, plan for retirement and monitor investments.

More than 2 million people use Personal Capital’s online and mobile money management technology, and over 20,000 individuals work with a financial advisor at the firm to receive wealth management services. Personal Capital works with clients across the country and charges a percentage of assets managed as compensation for services. Fees are competitive compared to wealth management programs in most areas across the U.S.

Personal Capital Advisors
Assets Managed $10 Billion
Minimum Assets $100,000
Number of Advisors 133
Fee Structure Fee-Based
Address 250 Montgomery St. Suite 700

Conclusion

When choosing a financial advisor in San Francisco, CA, it’s important to do your homework. We recommend you speak with at least three advisors to evaulate all options and know what to expect.

We researched the best advisors in San Francisco with options for all situations and compiled our list to include all the criteria crucial when making a decision. We included professionals that serve clients of all asset levels.

San Francisco Financial Advisors
Company Assets Managed Minimum Assets Fee Structure
Berkeley Investment Advisors $16.5 Million $200,000 Fee-Based
Marin Wealth Advisors LLC $136.3 Million N/A Fee-Only
Burgess Financial Planning $26.3 Million N/A Fee-Only
Citrine Capital $33.1 Million N/A Fee-Only
Caerus Investment Advisors $151 Million $1 Million Fee-Based
Simplify Financial Planning N/A N/A Fee-Only
Personal Capital Advisors $10 Billion $100,000 Fee-Based

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