At Advice-Only™, we specialize in providing fiduciary financial planning for individuals and families in California. Our Advice-Only™ Financial Advisors in California deliver objective, deconflicted advice — separating financial planning from sales, commissions, and asset-based fees — to help you make confident decisions about your financial future.
Whether you’re planning for retirement, managing investments, or aligning long-term goals with tax and estate strategies, our California fiduciary advisors provide transparent, methodical guidance. Each plan is built on the Advice-Only™ methodology — a four-step process designed to ensure every recommendation serves your best interests, not sales incentives.
Unlike traditional firms that rely on commissions or asset-based compensation (AUM) fees, our fiduciary planners are paid solely for advice. This structure removes conflicts of interest and ensures you receive honest, evidence-based recommendations. Using our four-step Advice-Only™ financial planning framework, we maintain the highest standards of independence and transparency.
Based in California and serving clients nationwide, Advice-Only™ offers more than 40 specialized planning services — from retirement income design and portfolio strategy to tax coordination and estate planning. Whether you live in California or work with us virtually, you’ll experience a fiduciary process that’s objective, verifiable, and doubt-free.
To learn more about our approach and how it differs from sales-based advice, visit Learn from Us or Contact Us.
To learn more about all the features and benefits, visit Learn from us and Plan with us.
Most everyone can benefit from being financially tactical. They should parse sensitive, subjective matters, gain exposure to key planning topics and the occasional changes to the law. Multiple income streams, insurance, Social Security, and taxes can be complex, and it’s likely everyone requires objective guidance.
We assess risk by combining multiple tests. Diversifying asset allocation and avoiding overlap. Optimizing a portfolio for growth while simultaneously minimizing risk. The goal is to align laws, preferences, and time horizons into one cohesive strategy.
Clients sometimes benefit from an advisor’s outsider view, acting as a neutral observer or mediator. Our advisors are trained to act as a qualified “go-between” and can help confirm a strategy, inspire a new one, or settle disputes among family.
