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Best Financial Advisors in El Cajon

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Blue Summit Wealth Management logo
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Blue Summit Wealth Management

9001 Grossmont Blvd. #718, La Mesa, CA 91941
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  • Wealth Management

Business Description

With 25 years in the industry, Blue Summit Wealth Management offers a wide range of services to clients in El Cajon, including comprehensive financial, retirement, tax, and estate planning, as well as cash flow analysis and socially responsible investment. The firm works with families, inheritors, business proprietors, and retirees. Partner and wealth advisor Judith L. Seid founded the firm. To give back to the community, she launched a financial literacy certificate course for victims of domestic violence in San Diego.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Brian Grigg Wealth Management logo
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Brian Grigg Wealth Management

1010 Pioneer Way, El Cajon, CA 92020
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  • Insurance Products
  • Financial Planning
  • Investment Advisor

Business Description

Brian Grigg Wealth Management is an advisor specializing in financial strategies, offering his services to the El Cajon metro. He provides a wide range of financial management services, covering risk management planning; special situations planning, such as for weddings and disability; long-term care and life insurance; and investment bonds, government securities, and Roth IRA. Grigg has been a CPA since 2008, assisting individuals, trusts, and corporations in protecting their assets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (36)
Google
4.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Bull Oak Capital logo
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Bull Oak Capital

4747 Executive Drive, Suite 1010, San Diego, CA 92121
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  • Finance Planning

Business Description

Bull Oak Capital is a fiduciary financial advisory firm serving clients in El Cajon. It provides financial planning assistance to individuals who are saving for retirement or building their real estate portfolio. Employing a cash flow-based approach, Its advisors determine how a person earns, spends, and invests money to create a plan to achieve a desirable future financial lifestyle. Bull Oak Capital's founder and CEO, Ryan A. Hughes, received the 2021 40 Under 40 recognition from Investment News.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Davis & Seiley Wealth Management logo
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Davis & Seiley Wealth Management

5400 Connecticut Avenue, Suite 100, La Mesa, CA 91942
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  • Estate Planning
  • Tax Planning
  • Retirement Planning
  • Finance Planning

Business Description

Davis & Seiley Wealth Management serves El Cajon and the surrounding metros. Founded in 1994, the firm provides financial advice tailored to its clients' needs and circumstances. It offers financial planning services such as investment management, and estate, tax, education, and retirement planning. Its professionals help individuals achieve their short- or long-term goals by staying involved in the financial aspect of their lives. Its team is composed of a Certified Financial Planner, a Chartered Retirement Plans Specialist, and a Financial Paraplanner Qualified Professional.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Define Financial logo
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Define Financial

12526 High Bluff Dr Suite 238, San Diego, CA 92130
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  • Retirement Planning
  • Investment Management
  • Financial Planning

Business Description

Define Financial is a firm that aims to help clients reduce taxes, invest smarter, and retire on their terms. Serving El Cajon and the nearby communities, the business is composed of Certified Financial Planners who assist clients with investment management, Social Security timing, retirement planning, and insurance optimization. It also aids clients with retirement income planning and tax planning. Founder Taylor Schulte, CFP, was recently named Top 3 financial advisor in Investopedia’s 100 Top Financial Advisors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
Driven Wealth Management logo
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Driven Wealth Management

2445 Poinsettia Dr, San Diego, CA 92106
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  • Certified Financial Planner (CFP)
  • Financial Planning

Business Description

Driven Wealth Management serves clients in and around the El Cajon area. This independent financial advisory firm offers financial planning and investment management services, assisting clients in navigating their financial goals and priorities. It provides clients with personalized financial plans and financial scenario modeling to help them in making sound financial decisions. Rick Vazza, company founder and financial advisor, established the company in 2018 with a goal to partner with entrepreneurs and professionals. Vazza holds extensive experience in assisting ultra-high-net-worth clients and business owners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Equitable Advisors logo
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Equitable Advisors

7777 Alvarado Road, Suite 107, La Mesa, CA 91942
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  • Certified Financial Planner (CFP)
  • Financial Planning

Business Description

Equitable Advisors is a company that serves clients in the El Cajon metro and the surrounding areas. Its Certified Financial Planner, David L. Moran, specializes in the areas of investments, insurance, and retirement and estate planning. He also collaborates with the clients' attorneys and accountants and provides objective financial planning advice in order to grow their wealth and build on their legacy. In addition, Equitable Advisors offers a diverse and flexible curriculum for their workers' continuing development and advancement.

LPL Financial logo
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LPL Financial

7863 La Mesa Blvd Ste. 200, La Mesa, CA 91942
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  • Chartered Financial Analyst (CFA)

Business Description

LPL Financial is a La Mesa-based company that caters to El Cajon clients. It offers various financial planning solutions, including estate, retirement, and education planning. The company also provides long-term care and life insurance policies. It has experience educating clients on different types of investments, such as bonds, stocks, treasury notes, and government securities. James Flickinger, the company's investment manager, has over three decades of experience in the financial services industry. Before entering the field, he was an attorney for over 10 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
LPL Financial logo
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LPL Financial

8313 La Mesa Boulevard, La Mesa, CA 91942
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  • Finance Planning

Business Description

Founded in 1989, LPL Financial is an advisory and planning company serving clients in and around El Cajon. Its advisors help clients navigate complex financial matters in making plans for their lifestyles, retirement, education, taxes, estates, and investments. In addition, they help families and individuals plan their insurance policies, such as disability income, long-term care, and life insurance. LPL Financial has over 18,000 financial advisors, 800 institutional investment programs, and 450 independent RIA firms nationwide.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Mike Rundlett Financial Services logo
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Mike Rundlett Financial Services

405 South Magnolia Avenue, El Cajon, CA 92020
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  • Estate Planning
  • Retirement Planning
  • Financial Planning

Business Description

Mike Rundlett Financial Services is a firm serving the El Cajon area. Since 1991, its financial advisors have been managing the wealth and assets of its clients by developing plans tailored to their goals. Using retirement techniques, tax and investment management, insurance and annuity products, and estate conservation, the business also assists customers in putting together a good financial plan. Mike Rundlett, CFP, AIF, is the company's sole owner and a registered representative of LPL Financial.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)
Next Gen Financial Planning logo
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Next Gen Financial Planning

2020 Camino Del Rio N Suite 215, San Diego, CA 92108
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  • Financial Planning

Business Description

Next Gen Financial Planning is a firm serving clients in El Cajon and the surrounding areas. It assists high-earning professionals in making financial decisions and helps them plan for the future. Its advisors handle different financial areas, such as investments, student loan repayments, and insurance coverages. Additionally, they offer advice on complex estate planning and tax planning. Next Gen Financial Planning is headed by Steven Fox, who is a member of the XY Planning Network and the National Association of Personal Financial Advisors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (25)
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Platt Wealth Management logo
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Platt Wealth Management

3838 Camino del Rio North, Ste 365, San Diego, CA 92108
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  • Retirement Planning
  • Investment Management
  • Financial Planning
  • Wealth Management

Business Description

Platt Wealth Management is a company that caters to residents in El Cajon. It helps individuals reach financial goals through various solutions, such as retirement, education, and Medicare planning. The company also guides clients on matters related to tax strategies. Its other services include investment management. The company's chief investment officer and founder, Jeff Platt, holds a master of laws degree in Taxation. He was the recipient of the Volunteer of the Year Award in 2016 from the Lawrence Family Jewish Community Center.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Reilly Financial Advisors logo
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Reilly Financial Advisors

7777 Alvarado Rd., Ste. 116, La Mesa, CA 91942
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  • Certified Financial Planner (CFP)

Business Description

Reilly Financial Advisors is a firm that serves the residents of El Cajon and the neighboring communities. It offers a full range of wealth management services, including estate planning, financial planning, tax planning and preparation, and insurance, social security, and Medicare analysis. It also helps clients in investment management, family wealth transitions, and education planning. Don Reilly, one of the company's co-founders, carries more than 40 years of experience in the industry. Reilly Financial Advisors operates in a fiduciary capacity.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
San Diego Tax & Wealth Management Inc. logo
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San Diego Tax & Wealth Management Inc.

7777 Alvarado Rd. Suite 300, La Mesa, CA 91942
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  • Certified Financial Planner (CFP)

Business Description

San Diego Tax & Wealth Management Inc. serves individuals in El Cajon and the neighboring communities. The firm assists clients in investment and tax coordination and retirement income planning. It provides solutions to clients pursuing financial independence, helping them understand programs suitable to their wealth. It also develops strategies apposite to clients' financial goals. Brian Dawidowicz, CFP, EA, is the owner of the firm. He is authorized to prepare clients' taxes and represent them in matters relating to the IRS.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Helpfulness
Detail
Stone Steps logo
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Stone Steps

533 Second Street Suite 207, Encinitas, CA 92024
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  • Financial Planning

Business Description

Stone Steps is a financial planning and investment management company for clients in El Cajon and the surrounding metro. The company, which started in 2015, caters to individuals and families with a wide range of net worth, income, or amount of assets to be invested. Scott Frank, the founder, is a co-host of Real Personal Finance, a weekly podcast in which financial planners answer personal finance questions. He is also on the Leadership Development Committee for the National Association of Personal Financial Advisors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Summit Financial logo
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Summit Financial

9340 Fuerte Dr Ste 207, La Mesa, CA 91941
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  • Certified Financial Planner (CFP)
  • Financial Planning

Business Description

Summit Financial is a firm that has been serving El Cajon and the surrounding communities since 1992. It assists individuals with their financial planning needs involving annuities and insurance plans. Its website contains calculators that clients can utilize for different purposes, such as cash management, estate planning, and retirement and inflation. One of the firm's financial professionals, Erin Klisser, develops finance and tax planning strategies based on the goals of clients and offers notary services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.6 / 5 (17)
Yelp
4.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Wealth Alliance logo
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Wealth Alliance

12526 High Bluff Dr, San Diego, CA 92130
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  • Certified Financial Planner (CFP)
  • Financial Planning
  • Wealth Management

Business Description

Wealth Alliance offers comprehensive financial planning to the locals of El Cajon. The firm helps its clients identify and organize all facets of their financial life, including the opportunity to define their goals. This aims to guide its clients in making critical decisions as to when to retire, whether to sell a business or not, how to manage their cash flow, and how to best protect their families. Wealth Alliance was founded in 1999 by Kevin Barrett, a Certified Financial Planner.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

There are many titles for financial professionals, so it's challenging to track what each one means. A financial advisor is probably the term you've heard most often. Financial advisor is a broad term for a professional who helps individuals or companies manage their finances, including investment choices. There are over 100 certifications that financial advisors can obtain.

  • Financial planners, wealth managers, and investment advisors are all financial advisors with different focus areas.
  • A financial planner helps an individual or a company make a plan to achieve long-term financial goals.
  • A wealth manager helps individuals maintain their wealth through various disciplines and services, such as taxes, estate planning, and investment advice.
  • An investment advisor offers investment advice and recommendations to individuals or organizations.
There’s a misconception that you have to be extremely wealthy to use a financial advisor. In reality, they can be beneficial for people from any income level. Keep reading to find answers to the most commonly asked questions about financial advisors, so you know which type can fit your specific needs.

Are financial advisors worth it?

Whether or not a financial advisor is worth it depends on your personal situation. If your finances are fairly straightforward, then you may be better off handling it on your own. But if you have substantial assets or a complex investment portfolio, then hiring someone to handle it for you can be well worth the cost.

What does a financial advisor do?

Financial advisors can have many types of specialties. Generally, a financial advisor advises on or helps to execute a financial plan. Some examples include assisting people with getting out of debt, building out an investment portfolio, and handling taxes.

How much money do I need to work with a financial advisor?

There’s no specific income level you need in order to work with a financial advisor, but there may be a minimum investment amount for certain types of services. Some financial advisors won’t manage your money unless you have $100,000 or more to invest, but this isn’t the case with financial coaches or robo-advisors.

What does a financial coach do?

Financial coaches focus on improving your financial literacy and money management skills. For example, they can help you figure out how to pay down your student loans or decide how much money to put away for retirement. They usually charge by the hour and don’t offer asset management services or investment advice.

When should I use a financial advisor vs. doing it myself?

Smart money management can give you freedom and comfort. Being responsible with your money makes it possible to meet goals and pay for major expenses. A financial advisor is trained and can offer you expertise that would otherwise take years to learn. They know how to save you money and make it go further.

How do I know if my financial advisor is trustworthy?

Because financial advisors aren’t licensed or regulated, it’s up to the client to make that determination for themselves. However, if your advisor is a fiduciary, that means they’re legally bound to act in your best interest. Some types of advisors, including Certified Financial Professionals (CFPs), are held to fiduciary standards.

What\'s the difference between a financial advisor and a financial planner?

The term financial advisor is a broad phrase that encapsulates many specialties, including financial planner. It's similar to how doctor applies to different physicians, while a cardiologist is a specialty doctor. A financial planner helps their client plan to achieve long-term financial goals, such as saving for a house or retirement.

Are financial advisor fees tax deductible?

Until 2018, financial advisor fees were tax deductible as a miscellaneous expense. However, the Tax Cuts and Jobs Act elimited that deduction until at least 2025.

What is a financial consultant?

A financial consultant and a financial advisor are essentially the same. In recent years, financial consultant has become a less popular term, with financial advisor being much more common. Sometimes, the financial professional may opt for the term consultant when offering services to a business rather than an individual.

What is a robo-advisor?

A robo-advisor is essentially an algorithm that manages your investment portfolio for you. Because their services are automated, you’ll pay less than you would for a human advisor — often between 0.25% and 0.50%. They don’t require large initial investments either, making them a popular choice for entry-level investors. However, you won’t get the same level of advice that you would get from a personal financial advisor.

What makes someone a fiduciary?

Fiduciary is a legal term for a person who has a legal or ethical responsibility to act in your best interests. For example, a trustee and a beneficiary. A financial advisor may have a fiduciary obligation to make financial choices that are best for you, even if it means they earn less in commissions or fees.

How often should I meet with my financial advisor?

After your initial meeting, you may only need to check in with your financial advisor on a quarterly or annual basis. Ask them in advance how often you can expect to hear from them, and whether they offer in-person, phone, or virtual meetings.

Should your financial advisor be a fiduciary?

It’s important to understand that only some — not all — financial advisors have a fiduciary obligation to their clients. Always ask your financial advisor if they’re bound by fiduciary duty. If not, it’s possible that they’ll push products or services that earn them the highest commission, not necessarily what’s best for you. Opt for a financial advisor bound by fiduciary duty whenever possible.

Can my financial planner help with taxes?

Financial advisors aren’t necessarily accountants or tax preparers, so don’t expect them to prepare your taxes for you. However, they may be able to provide tax-related advice to help you optimize your returns and deductions. If you need an advisor who can file your taxes, look for one who is also a CPA (Certified Public Accountant).

Do I need a financial advisor?

Ask yourself if a financial advisor can fill a need or solve a problem you can’t easily handle on your own. They can be helpful in a wide variety of ways, such as building budgets or financial plans, finding ways to save money on taxes, creating an investment portfolio, or offering investment advice.

How do financial advisors get paid?

Clients pay to work with a financial advisor whether it’s through fees, commissions, or salaries. If they’re paid by client fees or commissions, their salary is tied to how much business they bring in. The harder they work, the more they make. In comparison, a salaried employee is guaranteed their wage no matter how many clients they have.

What experience should I look for in a financial advisor?

 If you have specific goals or a unique financial situation, look for a financial advisor with expertise in that area. For example, some financial advisors specialize in working with millennials or focus on socially responsible investing.

How much does a financial advisor cost?

A financial advisor’s costs depend on their fee structure. Some advisors charge a fee — either hourly or a percentage of the client assets under management. Another common option is to charge a commission on the products sold or investments made.

Should I hire a financial advisor before buying a house?

While not always necessary, a financial advisor could help you decide how large of a mortgage to apply for, how much money to put down, and how to balance the purchase with other savings and investment goals.

How many financial advisors are there in the U.S.?

According to the U.S. Bureau of Labor Statistics, it’s estimated that there are 218,050 financial advisors. California is the state with the highest employment of financial advisors across the nation.

Do banks offer financial advisors?

Yes, many banks have financial advisors on staff. Your bank may also offer incentives to work with their financial advisors, such as lower fees or free accounts. However, it's important to note that many of the bank's financial advisors don't have a fiduciary obligation and might prioritize the bank's products above all else. There is a cost when working with your bank's financial advisor.

Should I hire a wealth manager?

A wealth manager can help offer complex financial planning services, including tax guidance, estate planning, and legal assistance. While you don't have to be a high-income earner to benefit from a financial advisor, a wealth manager is typically for those that have a high net worth. However, many people build wealth and need a wealth manager later on in life.

Is wealth management worth it?

Wealth management is typically worth it for those who need help with multiple endeavors or comprehensive financial situations, such as charitable contributions or investment portfolio management, or want to protect their assets. A wealth manager can also offer you guidance if you’ve been neglecting your finances or making poor judgements.

How can you tell if a financial advisor is bad?

Your relationship with your financial advisor is a very personal one, as you’re trusting them with your wealth and future. Some general signs that your financial advisor is bad include:

  • They can’t answer your financial questions
  • You have worked with them for a while but haven’t seen a financial improvement
  • They don’t provide you with progress reports
  • They don’t check in with you

What do you need to be a financial advisor?

As mentioned, there are over 100 types of certifications for financial advisors. The training or experience you need will depend on which specialty you want to pursue. Generally, financial advisors need to have:

  • A Bachelor’s degree
  • A General Securities Representative license (Series 7 license)
  • A Certified Financial Planner (CFP) certification isn’t mandatory but is often preferred

Where do financial advisors work?

Where a financial advisor works will depend on what type of financial advisor they are. Financial advisors can work at a variety of places, including:

  • Securities and commodity brokers
  • A bank
  • A credit union
  • Independently
  • Insurance companies
  • Financial investment firms
  • Small investment advisory firms

How much do financial advisors make?

In 2019, the national average salary for a financial advisor was $87,850. However, it’s important to note the average salary varies from state to state and the different focus areas — an investment advisor may make a lot more than a financial planner. Lastly, salary can depend on how the individual is getting paid. Financial advisors can be paid by client fees, commissions, or salaries.

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