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Best Financial Advisors in San Ramon

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SmartAdvisor by SmartAsset logo
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SmartAdvisor by SmartAsset

San Ramon, CA
  • Estate Planning
  • Financial Planning
  • Investment Management
  • Retirement Planning

Business Description

SmartAsset's free, five-minute tool makes it easy to find qualified financial advisors in your area. The exclusive tool uses a quick survey to help SmartAsset's exclusive algorithm match you with up to three advisors based on your specific financial needs. Each advisor is a fiduciary, legally bound to work in your best interest, and rigorously vetted by SmartAsset. You can speak with each for free, sometimes within a matter of minutes, and choose whom you want to work with. Hundreds of thousands of smart investors and retirees have already used SmartAsset's simple, no-cost service to find the right financial advisors for them.

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.
4.0
Google
3.2 / 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
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Price: Free consultation

Adap Tax Financial logo
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Adap Tax Financial

4725 First St Suite 275, Pleasanton, CA 94566
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  • Tax Planning

Business Description

Adap Tax Financial is a firm that has been serving San Ramon and surrounding communities since 2004. It assists individuals and families in financial planning which considers children's education, estate planning, business ownership, retirement planning, and real property investing. The process starts with an examination and assessment of the client's financial condition and ends with a live document that can be facilitated as needed. One of the firm's principal advisers, Monica Fey, is a CPA who has an extensive background in tax preparation and planning.

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
4.5 / 5 (19)
Google
4.3 / 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
Responsiveness
Friendliness
Helpfulness
Detail
Babylon Wealth Management logo
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Babylon Wealth Management

100 Pine Street, #1250, San Francisco, CA 94111
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  • Chartered Financial Analyst (CFA)

Business Description

Serving San Ramon, Babylon Wealth Management is a company that offers financial planning services. It helps young families, physicians, tech professionals, federal employees, and business owners reach their financial goals. Its services include financial planning, investment management, estate planning, and tax advisory. Stoyan Panayotov, the firm's founder, is a fiduciary financial advisor who grew up in a small town in Bulgaria. He previously worked for Deutsche Bank and Wells Fargo, specializing in product risk management and option strategies.

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 (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
Bedell Frazier Investment Counselling, LLC logo
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Bedell Frazier Investment Counselling, LLC

Two Walnut Creek Center, 200 Pringle Avenue, Suite 555, Walnut Creek, CA 94596
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  • Financial Planning

Business Description

Bedell Frazier Investment Counselling, LLC, provides personalized investment counseling and financial planning to San Ramon clients. It aims to integrate creative thinking and intellectual curiosity into its financial solutions. Its independent SEC-registered investment advisors invest in individual stocks and bonds to maintain a balance between protecting assets and taking risks. The company has been featured in print and online publications such as Bloomberg, Newsweek, The Wall Street Journal, and Reuters. President and CEO Mike Frazier is a member of the Society of California Pioneers.

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.
4.0
Google
4.0 / 5 (4)

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
Best Financial Life logo
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Best Financial Life

9000 Crow Canyon Road Suite # S 177, Danville, CA 94506
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  • Financial Planning

Business Description

Best Financial Life serves clients in San Ramon. It helps clients reach their financial goals by recommending investment and retirement planning strategies. The company has developed the Best Life Breakthrough program, assisting clients in understanding their financial situations, goals, and values. Founder Joe Morgan is a Certified Financial Planner who has more than 25 years of experience managing finances for organizations, including the Silicon Valley Bank. He is a member of 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
Yelp
5.0 / 5 (9)
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
Bordeaux Wealth Advisors logo
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Bordeaux Wealth Advisors

1550 El Camino Real Suite 100, Menlo Park, CA 94025
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  • Certified Financial Planner (CFP)

Business Description

Bordeaux Wealth Advisors is an independent investment advisory and wealth management firm that serves San Ramon and its neighboring areas. Its services include investment advisory, comprehensive financial planning, education planning, and income tax planning. It also assists clients in preparing for the future through its retirement, wealth transfer, and insurance planning solutions. Each client is provided a personalized financial roadmap to help them attain their financial goals. CEO and founder Thomas C. Myers, CFA, CPA, CFP, has over 30 years of experience in the wealth advisory industry.

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.
4.4
Google
4.4 / 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
Citrine Capital logo
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Citrine Capital

535 Mission Street, 14th Floor, San Francisco, CA 94105
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  • Financial Planning
  • Wealth Management

Business Description

Citrine Capital is a management firm serving tech professionals, entrepreneurs, and business owners in San Ramon. The firm helps its clients with different aspects of business involving financial planning, tax preparation, financial coaching, and investment management. It also assists in providing clients with a comprehensive financial action plan that covers risk analysis, college funding, cash-flow analysis, and a review of a company's benefits. It has been featured on CNN, The New York Times, and ABC 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.
4.9
Yelp
5.0 / 5 (33)
Google
4.6 / 5 (9)
Index Gurus, Inc. logo
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Index Gurus, Inc.

1383 South Main Street, Walnut Creek, CA 94596
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  • Certified Financial Planner (CFP)
  • Finance Planning
  • Wealth Management
  • Retirement Planning
  • Investing
  • Certified Financial Planner (CFP)
  • Fiduciary
  • Tax Mitigation

Business Description

Index Gurus, Inc., is an investment company that has been providing San Ramon residents with services through a fiduciary structure. It advises clients regarding financial decisions, offers retirement and portfolio management, and provides access to Schwab and TD Ameritrade Institutional. Company founder Faruk Jaffer is a certified financial planner who uses a holistic approach that includes tax mitigation, retirement planning, investing, and estate planning with an aim to provide financial peace of mind.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insight Wealth Strategies, LLC logo
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Insight Wealth Strategies, LLC

2603 Camino Ramon Suite 350, San Ramon, CA 94583
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  • Retirement Planning
  • Finance Planning

Business Description

Insight Wealth Strategies, LLC, is a financial planning firm serving San Ramon. Its professional team helps individuals, couples, and families in planning their wealth and estates, reducing taxes, and preparing for long-term care and retirement. The team also offers investment management services that include recommending investment strategies and appropriate portfolios. Insight Wealth Strategies was established in 2002. It gives back to the community by supporting the Family Giving Tree and Meals on Wheels of Contra Costa.

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 (17)
Google
5.0 / 5 (5)

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
––
Paragon Financial Planning logo
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Paragon Financial Planning

550 Park Street Suite 105, Alameda, CA 94501
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  • Certified Financial Planner (CFP)
  • Financial Planning
  • Wealth Management

Business Description

Paragon Financial Planning offers its clients in the San Ramon metro a holistic approach to the wealth management experience. With a mission to transform clients' financial vision into reality, it provides financial life planning, thoughtful solutions to complex financial issues, and financial education and support. It specializes in creating in-depth investment portfolios, retirement planning and distribution strategies for retirement, and risk management as it relates to life insurance and long-term care needs. The firm is independent and committed to the fiduciary standard, which is followed by its CFP professionals.

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
Parsons Wealth Management logo
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Parsons Wealth Management

721 Purissima Street Suite C, Half Moon Bay, CA 94019
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  • Estate Planning
  • Tax Planning
  • Finance Planning
  • Financial Planning

Business Description

Parsons Wealth Management serves clients in and around the San Ramon area. It offers financial planning, investment management, retirement planning, and tax and estate planning services. Its team of financial advisors creates a customized financial plan based on each client's needs and current circumstances. It also assists clients in cash flow-based planning and risk management planning and provides Social Security analyses. The agency has been featured on Forbes, Barron's Hall of Fame, and InvestmentNews' Icons & Innovators list.

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
Smart Path logo
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Smart Path

4695 Chabot Dr. Suite 200, Pleasanton, CA 94588
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  • CFA Charterholder

Business Description

Established in 2015, Smart Path is an advisory firm serving San Ramon. It focuses on financial planning and investment management. It assesses clients’ financial picture and uses the data in developing plans to help them address their needs or achieve financial goals, such as maximizing their wealth, preparing for retirement, or securing their children’s future. Its team educates them on investment options and potential risks, as well as insurance and tax strategies. Smart Path has been featured in Yahoo! Finance. Its founder, Palbir Nijjar, has almost 20 years of experience.

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 (7)
Google
5.0 / 5 (2)
Facebook
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
Summit Financial Group, LLC logo
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Summit Financial Group, LLC

2000 Crow Canyon Place, Suite 450, San Ramon, CA 94583
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  • Wealth Management
  • Investment Advisor

Business Description

Summit Financial Group, LLC is a comprehensive planning and wealth management company that serves clients in San Ramon and the surrounding areas. It offers financial advising services to help clients define their goals according to their ambitions. It assists clients with investment management through asset allocation, tax management, diversification, and behavioral coaching. It also covers other areas of wealth management, such as legacy planning, risk management, and financial planning in divorce. Its founding partner, Steven M. Wilcox, speaks throughout the community about different financial topics.

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.
4.4
Google
4.3 / 5 (6)
Yelp
4.5 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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Summit Wealth & Retirement Partners logo
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Summit Wealth & Retirement Partners

55 Oak Ct – Suite 210, Danville, CA 94526
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  • Certified Financial Planner (CFP)

Business Description

Summit Wealth & Retirement Partners is a financial advisory firm that caters to clients in San Ramon. It provides financial planning services such as pre-retirement and post-retirement planning, investment guidance and portfolio management, multi-generational wealth transfers and estate planning, integrated tax strategy, and charitable giving guidance. The firm has been providing financial advice for more than 30 years. It has been helping clients create and execute custom wealth management plans which encompass their whole financial ecosystem.

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.
4.7
Facebook
4.6 / 5 (11)
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
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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