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Best Financial Advisors in Vista

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SmartAdvisor by SmartAsset logo
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SmartAdvisor by SmartAsset

Vista, 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
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Price: Free consultation

Advanced Financial Solutions logo
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Advanced Financial Solutions

122 Civic Center Dr. Suite 103, Vista, CA 92084
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  • Certified Financial Planner (CFP)
  • Financial Planning
  • Wealth Management

Business Description

Advanced Financial Solutions offers financial planning and fiduciary duty to the locals of Vista. The firm helps its clients execute sound financial programs by offering the following services: investment and tax management, retirement strategies, insurance, and annuity products, estate conservation, and cash flow analysis. It helps families and business owners of all income levels identify their needs and develop solutions that lead to financial security. John J. Aguilera, a Certified Financial Planner, has been in the industry since 1990.

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

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
Birchwood Capital logo
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Birchwood Capital

2424 Verano Way, Vista, CA 92081
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  • Tax Planning
  • Certified Financial Planner (CFP)
  • Retirement Planning

Business Description

Birchwood Capital is a financial advisory company that serves clients throughout Vista and the neighboring areas. It offers retirement planning, investment management, and tax planning services, with a primary focus on serving pre-retirees and current retirees. It assists clients in understanding the various facets of their finances by providing them with a one-page summary that is easy to understand and without confusing industry jargon. Founder and president Stephen Nelson is a CFA® and a current CFA® Level III candidate.

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 (11)

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
Define Financial logo
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Define Financial

12526 High Bluff Dr, Suite 238, San Diego, CA 92130
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  • Tax Planning
  • Financial Planning

Business Description

Established in 2014, Define Financial is a company that serves clients in Vista. It handles retirement planning, which includes insurance optimization, investment management, retirement income solutions, social security timing, and tax planning. It utilizes a financial planning software to create their plans and monitor their performance. Prior to founding the firm, Certified Financial Planner Taylor Schulte has experience dealing with wealth management. He regularly contributes to Kiplinger and hosts the podcast channel called “Stay Wealthy.”

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 (10)

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
GFH Financial logo
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GFH Financial

2131 Palomar Airport Road Suite 214, Carlsbad, CA 92011
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  • Estate Planning
  • Tax Planning
  • Certified Financial Planner (CFP)
  • Retirement Planning
  • Investment Management
  • Financial Planning
  • Wealth Management

Business Description

GFH Financial helps individuals and businesses in Vista in different facets of financial management. The independent agency assists clients with wealth accumulation strategies, estate planning, investment placement and monitoring, insurance applications, retirement planning, and cash flow analysis. Owner Gregg Himfar has over 20 years of experience in the finance industry. He worked in an investment research department, doing due diligence on annuity products and defining banks’ asset allocation strategies, prior to founding the boutique firm.

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 (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
Intelligence Driven Advisers logo
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Intelligence Driven Advisers

6128 Innovation Way, Carlsbad, CA 92009
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  • Financial Planning
  • Wealth Management

Business Description

Intelligence Driven Advisers helps clients in Vista and neighboring areas build and manage their wealth through a wide range of value-based wealth management services. Its wealth advisors guide clients in matters involving investment management, wealth management, financial planning, and 401(k) and business retirement plans. They serve private clients, native American corporations, charitable organizations, and other institutions. Managing director David Brasfield holds Chartered Retirement Plan Specialist designation and has completed the Accredited Investment Fiduciary and Certified 401(k) Professional programs.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

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.
3.0
Responsiveness
Friendliness
––
Helpfulness
Detail
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Pacific Crest logo
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Pacific Crest

2131 Palomar Airport Rd. Suite 204, Vista, CA 92011
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  • Finance Planning

Business Description

Pacific Crest is a wealth management firm serving the residents of Vista and the surrounding areas. Established in 2006, the firm offers customized financial programs to grow, conserve, and protect the clients’ wealth. It designs and implements financial plans for divorce, profit sharing, college, retirement, and taxation. The firm also provides investment portfolio management and assists with life and long-term care insurance. Founder Robert T. Chapman holds the designation of Accredited Investment Fiduciary and is insurance licensed in California.

Pacific Tax & Financial Group logo
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Pacific Tax & Financial Group

955 Boardwalk Ste 203, San Marcos, CA 92078
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  • Tax Planning

Business Description

Pacific Tax & Financial Group provides services to individuals and small businesses in Vista and the surrounding areas. It offers financial advising services to help clients handle their finances and allow them to grow and prosper. It covers the preparation of financial statements, submission of sales and tax returns, and auditing of tax records. It also assists clients with the automatic filing of payroll tax liabilities, electronic time clocks, and out-of-state employees. Its financial advisor, David Simpson, worked as an accountant at a Fortune 500 company.

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.
4.8
Google
4.9 / 5 (87)
Yelp
4.5 / 5 (54)
Facebook
5.0 / 5 (8)

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
––
Savvy Women Wealth Management logo
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Savvy Women Wealth Management

2131 Palomar Airport Rd. Suite 330, Carlsbad, CA 92011
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  • Financial Planning

Business Description

Savvy Women Wealth Management offers financial planning and investment advice in Vista. It is a firm that dedicates its services to women's financial education. It addresses their concerns about having enough assets and making their wealth last. Its advisors educate them on how to prioritize their budget to suit their unique lifestyles. They also provide information on pursuing investments in stocks, bonds, and mutual funds. Managing partner Catherine Magaña holds a CFP certification. She received the Carlsbad Chamber Small Business Awards for Women-Owned Business in 2016.

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
Seaside Wealth Management logo
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Seaside Wealth Management

6154 Innovation Way, Carlsbad, CA 92009
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  • Financial Planning

Business Description

Seaside Wealth Management is a team of financial advisors that helps families in Vista achieve financial peace. Through a team-based approach, these advisors guide professionals in planning their retirement and business owners in managing their finances. They also assist women who are undergoing life changes, such as divorce or the loss of a loved one, in dealing with their finances. The CEO, Brad Lineberger, was previously a board member of the San Diego Financial Planning Association.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Stone Steps Financial logo
Visit WebsiteWebsite

Stone Steps Financial

533 Second Street Suite 207, Encinitas, CA 92024
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  • Certified Financial Planner (CFP)
  • Financial Planning
  • Chartered Financial Analyst (CFA)

Business Description

Stone Steps Financial is a life planning and investment management firm serving Vista. Its advisors assess clients’ financial situations and guide them towards developing a financial plan specific to their individual needs through its EVOKE (Exploration, Vision, Obstacles, Knowledge) process. They regularly hold meetings to monitor and discuss their clients’ progress. Its founder, Scott R. Frank, is a financial planner in the firm and holds a Bachelor’s degree in business administration.

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 (28)
Yelp
4.5 / 5 (3)
Facebook
5.0 / 5 (1)
Terry Wealth Management logo
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Terry Wealth Management

2710 Loker Avenue West, #220, Carlsbad, CA 92010
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  • Certified Financial Planner (CFP)

Business Description

Terry Wealth Management serves clients throughout Vista. It offers a wide range of services, including financial planning, retirement planning, and asset management. It assists clients in developing their short-term, medium-term, and long-term financial plans; managing their current taxes; and preparing for their retirement. In addition, it guides clients in choosing insurance plans and creating estate plans. Shane Terry, president and founder, has been in the industry since 1996. He holds the FINRA Series 4, 7, 8, 24, 63, and 66 registrations with LPL Financial. Terry Wealth Management is headed by Shane Terry, who has 25 years of experience. Shane Terry holds a ChFC® designation. Terry Wealth Management use the skills that ChFC® credential holders have an in-depth knowledge in daily to assist their clients in meeting their financial goals.

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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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