3
395 Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
47
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
47
HighAverage account size
$0
About
395 Financial Planning provides fee-only financial planning services to individual clients (including high-net-worth individuals) and business owners, offering both ongoing comprehensive planning and project-based engagements that cover retirement, estate, insurance, cash flow, college, tax, and business planning. The firm delivers written or electronic financial plans, ongoing monitoring and periodic reviews, but does not manage client assets or accept custody of client funds.
When providing investment guidance, the firm emphasizes passive investment management and modern-portfolio-theory principles, typically recommending index mutual funds and exchange-traded funds tailored to a client’s goals, risk tolerance, and time horizon. Advisors gather detailed client information before making recommendations and will provide portfolio management advice, while leaving trade execution, custodial selection, and custody to the client.
Several operating features are uncommon among independent solo advisers: the firm does not offer discretionary portfolio management or charge percentage-of-assets-under-management fees, instead using fixed, hourly, or project-based fees and receiving no third-party compensation. The firm also discloses no related-party affiliations, does not participate in wrap programs, and makes a point of coordinating with clients’ attorneys and tax professionals as part of its planning process.
Client services
Financial planning
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Fixed fees generally ranging from $395 to $10,000, negotiable; $395 monthly ongoing financial planning fee
Starting at $395 per hour, negotiable based on complexity
Ongoing financial planning fee of $395 per month, paid monthly in advance
Fee-only: Fixed fees ranging from $395 to $10,000; Hourly fees starting at $395 per hour; Monthly ongoing planning fee of $395
Main office location
395 Financial Planning
Mammoth Lakes CA, United States
Number of offices
1
Most active in
395 Financial Planning has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")