Amaral Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$8,430,000
Clients
23
4% 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
23
TypicalAverage account size
$366,522
About
Amaral Financial Planning serves individual clients, families, and trusts with fee-only financial planning and discretionary portfolio management, and also offers tax preparation and representation as well as notarization services. The firm provides both ongoing annual planning packages and one-time financial plans tailored to client needs.
The adviser emphasizes long-term, passive investing informed by Modern Portfolio Theory, with client-specific diversification, asset allocation, and periodic rebalancing. Portfolios are implemented on custodial platforms (Betterment and Charles Schwab), and the firm assists clients in selecting allocation models, completing platform profiles, and coordinating ongoing reviews.
Distinctive features include that the firm’s lead advisor holds CFP® and Enrolled Agent credentials and provides in-house tax and IRS representation and notary services, an integrated service mix that is uncommon among solo independent advisers. The firm manages a relatively small roster of clients with about $8.4 million in discretionary assets and uses Betterment’s institutional platform, a relationship the brochure discloses can provide practice support services that benefit the adviser.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Debt management
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Equity Recipients (RS/RSU, SOP, ESPP)
General tax planning
Fee options
Tax Preparation and Representation Services starting at $500; Notarization Services $15 per signature plus travel fee
0.50% annually (Investment Advisory Services)
$500 per hour (Financial Planning Hourly Fee and IRS letters/notices assistance)
Fee-only: Financial Planning Services annual fees: Wealth Builder Package $9,000+; One-Time Financial Plan $5,000+
Main office location
Amaral Financial Planning
San Jose CA, United States
Number of offices
1
Most active in
Amaral Financial Planning has reported serving >5 clients in these states in the last 12 months.
California · Texas
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 active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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