Buff Your Finances
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,856,400
Clients
41
5% 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
41
HighAverage account size
$240,400
About
Buff Your Finances, LLC provides investment management and a spectrum of financial planning services to individuals, high‑net‑worth clients, and small businesses, managing roughly $9.86 million across about 41 client relationships as a single‑advisor independent firm. Offerings include tailored discretionary portfolio management, comprehensive and project‑based planning, and coordination with third‑party managers such as XYPN Invest.
The firm’s investment approach centers on fundamental analysis, diversification, and a long‑term buy‑and‑hold framework with periodic rebalancing, and it may employ a core‑and‑satellite mix of passive and active strategies. When clients engage outside managers or sub‑advisers, the adviser assists with manager selection, investor profiling, ongoing interaction, and periodic reviews of holdings and strategy.
Buff Your Finances structures planning in multiple formats (one‑time, project‑based, starter and ongoing comprehensive engagements) and provides state‑specific planning options for Washington residents. The firm also incorporates financial education into its practice through seminars and public speaking—sometimes offered pro bono—an element that is less common among peer independent single‑advisor firms.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Fee options
Starter Pack fixed fee $500, plus $500 if student loans topic included; Seminar fees range from free to $10,000 or $0 to $100 per participant.
$0 - $1,000,000: 0.95% $1,000,001 - $3,000,000: 0.85% $3,000,001+: 0.75% $0 - $5,000,000: 0.35% (XYPN Invest Outside Manager) $5,000,001 - $25,000,000: 0.30% (XYPN Invest Outside Manager) $25,000,001+: 0.25% (XYPN Invest Outside Manager)
$350 per hour for Financial Planning, Project-Based Planning for Washington clients, and additional planning work.
Comprehensive Financial Planning monthly subscription fees between $500 and $4,000 per month.
Fee-only: Comprehensive Financial Planning monthly fees range from $500 to $4,000 ($6,000 to $48,000 annually), plus an upfront onboarding fee of $1,000 to $10,000; fees are negotiable. Beginner's Guide fees range from $1,000 to $2,000. Starter Pack fixed fee is $500 plus $500 if student loans topic included. Hourly financial planning fee is $350/hr.
Main office location
Buff Your Finances
888 E Thousand Oaks Blvd, Suite 102
Thousand Oaks CA 91360, United States
Number of offices
1
Most active in
Buff Your Finances has reported serving >5 clients in these states in the last 12 months.
California · Louisiana · Nevada · New York · Texas · Virginia · Washington
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
Quick links
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")