C
Contemporary Planning Alternatives
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$30,007,186
Total clients
30
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
30
Average account size
$1,000,240
About
Contemporary Planning Alternatives provides personalized financial planning and investment management to individuals as well as pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. The firm operates primarily on a fee‑only basis and commonly uses percentage‑of‑assets billing while making referrals to tax and estate professionals as needed.
The adviser implements a strategic asset allocation framework with a core‑and‑satellite approach, pairing a typically income‑oriented core with shorter‑term trading satellites and the occasional use of hedging or inverse ETFs to manage risk and pursue incremental returns. Client objectives are documented through a Client Suitability Assessment and an Investment Policy Statement, and the firm manages client portfolios on a discretionary basis with periodic (generally quarterly) reviews.
Distinctive features include a long history as a sole‑proprietor RIA (founded in 1996) that, per the brochure, manages approximately $30.007 million on behalf of roughly 38 clients and conducts all trading through the sole adviser. The firm also offers alternative engagement formats beyond ongoing asset management (including retainer and hourly planning arrangements), no longer sells insurance after not renewing its life insurance license in 2022, and discloses that the principal trades personal accounts in some of the same securities as clients while addressing potential conflicts.
Client services
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Income planning
Fee options
Retainer Agreement: $10,000 annually (fixed fee, not negotiable)
$0 - $500,000: 1.00% $500,000 - $1,000,000: 0.75% $1,000,000 - $4,000,000: 0.50% $4,000,000+: 0.35%
$175 per hour for follow-on implementation work
Account minimum: $250,000 preferred Minimum fee: $1,500 minimum fee for financial planning (hourly engagement) Fee-only: Fee-only financial planning and investment management services
Main office location
Contemporary Planning Alternatives
Camarillo CA, United States
Number of offices
1
Most active in
Contemporary Planning Alternatives 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:
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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
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