Fernandez Financial Advisory, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$66,000,000
Clients
54
26% 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
54
HighAverage account size
$1,222,222
About
Fernandez Financial Advisory provides fee-only financial planning and investment management to individuals, families, trusts, estates, small businesses, and employee benefit plans. Services include ongoing portfolio management, hourly financial planning engagements, and pension consulting and education for plan fiduciaries and participants.
The firm manages client accounts on a non-discretionary basis, executing transactions only with client approval under a limited trading authorization. Portfolios typically follow a strategic, core-and-satellite asset-allocation approach that emphasizes passive index and ETF core holdings complemented by active funds or individual securities selected through fundamental analysis and global diversification.
Managing roughly $66.3 million for a modest client base, the predominance of non-discretionary assets is a notable departure from most independent advisers and influences how investment decisions and trade execution are conducted. The firm also offers participant-facing educational seminars and occasionally presents at third-party workshops for modest compensation, an offering that is relatively uncommon among peers; it operates as a fee-only adviser and does not accept commissions or sell proprietary products.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
General retirement planning
General tax planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Wealth management
Fee options
$0 - $500,000: 1.00% $500,001 - $1,000,000: 0.80% $1,000,001+: 0.50%
$350 per hour for financial planning services
Fee-only: $350 per hour for financial planning services; initial setup fee typically $150, not to exceed $500
Main office location
Fernandez Financial Advisory, LLC
5212 Katella Ave., Suite 205
Los Alamitos CA 90720, United States
Number of offices
1
Most active in
Fernandez Financial Advisory, LLC 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")