F
Financial Planning Associates
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
120
25% high-net worth
Advisors
1
of 2 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
120
Very HighAverage account size
$0
About
Financial Planning Associates serves individuals and small businesses by providing financial planning and by referring clients to a third‑party investment adviser for portfolio management. The firm develops a client Risk Profile through personal discussions and documents client goals and limitations to guide referrals rather than directly managing or custodying client assets.
FPA evaluates a client’s financial and tax situation to determine appropriate third‑party programs, provides ongoing monitoring of the selected manager, and meets with clients periodically to review and update planning documents. Financial planning is offered as a separate service and the firm assists clients in selecting or changing investment managers when needed.
The brochure discloses prior regulatory and customer matters, including a FINRA disciplinary action and settled complaints, which the firm identifies as material to client evaluation. The firm also notes that it is compensated by the third‑party manager for referrals rather than charging typical AUM fees, and that its principal conducts a separate tax‑preparation business — conflicts the brochure says are addressed through disclosure, due diligence and client consent.
Client services
Financial planning
Selection of other advisers
Expertise
General retirement planning
Occupation focus
Founder/Business Owner
Fee options
$250 per hour, fees are negotiable
Fee-only: $250 per hour, fees are negotiable
Main office location
Financial Planning Associates
335 Spreckels Drive, Suite A
Aptos CA 95003, United States
Number of offices
1
Most active in
Financial Planning Associates 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")