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Fleming Financial Advising

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Client assets under management

$65,726,053

Clients

44

50% high-net worth

Advisors

2

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

22

Low

Average account size

$1,493,774

About

Fleming Financial Advising serves individual clients, including high–net-worth households, offering tailored financial planning and ongoing portfolio management on a fee‑only, fiduciary basis. The firm manages approximately $65.7 million in discretionary assets for a small client roster and provides both project-based planning and continuous advisory relationships.

The firm emphasizes goal‑based, risk‑aware portfolio construction rather than pre-set model portfolios, focusing on diversification, valuation-aware allocation shifts, and long‑term perspectives. Investment implementation is limited to mutual funds, ETFs/ETNs, closed‑end funds and individual bonds/CDs (the firm does not routinely purchase individual equities, leveraged products, derivatives, options, or use margin), and employer retirement accounts are addressed through client‑directed recommendations.

Distinctive features include a compact advisory team that structures engagements as hourly/limited plans, fixed retainers, or ongoing management, allowing flexibility in the scope and cadence of services. The firm requires certified planners to deliver planning advice, declines performance‑based fee arrangements, does not vote client proxies, and relies on an institutional custodian relationship that supplies operational and research support.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Social Security optimization Income planning Cash flow / budgeting

Demographic focus

Approaching retirement Retired

Fee options

Fixed

Retainer Agreement fees are fixed, minimum $4,000 per project or annual term; Financial Management Agreement may have fixed annual fee component starting at $4,000.

Percentage

$0 - $5,000,000: 0.50% $5,000,000 - $10,000,000: 0.45% $10,000,000 - $15,000,000: 0.40% $15,000,000+: 0.35%

Project-based

Hourly rate is $290 per hour for Limited Advisory Agreement; minimum 4 hours for new clients, 2 hours for returning clients.

Other

Minimum fee: Financial Management Agreement has a minimum annual fee of $7,000; Retainer Agreement minimum fee is $4,000; Limited Advisory Agreement has minimum billed hours (4 hours for new clients, 2 hours for returning clients) with hourly rate $290. Fee-only: All services are fee-only; no commissions or other compensation are received.

Main office location

Fleming Financial Advising

1615 Bonanza Street, Suite 210

Walnut Creek CA 94596, United States

Number of offices

2

Most active in

More info

California

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

(925) 287-9448

Advisors at this firm

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user avatar

Ann F

CFP®

Walnut Creek, CA

Fleming Financial Advising

Ann Fleming is a CFP® with 8 years of industry experience, currently serving at Fleming Financial Advising and owning i2 Financial Planning, a financial education company. She has worked at Fleming Financial Advising since 2000 and founded i2 Financial Planning in 2025, dedicating a portion of her time to this educational endeavor. Fleming Financial Advising primarily serves individual clients with fee-only financial planning and portfolio management under a fiduciary standard. The firm emphasizes goal- and risk-focused investment strategies, individualized portfolios, and maintains a small advisory team with credentialed planners.

General retirement planning Social Security optimization Income planning Cash flow / budgeting Approaching retirement Retired
user avatar

Karen M

CFP®, Series 65

Walnut Creek, CA

Fleming Financial Advising

Karen Medford is a CFP® with eight years of experience at Fleming Financial Advising in Walnut Creek, CA. She has been with the firm since 2009 and holds a Series 65 license. Fleming Financial Advising serves individual clients with fee-only financial planning and portfolio management under a fiduciary standard, focusing on later-life planning and survivor-transition work. The firm emphasizes goal- and risk-focused investment strategies using diversified pooled vehicles and fixed-income instruments, managing most accounts on a discretionary basis with individualized portfolios rather than model portfolios.

General retirement planning Social Security optimization Income planning Cash flow / budgeting Approaching retirement Retired
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