Fog City Advisors, LLC

Fog City Advisors is a fee-only advisory firm that provides holistic financial planning and investment management to individuals, families, trusts, non-profit organizations, and business entities. Services include comprehensive ongoing fixed-fee financial planning (often incorporating investment management and tax preparation), limited project planning, financial reviews, and stand-alone asset management for discretionary accounts.

The firm emphasizes long-term, strategic asset allocation grounded in Modern Portfolio Theory, using broadly diversified, low-cost mutual funds and ETFs with periodic rebalancing and selective use of individual fixed‑income securities or specialized funds. Portfolios may be tilted toward small‑cap, value, and profitability factors within a globally diversified framework, and the adviser typically operates with discretionary trading authority to implement agreed investment policies.

What is less common among peers is that the firm’s managing member holds CPA and CFP designations and the firm often includes tax preparation as part of its ongoing fixed‑fee planning—while the brochure also notes the CPA license is maintained without offering separate accounting services to clients. The firm reports approximately $143.6 million in discretionary assets under management and two advisory professionals, and it has a documented succession arrangement with another advisory firm and recent SEC registration, features that may distinguish its operational and continuity planning from many small advisory practices.