Full Circle Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$7,105,000
Total clients
44
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
44
Average account size
$161,477
About
Full Circle Financial Planning provides investment management and financial planning to individuals, including high‑net‑worth clients, delivering continuous portfolio advice as well as ongoing and project‑based planning that can cover retirement, estate, tax, business, cash flow, insurance, and college‑savings needs. The firm operates on a fee‑only basis and advises primarily in stocks, bonds, mutual funds, ETFs and cash equivalents while coordinating with third‑party professionals when appropriate.
The firm’s investment process emphasizes asset allocation guided by modern portfolio theory and primarily employs passive investment vehicles, with socially responsible (ESG) options available on request; written investment policies and quarterly account reviews are part of its process. Full Circle is notable for operating predominantly on a non‑discretionary basis—clients retain final approval for trades and may impose reasonable investment restrictions—which differs from the discretionary model used by most peers.
Distinctive features include the firm’s unusually high share of non‑discretionary assets under management and its provision of educational seminars and speaking engagements, offerings that are uncommon among similar independent advisers. The principal holds both CFP® and CPA credentials, runs a small, solo practice established recently, and discloses a limited outside CPA consulting activity as an ancillary service.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
College savings (529s, UTMA, etc.)
Business ownership considerations
Retirement income strategy
Cash flow / budgeting
Fee options
Initial Financial Plan fee up to $5,000; Educational Seminars $0 to $100 per participant
$0 - $500,000: 0.75% $500,001 - $1,500,000: 0.65% $1,500,001+: 0.55%
$250 per hour for Project-Based Financial Planning
Ongoing Financial Planning fees paid quarterly in arrears, ranging from $800 to $2,500
Fee-only: Ongoing Financial Planning: $800 to $2,500 quarterly; Project-Based Financial Planning: $250 per hour
Main office location
Full Circle Financial Planning
Topanga CA, United States
Number of offices
1
Most active in
Full Circle Financial Planning 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")