Future Wallet
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,215,562
Clients
24
0% 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
24
TypicalAverage account size
$133,982
About
Future Wallet provides fee-only investment management, financial planning, financial coaching, and educational seminars and speaking engagements for individuals, high-net-worth clients, and corporations. The firm’s services include both ongoing and project-based planning and may incorporate third‑party investment managers to implement portfolios.
The firm’s investment approach draws on modern portfolio theory and uses a mix of passive and active funds, with an option to incorporate socially responsible (ESG) selections when requested. Investment management is typically delivered alongside financial planning rather than as a separate standalone product, and the firm executes client custody on selected institutional platforms.
Noteworthy distinctions include the firm’s emphasis on education and outreach through public seminars and speaking engagements, and its compensation model, which does not rely on percentage‑of‑assets fees but on fixed, hourly, and planning-based arrangements. The adviser operates with a concentrated client roster and often delegates day‑to‑day portfolio execution to outside managers while requiring clients to use its recommended custodial platforms.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Cash flow / budgeting
Retirement withdrawal strategies
Occupation focus
Founder/Business Owner
Executive
Fee options
Fixed fees for Project-Based Financial Planning range from $1,500 to $7,500; Educational Seminars fees range from $0 to $10,000 per seminar
$300 per hour for Project-Based Financial Planning; $200 per hour for Financial Coaching (individuals), $225 per hour for Financial Coaching (couples)
Minimum fee: Ongoing Financial Planning fees range from $2,500 to $15,000 annually Fee-only: Fee-only firm compensated solely by clients for advisory services
Main office location
Future Wallet
Walnut Creek CA, United States
Number of offices
1
Most active in
Future Wallet has reported serving >5 clients in these states in the last 12 months.
California · Texas
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
Quick links
LinkedIn
Facebook
X
Instagram
Website
(510) 859-3573
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")