Imagine Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$12,956,482
Clients
42
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
42
HighAverage account size
$308,488
About
Imagine Financial Services is a solo, state‑registered independent advisory firm that serves individual clients through ongoing investment management and offers comprehensive and project‑based financial planning. The firm also provides retirement plan consulting to employer plan sponsors, assisting with plan design, monitoring, investment menu selection, and participant education.
The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes passive, low‑turnover portfolios constructed with mutual funds and ETFs to achieve targeted asset‑class exposures; clients receive tailored investment policy statements and may impose reasonable restrictions on their accounts. For larger relationships the firm may engage a third‑party sub‑advisor (including the use of Dimensional Fund Advisors model portfolios) and generally manages client accounts on a discretionary basis.
What distinguishes the firm from many solo independent advisers is its ongoing retirement plan consulting and ERISA fiduciary role on behalf of plan sponsors and plan fiduciaries, a service not commonly offered by firms in this category. The firm also combines fixed‑fee comprehensive planning and shorter project planning engagements and notes use of sub‑advisor mutual funds that can have purchase or reallocation limitations if a client moves to another adviser.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Project Planning: $3,600 fixed fee; Comprehensive Financial Planning: typically $7,500, up to $12,000 depending on complexity; Project Planning fee is $3,600 fixed fee
$300,000 - $500,000: 1.5% annually $500,001 - $1,000,000: 1.25% annually $1,000,001 - $3,000,000: 1.0% annually $3,000,001 - $5,000,000: 0.75% annually $5,000,001+: Negotiable
Comprehensive Financial Planning continuation at $250/month after initial 12-month engagement; ongoing financial planning service continuation available at $250/month
Account minimum: $300,000
Main office location
Imagine Financial Services
Lake Havasu City AZ, United States
Number of offices
1
Most active in
Imagine Financial Services has reported serving >5 clients in these states in the last 12 months.
Arizona · 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
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")