Innovative Financial Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
27
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
27
TypicalAverage account size
$0
About
Innovative Financial Advisors, LLC provides confidential, client‑focused financial planning and consulting to individuals, high‑net‑worth clients, and small businesses, and refers client assets to a third‑party money manager for investment management. The firm offers cash‑flow, retirement, tax, insurance and estate planning advice through hourly or fixed‑fee engagements and does not directly manage client assets or act as a broker‑dealer.
The firm documents client goals and risk tolerances and uses fundamental, technical and cyclical analysis to develop tailored investment strategies and written plans, with periodic reviews and educational seminars and workshops offered to the public at no charge. Clients who seek ongoing portfolio management are placed with a third‑party manager under separate investment agreements; the firm does not accept discretionary trading authority for client accounts.
Noteworthy distinctions include the firm’s reliance on a referral‑based model rather than in‑house portfolio management and the managing member’s concurrent role as an independent insurance and tax professional, which results in commission and tax‑service income and is disclosed as a potential conflict of interest. The firm generally charges flat or hourly planning fees (and does not itself levy percentage‑of‑AUM advisory fees), and it receives referral and incentive payments from its third‑party money manager, arrangements that are disclosed in client agreements.
Client services
Financial planning
Selection of other advisers
Educational seminars or workshops
Occupation focus
Founder/Business Owner
Fee options
Financial planning fixed fees range from $1,200 to $3,000; $300 flat fee for Client Directed Accounts.
$0+: 2.15% (Custom Indexing - Strategic) $0+: 2.00% (Strategic) $0+: 1.85% (Custom Indexing - Allocation) $0+: 1.70% (Allocation & Defined Outcome) $0+: 1.80% (Tactical) $0+: 1.70% (Defined Outcome) $0+: 1.50% (Private Wealth) $0+: 1.00% (Preservation)
Commission from insurance product sales by Managing Member as independent insurance agent (not through Advisor).
$200 per hour for financial planning services.
Account minimum: $25,000 Fee-only: $200 per hour for financial planning; Flat fees ranging from $1,200 to $3,000 for financial planning based on complexity and client needs; fees negotiable; $300 flat fee for Client Directed Accounts.
Main office location
Innovative Financial Advisors, LLC
801 Sterling Pkwy, Suite 110
Lincoln CA 95648, United States
Number of offices
1
Most active in
Innovative Financial Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
California · Wyoming
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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