On the Trail Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$83,823,098
Clients
67
55% 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
67
Very HighAverage account size
$1,251,091
About
On the Trail Financial Planning is an independent, fee-only advisory firm that provides holistic financial planning and discretionary portfolio management to individuals (including high‑net‑worth clients), trusts, and charitable organizations. The firm offers both one‑time and ongoing planning engagements and routinely addresses retirement, estate, tax, insurance, college‑savings, cash‑flow, and risk‑management topics as part of its planning services.
The firm’s investment approach emphasizes low‑cost, passive management, constructing asset‑allocation portfolios primarily with index mutual funds and ETFs and managing client accounts on a discretionary, fiduciary basis. Custody is maintained at independent custodians (the brochure references relationships with Schwab and Altruist), and the firm conducts quarterly account reviews while delivering written financial plans to planning clients; it does not provide separate written portfolio reports for managed accounts.
Distinctive for a solo adviser, the firm reports roughly $83.8 million in discretionary assets under management across about 67 client relationships, resulting in a higher assets‑per‑adviser concentration than many peers. The firm also notes operational practices that differ from some rivals — it does not aggregate or block trades across clients, maintains a formal Code of Ethics and business‑continuity plan, and operates without third‑party sales compensation.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General retirement planning
Fee options
One-time financial plan fee of $3,000; upfront financial planning fee up to $2,000
$0 - $500,000: 1.20% $500,001 - $1,000,000: 0.90% $1,000,001 - $3,000,000: 0.75% $3,000,001+: 0.60%
Ongoing financial planning fee of $4,000 per year, paid quarterly in arrears
Minimum fee: Financial Planning ongoing fee minimum of $4,000 per year Fee-only: Fee-only compensation; no commissions or sales-related compensation accepted
Main office location
On the Trail Financial Planning, LLC
Walnut Creek CA, United States
Number of offices
1
Most active in
On the Trail Financial Planning, LLC 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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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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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