Phase Change Wealth Management LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$29,000,000
Clients
119
4% 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
119
Very HighAverage account size
$243,697
About
Phase Change Wealth Management is an independent, fee-only advisory firm that provides discretionary investment management and project-based financial planning. Its services cover a broad set of planning topics — including business planning, employee benefits optimization, estate planning, tax-aware retirement planning, and investment analysis — for individual and corporate clients.
The firm combines modern portfolio theory with both passive and active strategies and uses fundamental, technical, and cyclical analysis to set asset-allocation targets and select funds and securities. Portfolios typically include stocks, bonds, mutual funds, ETFs and, where suitable, Crypto ETFs; the advisor manages accounts on a discretionary basis and recommends Interactive Brokers as the custodian for trade execution and reporting.
Compared with many solo independent advisers, the firm explicitly emphasizes higher-net-worth and business/corporate clients rather than mass-market retail individual clients, and it makes business-owner and employee-benefit work a regular part of its planning offering. It is a recently established, single-advisor firm run by a CFP®-certified practitioner that also leverages the recommended custodian’s operational and research technology as part of its service model.
Client services
Financial planning
Portfolio management
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Retirement income strategy
Fee options
$250,000 - $500,000: 1.00% $500,001 - $1,000,000: 0.85% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $3,000,000: 0.65% $3,000,001+: 0.50%
$300 per hour for project-based financial planning (negotiable)
Account minimum: $250,000 Fee-only: Fee-only firm; no commissions or sales-related compensation
Main office location
Phase Change Wealth Management LLC
Sebastopol CA, United States
Number of offices
1
Most active in
Phase Change Wealth Management LLC 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:
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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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