Point4ward Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,076,445
Clients
9
67% 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
9
Very LowAverage account size
$452,938
About
Point4ward Financial Planning serves individual and high-net-worth clients with ongoing discretionary portfolio management as well as project-based and one-year comprehensive financial planning that covers retirement, tax, estate, cash-flow, and business-planning topics. The firm reports about $4.1 million in assets under management across a small client roster and does not impose a formal account minimum.
The adviser emphasizes passive portfolio construction using index mutual funds and ETFs for low-cost, tax-efficient exposure, while also applying fundamental analysis and tailoring asset-allocation targets to client goals and risk tolerance. It also uses third‑party model providers and outside managers — including a sub-advisor that constructs Modern Portfolio Theory (MPT)-based model portfolios — and may include mutual funds, ETFs, individual securities, and options within managed accounts.
Distinctive operational features include one-year comprehensive planning engagements with implementation and periodic follow-up and a specific business-planning consulting offering for owner-clients. The firm’s principal holds CFP certification and maintains an insurance license but will not sell insurance through the firm; the adviser also recommends specific custodians and discloses receipt of custodial support services and soft‑dollar benefits as a potential conflict of interest.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Fixed fees for financial planning services ranging from $500 to $3,000
$0 - $1,000,000: 0.65% $1,000,001 - $2,500,000: 0.55% $2,500,001 - $5,000,000: 0.45% $5,000,001 - $10,000,000: 0.35% $10,000,001+: 0.25%
Fee-only: Fixed fees ranging from $500 to $3,000 depending on complexity and client needs
Main office location
Point4ward Financial Planning
Walnut Creek CA, United States
Number of offices
1
Most active in
Point4ward Financial Planning 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
Quick links
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