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St. Clair Financial

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Client assets under management

$141,057,308

Clients

93

41% high-net worth

Advisors

2

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

47

Typical

Average account size

$1,516,745

About

St. Clair Financial serves individuals, high-net-worth individuals, and charitable organizations with coordinated financial planning, investment consulting, and both discretionary and non-discretionary portfolio management. The firm advises across a broad set of investment vehicles — including mutual funds, ETFs, stocks, bonds, REITs, and certain insurance products — and may recommend or retain third-party advisers for portions of client portfolios.

The firm’s planning approach seeks to integrate investment, tax, pension, mortgage, and spending considerations into a decision-ready framework and emphasizes risk-based, diversified allocations implemented primarily through mutual funds and ETFs. Ongoing account oversight includes annual reviews, event-driven updates, and operational support for trading and rebalancing via a third-party back-office provider (Elk Ridge Financial Service).

A distinctive feature is that the principal operates proprietary debt- and mortgage-management platforms (MortgageNudge and DebtToolz4Advisors) that provide software, training, and support and may generate separate compensation; the brochure discloses these ancillary activities and the firm’s processes for addressing the resulting conflicts. The firm also offers a one-time, free general planning meeting for qualified lower-income individuals and clients’ young adult children, a service not commonly offered by peer supported firms.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Social Security optimization Medicare planning Equity Recipients (RS/RSU, SOP, ESPP) College savings (529s, UTMA, etc.) Cash flow / budgeting

Fee options

Fixed

Flat fees for financial planning services generally range from $4,500 to $7,500 for initial assessment; ongoing flat fees range from $4,500 to $15,000 annually.

Project-based

Hourly fees generally range from $275 to $625 per hour.

Other

Fee-only: Flat fees generally range from $4,500 to $7,500 for initial financial assessment; ongoing financial planning fees range from $4,500 to $15,000 annually.

Main office location

St. Clair Financial

2140 Professional Drive, Suite 250

Roseville CA 95661, United States

Number of offices

1

Most active in

More info

California · Texas

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

X Website (916) 780-1848

Advisors at this firm

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user avatar

Donald S

CFP®, Series 63, Series 65

Roseville, CA

St. Clair Financial

Donald St. Clair is a CFP®-certified financial advisor with 31 years of industry experience. He is the owner of St. Clair Financial in Roseville, CA, where he has worked since 2010. Prior to founding his firm, he was associated with National Planning Corporation for nearly two decades. Outside of his advisory work, he is the owner and CEO of MortgageNudge®, a technology company focused on mortgage and debt management tools. St. Clair Financial provides financial planning and investment consulting to individuals, high-net-worth clients, and charitable organizations. The firm emphasizes diversified, risk-based portfolios and offers services including retirement planning, Social Security analysis, and employee stock option guidance, while acting as a fiduciary for retirement accounts.

Social Security optimization Medicare planning Equity Recipients (RS/RSU, SOP, ESPP) College savings (529s, UTMA, etc.) Cash flow / budgeting
user avatar

Andrea H

CFP®, Series 63, Series 65

Roseville, CA

St. Clair Financial

Andrea Hilderbrand is a CFP® professional with over 20 years of experience at St. Clair Financial, where she currently serves as the sole advisor. She also worked at Turbo Tax for five years. St. Clair Financial provides financial planning and investment consulting to individuals, high-net-worth clients, and charitable organizations. The firm offers diversified, risk-based portfolios and a range of services including retirement planning, tax-adjusted cash flow analysis, and employee stock option guidance.

Social Security optimization Medicare planning Equity Recipients (RS/RSU, SOP, ESPP) College savings (529s, UTMA, etc.) Cash flow / budgeting
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