True Wave Wealth Planners

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Client assets under management

$402,120,862

Clients

922

29% high-net worth

Advisors

of 6 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

307

Very High

Average account size

$436,140

About

True Wave Wealth Planners serves individuals (including high‑net‑worth clients), retirement plans, and business clients, offering model portfolio (investment supervisory) management, selection and monitoring of third‑party money managers, and financial planning. The firm also makes a separate tax‑preparation service available through an affiliated tax practitioner; that service is offered as an optional, separately billed engagement.

The firm’s investment approach emphasizes model asset‑allocation portfolios that are managed on a discretionary basis and supervised to meet each model’s stated objectives, with accounts managed according to the portfolio’s goal rather than being fully bespoke for each client; clients may impose reasonable investment restrictions and are contacted at least annually to review suitability. True Wave also evaluates mutual funds and ETFs, employs long‑term purchase strategies, and conducts due diligence on unaffiliated third‑party managers it recommends and monitors.

Noteworthy features include a relatively large asset base and client roster managed by a small advisory team, with the majority of assets managed discretionary — a servicing ratio that is less common among supported firms. The brochure also discloses potential conflicts from receiving solicitor fees when referring to third‑party managers and states the firm does not vote client proxies, leaving proxy voting and shareholder communications to clients and their custodians.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

General retirement planning Wealth management

Fee options

Fixed

Fixed fees for financial planning typically ranging from $1,000 to $4,500

Percentage

$0 - $250,000: 1.50% $250,001 - $500,000: 1.40% $500,001 - $750,000: 1.00% $750,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $2,500,000: 0.80% $2,500,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.70% $4,000,001 - $5,000,000: 0.65% $5,000,001 - $6,000,000: 0.50% $6,000,001 - $7,000,000: 0.45% $7,000,001 - $8,000,000: 0.40% $8,000,001 - $9,000,000: 0.40% $9,000,001 - $10,000,000: 0.40% $10,000,001+: 0.30%

Project-based

Up to $250 per hour for Financial Planning services

Other

Account minimum: $250,000 Fee-only: Financial Planning fees charged hourly up to $250/hour or fixed fees typically ranging from $1,000 to $4,500

Main office location

True Wave Wealth Planners

1545 River Park Drive,, Suite 401

Sacramento CA 95815, United States

Number of offices

Most active in

California · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

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.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

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

Quick links

Website 916-921-9220

Advisors at this firm

Todd H

CFP®, Series 63, Series 65

Sacramento, CA

True Wave Wealth Planners

Todd Hadley is a CFP® with 25 years of industry experience, currently serving at True Wave Wealth Planners in Sacramento, CA. He has prior experience with Securities Service Network, Inc. and Lucas Group Financial Planners, Inc., and operates Hadley Tax Consulting, providing tax advising and preparation services. He also owns Hadley Insurance Services, an insurance agency. True Wave Wealth Planners serves individual investors, including high-net-worth clients, as well as pension and corporate plan sponsors. The firm provides discretionary portfolio management using model asset-allocation portfolios, third-party manager selection, and comprehensive financial planning, with an investment approach focused on matching client objectives and adjusting equity exposure based on market conditions.

General retirement planning Wealth management

Paola Q

Series 65

Sacramento, CA

True Wave Wealth Planners

Paola Quintero Salazar is a financial advisor at True Wave Wealth Planners with a Series 65 designation and two years of industry experience. She has worked at Lucas Group Financial Planners, Inc. since 2022 and was previously involved with Financial Wellness at Sacramento State from 2021 to 2023. True Wave Wealth Planners serves individual investors, including high-net-worth clients, as well as pension and corporate plan sponsors. The firm provides discretionary portfolio management using model asset-allocation portfolios, third-party manager selection, and comprehensive financial planning, with a focus on adjusting equity exposure based on market risk.

General retirement planning Wealth management

Matthew P

CFP®, Series 63, Series 66

Sacramento, CA

True Wave Wealth Planners

Matthew Page is a CFP® professional with 22 years of industry experience, currently serving as an advisor at True Wave Wealth Planners in Sacramento, CA. He has been with Lucas Group Financial Planners, Inc. since 2014 and previously worked at Securities Service Network, Inc. from 2014 to 2019. Page is a board member of the Sacramento Estate Planning Council and serves as president of the Financial Planning Association NorCal Chapter. True Wave Wealth Planners serves individual investors, including high-net-worth clients, as well as pension and corporate plan sponsors, offering discretionary portfolio management and comprehensive financial planning. The firm utilizes model asset-allocation portfolios tailored to client objectives and conducts ongoing portfolio reviews and third-party manager due diligence.

General retirement planning Wealth management

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