Young Financial & Insurance Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$9,650,000
Clients
27
0% 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
27
TypicalAverage account size
$357,407
About
Young Financial & Insurance Services provides personalized financial planning and investment management to individuals, pension and profit‑sharing plans, 401(k) plans and participants, trusts, estates, corporations, and charitable organizations. Services described in the brochure include comprehensive financial planning, asset management, hourly planning engagements, and consulting to 401(k) plans, as well as guidance on annuities and insurance products.
The firm uses a strategic, core‑and‑satellite asset allocation approach that emphasizes passive index and ETF funds as core holdings with actively managed funds as satellites and pursues global diversification. Accounts are managed on a non‑discretionary basis — the adviser consults with clients before executing trades, documents objectives in investment policy statements, and performs periodic (typically quarterly) reviews.
Noteworthy features compared with many peers include dual licensing and affiliated activities: the firm is appointed with several insurance companies and holds a real‑estate broker license, and the brochure discloses that annuities, insurance products and real‑estate transactions may generate commissions. The brochure also reports approximately $9.65 million in assets under management for 27 clients and describes ERISA‑focused services (plan performance reviews and participant consultation) that are less common for small independent advisers.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Annuities
General retirement planning
Occupation focus
Founder/Business Owner
Retired
Fee options
Financial plan minimum fee $450.00; fees negotiable
$50,000 - $149,999: 1.50% $150,000 - $499,000: 1.25% $500,000 - $999,999: 1.125% $1,000,000 - $1,999,999: 1.00% $2,000,000+: Negotiable
Commissions received from insurance products and real estate transactions
Hourly rate of $175.00 per hour for financial planning and 401(k) consultation services; negotiable
Account minimum: $50,000 Minimum fee: Minimum annual fee of $750.00 Fee-only: Hourly rate of $175.00 per hour for limited scope engagements and 401(k) plan advisory services; Financial plan minimum fee $450.00; fees negotiable
Main office location
Young Financial & Insurance Services
Millbrae CA, United States
Number of offices
1
Most active in
Young Financial & Insurance Services 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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
-
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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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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