Finding the Top Financial Advisors in Lafayette, CA
Finding a financial advisor just got easier. To help you narrow the field, we conducted extensive research, poring over government agency filings and company websites. Gathering key data such as fees, services offered and investment minimums, we created this list of the top eight financial firms in Lafayette, California.
|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Capital Advantage Find an Advisor||$705,917,488||$500,000|| || |
|2||HC Financial Advisors, Inc. Find an Advisor||$349,714,747||$1,000,000|| || |
|3||Concentric Wealth Management LLC Find an Advisor||$263,175,796||$1,000,000|| || |
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|4||VR Advisors, LLC Find an Advisor||$226,438,000||No set account minimum|| || |
Minimum AssetsNo set account minimum
|5||Personal Financial Consultants, Inc. Find an Advisor||$196,399,435||None|| || |
|6||Wallace Advisory Group, LLC Find an Advisor||$142,759,188||None|| || |
|7||Gebhardt Group, Inc. Find an Advisor||$126,891,824||$1,000,000|| || |
|8||Garner Financial Management, Inc. Find an Advisor||$119,054,383||$500,000|| || |
How We Found The Top Financial Advisors in Lafayette, CA
We started by finding all financial advisor firms in Lafayette that are registered with the Securities Exchange Commission (SEC). We then removed firms that faced disciplinary action in the past 10 years or whose individual accounts make up less than half of their client base. Finally, we ranked the firms in Lafayette based on assets under management, from largest to smallest.
Capital Advantage tops our list with more than $705.9 million in assets under management. It offers investment management and financial planning services to individuals, high-net-worth individuals as well as their related trust funds, retirement plans and estates. It also works with pension and profit sharing plans, charitable organizations and corporations or other business entities.
SEC records show its current client base consists of about as many high-net-worth individuals as ones outside that scope. To receive investment advisory services, you need a minimum account size of $500,000.
The team includes three certified financial planners (CFPs), two chartered financial analysts (CFAs), two chartered retirement planning counselor (CRPC) and one financial paraplanner qualified professional (FPQP). The firm is fee-only, which means its advisors earn compensation solely from you for the services it provides. They do not earn commissions from third parties for selling their products.
Capital Advantage Background
Capital Advantage has been a registered investment advisor (RIA) since 1998. Today, it offers a range of financial planning and investment management services. It can tailor a plan to your specific financial planning needs. Advisors specialize in the following topics:
- Retirement planning
- Education funding
- Investment tax planning
- Risk management planning
- Charitable gift planning
Founder and President John S. Hayman is the majority owner of the firm. Executive Vice President & Senior Financial Advisor Donna Zinman, Chief Compliance & Operating Officer Dawnalizabeth Henke, Director of Investment Management Colin Taylor and Senior Financial Advisor Ian Castille have small stakes.
Capital Advantage Investing Strategies
Capital Advantage seeks to build and monitor client portfolios based on their risk tolerance and investment goals. It generally advises on no-load mutual funds and exchange-traded funds (ETFs). But portfolios also may invest in individual stocks and bonds, certificates of deposit (CDs) and other types of securities.
HC Financial Advisors, Inc.
HC Financial Advisors holds more than $349.7 million in assets under management. It mostly works with individuals and families. It can also advise on their related trusts, retirement plans, investments and estates. Its clients include business owners, professionals and retirees. To establish a relationship with the firm, you generally need a minimum investment of $1 million. Most clients are high- net-worth individuals.
The firm employs three certified financial planners (CFPs), one chartered financial analyst (CFA), one chartered alternative investment analyst (CAIA) and one chartered mutual fund counselor (CMFC).
Neither the firm nor its partners have outside business affiliations. The firm works on a fee-only basis. This means its advisors earn compensation from only its clients for the services it provides. HC Financial Advisors doesn't earn third-party commissions for specific sales or recommendations.
HC Financial Advisors Background
HC Financial Advisors emerged in 1986 and is currently owned by Stephen Biggs, Karla McAvoy and Andrew Byron. All remain on the firm’s staff.
The practice provides an array of financial planning services depending on your needs. Its team can help you meet goals such as retirement savings, estate planning, business succession, funding education through 529 plans and more. It can also guide you on Social Security optimization.
HC Financial Advisors Investing Strategies
HC Financial Advisors constructs portfolios designed to reflect the risk tolerance and financial goals of its clients. It may allocate your assets across multiple securities to diversify and hedge against market volatility. Based on your financial profile, these may include equities, fixed income, mutual funds and alternative investments such as real estate investment trusts (REITs).
Concentric Wealth Management LLC
Concentric Wealth Management is a financial services firm with about $263.2 million in assets under management. It provides financial planning and investment management services, to individuals, high-net-worth individuals, trusts, estates, pension and profit-sharing plans and business entities. For portfolio management services, you’d need a minimum investment of $1 million. Most clients are high-net-worth individuals.
The firm collectively provides access to one chartered financial analyst (CFA), one certified financial planner (CFP) and one certified public accountant (CPA). As a fee-only firm, Concentric Wealth doesn’t collect commissions from third-party firms. And while it recommends Charles Schwab as the custodian to maintain client accounts, it doesn’t earn any compensation from the broker-dealer.
Concentric Wealth Management Background
Concentric Wealth Management was founded in 2008 and remains a privately-held firm. Its co-founders Eric Flett and Stewart McGuire each retains 50% ownership of the firm. Concentric Wealth offers stand-alone financial planning services as well as portfolio management. It can advise on several aspects of your financial life, from budgeting and saving to retirement planning and sheltering against taxation.
Concentric Wealth Management Investing Strategies
Concentric will build an investment portfolio with an asset allocation driven by your individual factors such as investing goals and appetite for risk. It diversifies these portfolios across broad asset classes it deems appropriate based on your profile. These include U.S. small- to large-cap stocks, fixed income, international securities and alternative investments such as real estate. The firm notes, “Our investment selections are not limited to any specific product or service offered by a broker-dealer or insurance company."
VR Advisors is a financial planning and investment advisory firm with more than $226.4 million in assets under management. It works with individuals and families as well as their related trusts and other investments. Most of its client base consists of individuals and high-net-worth individuals. But it may also advise businesses, non-profit organizations and corporate retirement plans. Most clients are high-net-worth individuals.
You don’t need a minimum account size to receive portfolio management services from the firm. That said, you will have to pay a minimum asset-based quarterly fee of $1,250 for these services. The firm collects fees on a fee-only basis, so it doesn't collect commissions from third-party firms.
VR Advisors Background
President Rick Ashburn, a chartered financial analyst (CFA), leads the advisory team. He has more than 20 years in the financial services industry. He’s also an enrolled agent (EA) who is authorized by the U.S. government to represent taxpayers regarding matters dealing with the IRS.
VR Advisors formed in 2017. The firm customizes financial plans for each client. Depending on your needs, yours may address the following:
- Saving and cash flow management
- Retirement planning
- Estate planning
- Risk management
- Education funding
- Investment management
The firm provides financial planning with investment management services and generally does not offer stand-alone financial planning without the portfolio management component.
VR Advisors Investing Strategies
VR Advisors generally spreads client assets across exchange-traded funds (ETFs) and mutual funds, as well as individual equity and fixed-income securities that it deems appropriate based on your financial profile and investing goals. When making investment decisions, the firm also considers your risk appetite and other factors like market conditions and your time horizon.
Personal Financial Consultants, Inc.
Personal Financial Consultants holds about $196.4 million in assets under management. It offers various stand-alone financial planning services based on your individual needs. The firm’s advisors can also manage an investment portfolio on your behalf. Though it also serves pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and business entities, most of its current clients are individuals and high-net-worth individuals.
You don’t need a minimum investment to initiate a relationship with the firm. When you work with the firm, you’d have access to three certified financial planners (CFP), one chartered life underwriter (CLU) and one chartered financial consultant (ChFC).
The firm’s advisors work on a fee-only basis, so they earn compensation directly for the services they provide to you. They don’t earn commissions from third parties for selling or recommending their products.
Personal Financial Consultants Background
Personal Financial has been registered with the SEC since 1985. President Loren B. Kayfetz is the sole owner. Today, the firm provides individual financial planning guidance as well as portfolio management services. Your plan depends on your needs, but the firm’s advisors specialize in the following:
- Retirement planning
- Estate planning
- Education funding
- Tax strategies
- Life and disability insurance
- Gifting programs
- Marriage/divorce management
- Social Security benefits
Personal Financial Consultants Investing Strategies
Based on your personal financial situation and investment objectives, the firm may build your portfolio with different mutual funds and exchange-traded funds (ETFs). It may also invest in individual securities such as stocks and bonds at your request. The firm utilizes investment research from various sources such as economic sector reports and financial news in order to make investment decisions.
Wallace Advisory Group, LLC
The Wallace Advisory Group has been providing investment management and financial planning services since 2015. Its three-person team oversees more than $142.7 million in assets under management. The firm serves individuals, high-net-worth individuals, trusts, estates and charitable organizations. You don’t need a minimum investment to work with the firm.
Bill Wallace leads the group with more than 35 years of experience. He specializes in life insurance, estate planning and wealth management. The firm generates fees from various sources including third-party firms who provide commissions when an advisor sells one of their products.
Wallace Advisory Group Background
Wallace Advisory is a family shop, with three Wallaces serving as advisors. Joseph Wallace is the majority owner, while Craig Wallace serves as chief compliance officer.
The firm provides various financial advisory services, including budgeting and cash flow management, retirement and estate planning and wealth transfer. In addition, the firm can design and construct a portfolio to help you meet your short- to long-term investment needs.
Wallace Advisory Group Investing Strategies
Wallace Advisory manages portfolios with an asset allocation designed to adhere to your risk tolerance, time horizon and investing goals. It may engage in both short-term and long-term purchases to meet these goals. The firm may also engage in dynamic asset allocation strategies that involve changing holdings and exposure to different asset classes to account for changes in the market environment and your financial needs.
Gebhardt Group, Inc.
Managing about $126.9 million in assets, Gebhardt Group is a financial advisory firm that caters to wealthy families, professional athletes and business executives. The firm also works with other high-net-worth individuals, trusts, estates, charitable organizations and pension and profit- sharing plans.
It generally requires a minimum investment of $1 million. The firm collects fees from its clients based on the services it provides. However, some advisors in their individual capacities may earn commissions for selling or recommending products from third-party firms. The team includes one certified financial planner (CFP).
Gebhardt Group Background
Gebhardt Group has been offering financial advisory services since 2007. James C. Gebhardt and Matthew D. Grishman serve as principal owners and advisors.
The firm aims to create life-long financial plans for its clients so they can preserve and transfer their wealth. This plan may touch on several topics such as tax management, estate planning, retirement savings and education funding.
Gebhardt Group Investing Strategies
Gebhardt Group utilizes Quantitative Trend Analysis (QTA), its proprietary asset management strategy. The firm developed it following the 2008 financial crisis, which drove the firm to believe that “our markets had fundamentally changed, and common investment beliefs needed to be challenged.”
This program monitors 36 different investment categories and uses the data gathered to make investment decisions. This data may guide the firm to remain partially or fully invested in certain asset classes and economic sectors based on evolving market conditions and your financial profile. Overall, Gebhardt Group aims to protect your principal from market volatility while securing growth.
Garner Financial Management, Inc.
Last but not least on our list, Garner Financial Management is a fee-only firm with more than $119.05 million in assets under management. It offers its services to individuals, corporations and other business entities. It also advises on trusts and retirement plans. To establish an account, you’d need a minimum of $500,000. Most clients are individuals outside the high-net-worth sector.
The team at Garner Financial is led by Blair J. Garner, who is a certified financial planner (CFP) and a chartered financial analyst (CFA). He also holds the chartered mutual fund advisor (CMFC) and the chartered retirement planning counselor (CRPC) designations.
Garner Financial Management Background
Robert Garner started his namesake firm in 2002. He still works at the firm as a part-time consultant. Blair Garner is now the sole owner. He’s joined in the office by two registered paraplanners (RPs), including another Garner.
The firm can build a financial roadmap based on your individual needs. Along the way, it can guide you through several different financial topics such as saving and investing, retirement planning, estate planning and more. It also offers Institutional Intelligent Portfolios, an automated investing platform sponsored by Schwab Wealth Investment Advisory, Inc. (SWIA).
Garner Financial Management Investing Strategies
Garner Financial clients have two different portfolio management programs to choose from. They can have the firm build a personalized and diversified portfolio with an asset allocation it deems appropriate for their investing goals, time horizon and risk appetite. Alternately, some clients may choose to use the robo-advisor available through SWIA. Based on your needs, either program may invest in a range of securities such as exchange-traded funds (ETFs), mutual funds and individual securities such as stocks and bonds.