Finding a Top Financial Advisor Firm in Roseville, California
Finding the right financial advisor for you and your family isn’t always easy. If you're looking for an advisor in Roseville, California, our list of the city's top financial advisor firms can make your search much simpler. Below you’ll find a breakdown of each firm, with information detailing their account minimums, fee schedules, client base and more. SmartAsset’s financial advisor matching tool can pair you with up to three financial advisors in your area.
Find a Fiduciary Financial AdvisorWe match more than 50,000 people with financial advisors per month. Get connected to an advisor that serves your area today.
|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Capital Planning Advisors, LLC Find an Advisor||$933,202,469||$500,000|| || |
|2||Smart Investor, LLC Find an Advisor||$564,306,702||No set account minimum|| || |
Minimum AssetsNo set account minimum
|3||Protection Point Advisors Find an Advisor||$392,446,572||No set account minimum|| || |
Minimum AssetsNo set account minimum
|4||Parkshore Wealth Management Find an Advisor||$341,044,420||No set account minimum|| || |
Minimum AssetsNo set account minimum
|5||Empyrion Wealth Management, Inc. Find an Advisor||$222,114,022||Varies based on account type|| || |
Minimum AssetsVaries based on account type
|6||We Alliance Wealth Advisors, Inc. Find an Advisor||$155,617,633||$500,000|| || |
|7||Up Capital Management, Inc. Find an Advisor||$194,926,931||$100,000|| || |
|8||Grecu Capital Management, Inc. Find an Advisor||$169,021,066||$1,000,000|| || |
|9||Pinnacle Asset Management, Inc. Find an Advisor||$133,099,596||$100,000|| || |
What We Use in Our Methodology
To find the top financial advisors in Roseville, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria:
- AUMFirms with more total assets under management are ranked higher.
- Individual Client CountFirms who serve more individual clients (as opposed to institutional clients) are ranked higher.
- Clients Per AdvisorFirms with a lower ratio of clients per financial advisor are ranked higher.
- Age of FirmFirms that have been in business longer are ranked higher.
All information is accurate as of the writing of this article. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria.
Capital Planning Advisors, LLC
The top firm on this list is Capital Planning Advisors, a fee-based firm that works with high-net-worth and non-high-net worth individuals. Capital's client base also includes institutional clients like banks, pension and profit-sharing plans, charitable organizations, insurance companies and corporations. The minimum account size at this firm is $500,000.
Fees for asset management are based on a percentage of assets under management. Financial planning and retirement plan consulting are charged at flat rates. However, advisors may earn commissions for selling insurance to clients, which presents a potential conflict of interest. Despite this, the firm abides by the fiduciary duty, legally binding it to act in clients' interests.
Capital Planning Advisors Background
Capital Planning Advisors was founded in 2014. Lawrence A. Hanson, Michael Sollazzo, Jason T. Bell and James B. Wilson each own 25% of the business.
The firm’s services include comprehensive portfolio management, financial planning, retirement planning, investment planning, education planning, real estate analysis, insurance analysis and personal tax planning.
Capital Planning Advisors Investment Strategy
The team at Capital Planning Advisors uses charting, cyclical, fundamental and technical analysis to come up with investments for clients. Both long- and short-term investments are used, in addition to hedging, covered calls and protective puts.
The firm takes into account a client's current financial situation, resources, goals and risk tolerance when designing a portfolio and picking investments. After meeting with a client at least once, the firm will potentially invest their assets in exchange-traded funds (ETFs), mutual funds, individual stocks or bonds, and alternative investments.
Smart Investor, LLC
Smart Investor is a fee-only firm whose team of advisors includes multiple certified financial planners (CFPs) and accredited investment fiduciary analysts (AIFs), among other accredited professionals.
Clients of the firm are mostly non-high-net-worth investors, with some high-net-worth clients on the rolls as well. The only institutional money at the firm belongs to pensions, profit-sharing plans and charities. Smart Investor does not require a minimum account size.
Fees for portfolio management are based on a percentage of assets under management. Financial planning and consulting are charged an hourly fee. The firm may also charge fixed fees.
Smart Investor Background
Smart Investor was founded in 2001 by Allan Henriques, who remains the chairman of the company's board. Sloy, Dahl and Holst, Inc., an SEC-registered investment advisor, acquired the firm in 2016.
Smart Investor’s services include portfolio management, financial consulting, risk assessment, investment planning and financial organization.
Smart Investor Investment Strategy
Advisors at Smart Investor use both quantitative and qualitative analysis to find investments, which will likely include stocks, mutual funds and ETFs. While firm's uses of quantitative analysis involves reviewing an investment's performance against its peer group and benchmark, qualitative analysis may include a review of a fund's investment philosophy or an interview with a portfolio manager.
The firm also may allocate clients assets in one or more model portfolios developed in-house. "These models are designed for investors with varying degrees of risk tolerance ranging from a more aggressive investment strategy to a more conservative investment approach," the firm states in its brochure.
Protection Point Advisors
Protection Point Advisors, a fee-based firm, is the No. 3 practice on our list. Protection Point Advisors works mostly with individuals who do not have a high net worth but has a sizable client base of high net worth individuals, as well. The firm, which does not require an account minimum, also offers services to pension and profit-sharing plans, as well as insurance companies.
Protection Point Advisors has two chartered life underwriters (CLUs) on staff, one of whom is also a chartered financial counselor (ChFC) and certified financial planner (CFP). Representatives of Protection Point Advisors accept compensation for the sale of insurance, creating a potential conflict of interest. Although the firm is fee-based, it is a fiduciary and must act in clients' best interests.
Protection Point Advisors Background
Founded in 2017, the firm is registered with the SEC as EWG Elevate Inc., but conducts business as Protection Point Advisors. Richard Lee Watson is the firm's founder, CEO and principal owner. He has nearly 30 years of experience working in the financial services industry.
Protection Point Advisors offers an array of services, including investment management and planning, tax planning, financial mentoring for families, estate planning and more.
Protection Point Advisors Investment Strategy
Protection Point Advisors builds and manages client portfolios based on their individual goals, time horizons and risk tolerance. Using Riskalyze software, the firm documents a client's risk tolerance level and assigns it a number. An advisor then uses that number to select from a variety of model portfolios.
As for strategy, the firm has a layered investment approach that uses multiple asset classes and layers of investment styles. "As part of our L.I.M. Process (Layered Investment Management), we believe in setting up multiple ways of protecting portfolios, like investment fuses," the firm states on its website.
Parkshore Wealth Management
Parkshore Wealth Management, a fee-only advisory shop, is next on our list of the top firms in Roseville. The Parkshore team includes three certified financial planners (CFPs) and two enrolled agents (EAs). Most of the individual clients at this firm do not have a high net worth. All of the institutional clients are pensions or profit-sharing plans.
Fees for portfolio management are based on a percentage of assets under management, while financial planning services are billed a la carte, either per hour or at a fixed rate. There is no minimum account size but there is a minimum fee of $3,750 annually.
Parkshore Wealth Management Background
Parkshore was founded in 2008. It is principally owned by Harold C. Anderson, who also serves as an advisor.
The firm’s services include portfolio management, tax preparation, financial planning, insurance analysis, estate plan reviews, portfolio analysis and 401(k) reviews.
Parkshore Wealth Management Investment Strategy
Passive investment strategies are a part of the plan at Parkshore. This means investing in index funds that track a market index. Asset allocation is also a key point, as the firm looks to keep clients’ portfolios diverse to protect against volatility.
"Traditional investment managers strive to beat the market by taking advantage of pricing 'mistakes' and attempting to predict the future," the firm states in its brochure. "Too often, this proves costly and futile. Predictions go awry and managers miss the strong returns that markets provide by holding the wrong stocks at the wrong time."
Empyrion Wealth Management
Empyrion Wealth Management is a fee-only practice ranked fourth among Roseville advisory firms. Empyrion imposes a $1 million minimum account size for portfolio management — that's tied for the largest minimum on this list — but other services may carry different minimums. The firm's only advisor on staff is a certified financial planner (CFP) and chartered private wealth advisor (CPWA).
All of the clients at the firm are individuals, with no institutional accounts. More than half of the clients are high-net-worth investors. Fees for asset management are based on a percentage of assets under management, while fees for financial planning and consulting tend to be fixed.
Empyrion Wealth Management Background
Kimberly Foss founded in Empyrion Wealth Management in 1989 and remains the sole principal owner of the firm. She is also the author of a book on wealth building.
The firm offers a variety of services, including portfolio management, financial planning, estate analysis, education expenses and planning, tax strategies, rental analysis and retirement plan design. The firm also offers an online platform called EWM Digital, which allows clients to set goals, track their investments and cash flow and monitor their financial progress.
Empyrion Wealth Management Investment Strategy
Asset allocation analysis is a key part of the investment strategy at Empyrion Wealth Management. The firm looks to balance a client’s investments in securities, fixed income and cash, based on the client’s own goals and risk tolerance. Long-term purchases are the preference of the firm, especially when it is believed that a security is undervalued and could show growth for the client.
We Alliance Wealth Advisors, Inc.
We Alliance Wealth Advisors is a fee-based firm with one certified financial planner (CFP) on staff. Clients at this firm are all individuals, with more than 75% of them falling short of the high-net-worth threshold. The firm's minimum account size requirement is $500,000.
We Alliance has a wrap fee program that imposes one single fee based on a percentage of assets under management and covers both portfolio management and brokerage costs. Financial planning services are based on an hourly rate or a negotiated fixed rate.
Certain on-staff advisors at We Alliance can receive commissions for insurance sales. Although this induces a potential conflict of interest, the firm is legally bound to act in clients' best interests.
We Alliance Wealth Advisors Background
We Alliance Wealth Advisors was founded in 1992 by Terry Dean Wheeler, who remains its owner.
The firm offers asset management, financial planning, retirement planning, insurance protective services, estate planning, tax planning, education planning, business planning and Roth conversion strategies.
We Alliance Wealth Advisors Investment Strategy
Portfolios created by We Alliance Wealth Advisors range from extremely conservative to moderately aggressive. There are two driving principles for the advisors when building client portfolios. First, they gravitate toward investments that produce income for clients. Second, they use strategies that give solid downside protection when investing in the stock market.
Up Capital Management, Inc.
Up Capital Management, next on our list, is a fee-based firm with some advisors here earn commissions for selling insurance products. This is a potential conflict of interest, but the firm's fiduciary duty legally requires it to act in clients' best interests.
All clients of the firm are individuals, with roughly two-thirds of them falling short of the high-net-worth threshold. There is no institutional money at the firm. Meanwhile, a small team of advisors works at Up Capital Management, including one certified financial planner (CFP) and one accredited retirement plan consultant (ARPC).
The minimum account size at Up Capital is $100,000. Fees for asset management are based on a percentage of assets under management. Fees for financial planning are fixed and negotiable.
Up Capital Management Background
Up Capital Management was founded in 2012. It is wholly-owned by Anton J. Bayer, who also serves as a financial advisor with over three decades worth of experience in the business.
The services offered by the firm include asset management, financial planning, consulting and retirement planning.
Up Capital Management Investment Strategy
Up Capital Management doesn't recommend just one type of security to clients. It looks to build diverse portfolios made up of various products, all of which help clients work toward their ultimate financial goals.
There are four investment models at the firm: current income, income with moderate growth, moderate growth and growth. Up Capital Management doesn't typically try to time the market, but it may increase cash holdings when deemed necessary.
Grecu Capital Management
Grecu Capital Management is a fee-only firm with the largest minimum account size on our list: $1 million. As a result, the firm works with more high-net-worth individuals than clients without a high net worth. Grecu Capital Management also serves pension and profit-sharing plans and one charitable organization.
The firm has an advisor on staff who holds both the chartered financial advisor (CFA) and certified financial planner (CFP) designations.
Fees for asset management are based on a percentage of assets under management (AUM), while financial planning is provided through a retainer fee. No person at the firm earns money from the sale of securities or insurance.
Grecu Capital Management Background
Grecu Capital Management was founded in 2002. Jerrold A. Grecu is the firm's sole owner.
Services offered to clients include asset management, financial planning, taxation advice, insurance advice and trust services.
Grecu Capital Management Investment Strategy
Grecu Capital Management's on-staff advisors use Modern Portfolio Theory to come up with client investment mixes, meaning it looks to maximize value for a given risk level. The majority of the firm's AUM is held in ETFs and mutual funds.
The firm uses various methods of analysis to pick investments, including fundamental, charting, technical and cyclical analysis. Grecu Capital Management also relies on financial news, inspections of corporate activities, research materials, corporate rating services, annual reports and other resources when conducting research.
Pinnacle Asset Management, Inc.
Pinnacle Asset Management, which has the second largest client base of any firm on our list, rounds out our Roseville rankings. This fee-based firm works primarily with individuals who do not have a high-net-worth but also has high-net-worth clients on the books. Pinnacle requires clients maintain a $100,000 minimum account size.
The firm has one certified financial planner (CFP), a chartered financial consultant (ChFC), a certified fund specialist (CFS) and an accredited investment fiduciary (AIF) on staff. (Advisors may hold more than one designation.)
Because Pinnacle advisors may earn commissions on certain transactions, the firm is considered fee-based. While commission-based compensation can lead to a conflict of interest, Pinnacle has a fiduciary duty to act in its clients' best interests.
Pinnacle Asset Management Background
Pinnacle, which has been in business since 2013, is owned by Kenyon and Melissa Lederer. Kenyon Lederer also serves as president of the firm and one of its investment advisor representatives. He holds the CFP, ChFC and CFS designations.
The firm specializes in asset management, financial planning and consulting. Pinnacle can work with clients on a variety of financial topics, including investment planning, retirement planning, real estate analysis, education planning, mortgage/debt analysis, estate planning, charitable planning and more.
Pinnacle Asset Management Investment Strategy
Pinnacle designs individual portfolios to meet the specialized needs of its clients. The firm generally creates portfolios using individual stocks and bonds, ETFs, mutual funds, options, as well as other public and private securities. Once a portfolio is designed, the firm reviews it at least quarterly and rebalances when appropriate.
Pinnacle uses a variety of analyses to select securities, including fundamental analysis, technical analysis and third-party money manager analysis. The firm may also use short-term purchases (buying securities and holding them less than a year) and long-term purchases (holding securities for over a year), as well as real estate investment trusts (REITs) and other alternative investments like business development pools and hedge funds.