Finding a Top Financial Advisor Firm in San Jose, California
If you're searching for financial advisors in your area, it's easy to get overwhelmed by the number of options. To make the search easier, SmartAsset created this list of the top financial advisor firms in San Jose, California. Reference the tables and reviews below to find out each firm’s account minimum, fees, investing style and more. As an alternative, SmartAsset’s financial advisor matching tool can connect you with nearby financial advisors.
|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Werba Rubin Papier Wealth Management, LLC Find an Advisor||$642,037,802||$500,000|| || |
|2||Silicon Valley Capital Partners, LP Find an Advisor||$477,181,979||No set account minimum|| || |
Minimum AssetsNo set account minimum
|3||Silicon Valley Wealth Advisors, LLC Find an Advisor||$357,744,000||$200,000|| || |
|4||BetterWealth, LLC Find an Advisor||$308,793,590||No set account minimum|| || |
Minimum AssetsNo set account minimum
|5||Clarity Wealth Advisors Find an Advisor||$287,275,444||$500,000|| || |
|6||Wealth Design, LLC Find an Advisor||$267,079,234||$1,000,000|| || |
|7||Hayes Financial, Inc. Find an Advisor||$228,522,226||No set account minimum|| || |
Minimum AssetsNo set account minimum
|8||C-J Advisory, Inc. Find an Advisor||$220,338,431||$25,000|| || |
|9||Concentrum Wealth Management Find an Advisor||$211,694,842||No set account minimum|| || |
Minimum AssetsNo set account minimum
|10||TTP Investments, Inc. Find an Advisor||$208,755,630||No set account minimum|| || |
Minimum AssetsNo set account minimum
How We Found the Top Financial Advisor Firms in San Jose, California
San Jose, California financial advisor firms that are registered with the U.S. Securities and Exchange Commission (SEC) were the only firms given the opportunity to appear on this list. All SEC-registered firms are fiduciaries, which means they’re bound by fiduciary duty to act in clients’ best interests at all times. Any firms that didn’t have financial planners on staff, didn’t manage individual accounts or had disciplinary issues on record were taken out of contention. The remaining firms are listed below in order of the most assets under management (AUM) to the least. All information is accurate as of the writing of this article.
Werba Rubin Papier Wealth Management, LLC
Werba Rubin Papier Wealth Management, LLC is a fee-only financial advisor firm that works with high-net-worth and non-high-net-worth individuals and families, as well as pooled investment vehicles. The firm has two certified financial planners (CFPs) and one certified public accountant (CPA) on staff.
To open an account with this firm, you will need to have a minimum of $500,000 in investable assets, though this requirement is waivable. The majority of the individuals and families the firm serves have a high net worth.
Werba Rubin Papier Wealth Management also offers supplementary market content, such as newsletters and educational workshops. These are designed to enhance your investing knowledge to give you greater control over your finances.
Werba Rubin Papier Wealth Management, LLC Background
This firm was founded in 2006. However, because of multiple name changes over the years, it has been named Werba Rubin Papier Wealth Management, LLC since just 2017. The firm is independently owned by managing members Alan Werba, Aaron Rubin and Jason Papier.
Services available include investment consulting, tax planning, income/asset protection, retirement and estate planning, education cost planning, trust creation, philanthropic giving and business succession planning.
Werba Rubin Papier Wealth Management, LLC Client Experience
Werba Rubin Papier Wealth Management, LLC goes through a clear-cut procedure to ensure your account is optimized to your needs and desires. This process begins with a discovery meeting, during which the firm learns your priorities and your risk tolerance. Once the aforementioned factors are established, an investment plan is created and presented to you at a personal meeting.
Before moving forward, your advisor will make sure to explain your plan in detail and give you the option to agree to it. If you do, the plan is implemented and a 45-day check-up meeting is scheduled. The firm consistently reviews your portfolio’s performance and makes changes if necessary.
Silicon Valley Capital Partners, LP
Silicon Valley Capital Partners, LP has one of the simplest fee structures on this list, as its fees are solely charged as a percentage of clients' assets under management (AUM). The firm does not require a set account minimum. However, approximately two-thirds of the firm’s clients are high-net-worth individuals. Non-high-net-worth individuals, businesses, retirement plans and trusts make up the rest of the firm’s client base.
This fee-only firm is known for its all-encompassing takes on topics like risk tolerance, investment research and financial planning. It claims to take an extremely holistic and lifestyle-based approach, as it believes this will provide the most complete picture of a client’s financial life.
Silicon Valley Capital Partners, LP Background
Christopher Combs, portfolio strategy officer, founded Silicon Valley Capital Partners, LP in 2003. He is still the sole owner of the firm. Combs has around 35 years of experience in the financial services industry.
Clients who join this firm can take advantage of many different types of financial management. This includes:
- Business planning
- Cash-flow forecasting
- Asset allocation
- Retirement planning
- Estate planning
- Financial reporting
- Investment consulting
- Insurance needs analysis
- Retirement plan analysis
- Charitable giving
- Risk management
- Distribution planning
Silicon Valley Capital Partners, LP Investment Research
Silicon Valley Capital Partners, LP has built its own research platform called Where Are We Now® to help manage risk for its clients. The firm’s tools take into account the typical past performance of an investment, while also projecting how the investment and related market areas will likely perform in the future.
The firm typically uses exchange-traded funds (ETFs), mutual funds, stocks, individual bonds, CDs and bond ETFs. How your assets are allocated between these various investment types is completely determined by your specified liquidity needs, risk tolerance and time horizon.
Silicon Valley Wealth Advisors, LLC
The client base of Silicon Valley Wealth Advisors, LLC primarily consists of non-high-net-worth and high-net-worth individuals, as well as a small number of pension and profit-sharing plans. The fee-only firm generally requires clients to have at least $200,000 in investable assets. That’s one of the lower minimums on this list.
Silicon Valley Wealth Advisors lists very specifically the types of clients that it is best equipped to serve. This list consists of experienced professionals, parents of children who will need college funding, those nearing retirement, anyone giving financial support to aging parents and divorcees and widows.
A socially responsible investing (SRI) focus is available through this firm. In turn, it uses environmental, social and governmental (ESG) factors to make certain investment decisions. There are three certified financial planners (CFPs) on staff.
Silicon Valley Wealth Advisors, LLC Background
Silicon Valley Wealth Advisors, LLC was founded in 1991 as Weil Capital Management. Its name changed to Lasecke Weil Wealth Advisory Group, LLC in 2005, and then to its current name in 2013. The firm is owned by Lasecke Enterprises, LLC, which is owned by the firm's managing partner Tracy Lasecke, as well as Chris Duke and Scott Ponder, two senior wealth managers at the firm. The firm’s advisory team has accrued an average of more than 13 years of experience in asset management.
Financial planning, retirement plan creation and portfolio management are the three foundations of this firm’s services. These offerings may include:
- Cash flow management
- Estate planning
- Insurance review
- Tax minimization
- College planning
- 401(k) plans for businesses
Silicon Valley Wealth Advisors, LLC Investing Strategy
Silicon Valley Wealth Advisors, LLC claims that it values avoiding a “one-size-fits-all” approach. Your advisor will work with you to identify your risk tolerance and financial goals. The firm then uses this information to form a portfolio with a specific asset allocation that fits your desires.
Exchange-traded funds (ETFs), bonds and fixed-income securities are some of the most common investments this firm uses. The firm opts for these investment types as they tend to be lower cost than many options.
BetterWealth, LLC is a fee-only financial advisor firm that has experience working with a wide range of clients. Its clients include individuals (both those with high net worths and otherwise), businesses, foundations, endowments and corporate profit-sharing plans. There is no minimum investment needed to open an account with this firm. However, its clients typically have a net worth between $1 million and $25 million.
This firm places an emphasis on educating its clients. Principal owner Scott Stauffer has experience in financial education, and the firm also offers a wealth of educational market reports. The team includes three certified financial planners (CFPs) and one accredited investment fiduciary (AIF).
BetterWealth, LLC Background
Formed in 2015, BetterWealth is one of the most recently founded financial advisor firms on this list. It was founded by Scott Stauffer, who has been in the personal finance industry for 19 years. He was previously a managing partner at another firm on this list, Wealth Design, LLC, for almost three years.
The firm offers income tax analysis, retirement forecast analysis, educational funding analysis, estate planning and insurance review available to individuals. Businesses, foundations and other organizations can also take advantage of cash flow and expense review, tax analysis, stock option planning and executive benefits review services.
BetterWealth, LLC Investing Strategy
BetterWealth claims its investment approach, which emphasizes diversification and disciplined rebalancing, is backed by academic research. The firm actively manages its portfolios and believes that clients’ risk tolerance and time horizon should be determining factors in their portfolios.
Although this firm will take into account your opinions on where your funds are invested, it typically relies on a selection of certain investments. For example, portfolios usually consist of the following investment types: domestic and international fixed income, value stocks, international stocks, small/large company stocks, real estate securities, emerging market stocks and cash equivalents.
Clarity Wealth Advisors
Clarity Wealth Advisors says that it strives to help all of its clients reach financial independence. The firm believes that through “defined investment objectives, a thoughtful plan and a well-constructed implementation strategy” it can accomplish this goal for its largely high-net-worth client base. It does have some individual clients with less than a high net worth, though.
At least $500,000 is needed to open an advisory account with this fee-based firm. There is one certified financial planner (CFP) on staff.
Advisors at this firm may earn commissions from selling certain insurance products or securities. However, fiduciary duty requires this firm and its advisors to always act in clients' best interests, no matter what.
Clarity Wealth Advisors Background
Clarity Wealth Advisors is principally owned by managing partner Parvin Manuchehri and managing director Milind Dalal. The firm has been working with clients since 2011.
Clarity Wealth Advisors offers investment management, tax minimization, retirement planning, debt planning and higher education planning. It also provides pension consulting services, which involves advising pension plan sponsors on how to choose investment options, educate their plan participants and provide consistent plan reviews.
Clarity Wealth Advisors Investing Strategy
Clarity Wealth Advisors builds client portfolios based on four different styles of investment analysis and clients’ unique objectives. The types of analysis that the firm uses include charting, technical, fundamental and cyclical analysis.
Combined, these four types of analysis will provide a snapshot of how a particular investment has performed in the past, how it’s currently performing and whether the market it’s in is projected to do well. This information is then applied within the context of your stated time horizon and risk tolerance. The firm emphasizes diversification, and it will rebalance as needed.
The firm prioritizes clear communication with its clients. As a client, you’ll receive monthly commentary and in-depth quarterly newsletters on how the market is performing and what it means for your account. If the market becomes especially turbulent at any point, you’ll receive an update on how the firm will adjust its strategy to meet the changing landscape.
Wealth Design, LLC
Wealth Design, LLC’s $1 million account minimum is one of the highest requirements on this list. However, the firm’s client base still includes plenty of non-high-net-worth individuals, perhaps because the minimum is negotiable under certain circumstances.
Managing partner Gene Ka is the sole financial advisor to every client that comes through this firm’s doors. Ka is a certified private wealth advisor (CPWA).
This fee-based firm’s advisors can earn commissions when they sell certain insurance products or securities. Despite this arrangement, the firm must always act in clients' best interests due to its inherent fiduciary duty.
Wealth Design, LLC Background
Wealth Design, LLC was created in 2001. The firm’s founder, Gene Ka, has almost 30 years of experience in financial management. He serves as the principal financial counsel for all of the firm’s clients.
The firm offers retirement planning, charitable giving, tax planning and minimization and education planning. Those who are looking for a more hands-off approach focused on wealth preservation can open a risk management account for asset, income and lifestyle protection. Wealth Design, LLC also manages goal-based accounts, which are designed to help clients achieve a specific objective.
Wealth Design, LLC Client Experience
Wealth Design, LLC uses the same portfolio creation process for all of its account types. First, you’ll be asked to talk to your advisor about what your wealth means to you and your family. Using this conversation as a starting point, you and your advisor will determine how this relates to your current financial situation and your long-term financial goals.
Once this is clear, the firm will work on creating a financial roadmap. The firm will run its financial models at this point to determine how best to use various mainstream and alternative investment strategies in your portfolio. As soon the plan has been in place for long enough to actually review, your advisor will update you on how attainable your goals appear to be.
Hayes Financial, Inc.
Hayes Financial, Inc., a fee-only firm, has a client base that's comprised almost entirely of individuals. In fact, of its almost 200 clients, all but eight are either a high-net-worth individual or a non-high-net-worth individual. Outside of these groups, retirement plans round of the firm's client base. There is no minimum initial investment for new clients.
Investment services are central to what Hayes Financial can offer its clients. The firm utilizes a seven-step process to create an investment plan for these clients. In addition, the firm has a selection of financial planning services that clients can take advantage of.
Hayes Financial, Inc. Background
Hayes Financial was founded in just 2017 by firm president Zachary D. Hayes, who has over 20 year of experience in the financial services industry. Zachary Hayes is still the sole owner of the firm today.
The staff of advisors at this firm does not hold any advisory certifications, such as certified financial planner (CFP).
Hayes Financial, Inc. Client Experience
At the dawn of every client relationship, Hayes Financial works to understand its clients specific needs. This involves reviewing their current financial situation, such as their budget, liquidity expectations and income levels. Once the firm feels as though it understands your needs, it will create an asset allocation for your investable assets.
The firm is a major believer in the award-winning Modern Portfolio Theory (MPT). This investing philosophy states that portfolios can have their returns maximized for a specific risk tolerance level. When it comes to specific securities that are used, the firm tends to invest in stocks, bonds and exchange-traded funds (ETFs).
C-J Advisory, Inc.
C-J Advisory, Inc. says that its ideal client is committed, patient, responsive and open-minded. The firm's account minimum is set at $25,000, though this is waivable. The majority of the firm's clients are individual investors who do not have a high net worth, though it also serves some high-net-worth individuals, pension and profit-sharing plans, trusts, estates and charitable organizations.
The fee-only firm has two accredited investment fiduciaries (AIFs) and one certified financial planner (CFP) on staff.
C-J Advisory, Inc. Background
Kevin Van Dyke, an unaffiliated individual, currently owns 100% percent of C-J Advisory, Inc. Senior vice president Kyle Thompson runs the firm on a day-to-day basis. Established in 1980, this is one of the oldest firms on this list.
The firm offers both consultations and advisory relationships. Its services include:
- Financial objective determination
- Retirement planning
- Tax planning
- Cash flow management
- Estate planning
- Insurance analysis
C-J Advisory, Inc. Investing Strategy
C-J Advisory, Inc. believes that in order to achieve your financial goals, it’s important to first take an all-encompassing look at your financial life. To get a clear picture of your finances, this firm requires clients to fill out a detailed cash flow statement. This informs your advisor of how you spend your money, and it also identifies your liquidity needs, which influence how your money will be invested.
C-J Advisory primarily invests its clients’ assets in exchange-traded funds (ETFs) and passively managed index funds. However, actively managed funds, which have grown in popularity in recent years, are also part of the firm’s overall investment strategy. Actively managed funds are used to supplement the aforementioned investments and are diversified across global markets to minimize risk.
Concentrum Wealth Management
Concentrum Wealth Management does not require a minimum account size. It primarily serves non-high-net-worth individuals, though its client base also includes high-net-worth individuals, pension and profit-sharing plans, trusts, estates and various types of businesses. The firm has three certified financial planners (CFPs) on staff.
This firm’s advisors may earn commissions from selling certain insurance policies and securities. But because this firm is a fiduciary, it must always act in your best interest, no matter what.
Concentrum Wealth Management Background
Managing partners and brothers Jeffery and Jay Fong founded Concentrum Wealth Management in 2013. The duo have spent a combined 40 years in the financial services industry.
The firm most commonly serves individuals and businesses, and its services reflect that. For individuals, the firm offers retirement planning, estate planning, college planning, tax mitigation, insurance analysis, charitable giving planning and debt and mortgage evaluation services. For businesses and corporations, the firm offers tax planning, investment planning and general financial planning.
While this firm offers many traditional advisory services, what it’s really known for its its program called Radius. This program was developed for investors who essentially already oversee their own assets, but simply need some help investing. Radius clients have access to the platform that the firm uses to build portfolios. They don’t pay any transaction, rebalancing or trade fees, and there’s no minimum required to take advantage of tax-loss harvesting.
Concentrum Wealth Management Investing Strategy
Concentrum Wealth Management focuses on mid- to long-term investing, as it thinks these strategies will most effectively drive portfolio growth.
The firm typically invests its clients’ assets in exchange-traded funds (ETFs) and other index funds, exchange-traded notes (ETNs), securities and mutual funds. These investment types reflect the firm’s emphasis on diversification, which the firm believes is crucial for long-term accounts.
TTP Investments, Inc.
TTP Investments, Inc. rounds out this list. The firm does not have any minimum investment requirements for new clients. In turn, its client base features a nearly even split between individuals above and below the high-net-worth threshold. The firm also works with a single charitable organization. TTP Investments is a fee-only firm.
TTP offers a selection of asset management services that include helping clients invest their money through a series of different portfolio strategies developed by the firm. Its financial planning offerings can cover topics like retirement, charitable giving, education, debt analysis, tax planning and more.
TTP Investments, Inc. Background
TTP Investments is a relatively young firm, as it was first established in just 2016. The firm is under the ownership of its CEO and founder, Harris Willner. Willner holds an MBA in financial planning from Golden Gate University.
The firm's advisory staff does not hold any certifications, such as certified financial planner (CFP) or chartered financial analyst (CFA).
TTP Investments, Inc. Investment Strategy
TTP Investments has four main investment strategies that it uses to invest clients' assets. They are each based on a specific risk tolerance profile, with options ranging from conservative to aggressive. Here's a breakdown of each:
- Conservative Risk Tolerance: This strategy is meant for clients who want more liquidity than what's available through a savings account at a bank, but want better returns than what a bank can offer. Therefore, these portfolio are based heavily on bonds.
- Balanced Risk Tolerance: This is designed for risk-averse clients who are either in retirement or approaching it. The portfolio aims to provide income too, so it incorporates dividend-paying domestic equities and corporate bonds.
- Growth Risk Tolerance: This strategy is intended for clients who are still a few years off of retirement. For starters, the firm will review various market sectors and buy into four or five. Then, depending on how these sectors perform, the firm will review your portfolio and make as many changes as is necessary.
- Aggressive Risk Tolerance: In most cases, this strategy is reserved for accredited investors who can handle a substantial amount of risk. The firm will make sure only a small portion of your overall assets are being used for this type of strategy.