Finding a Top Financial Advisor Firm in San Ramon, California
There are many differences between financial advisor firms, so it’s important to know the details before choosing one. San Ramon, California is home to many firms, so SmartAsset’s experts researched them to bring you this list of the top financial advisor firms in the city. SmartAsset’s financial advisor matching tool can personalize your financial advisor search.
|Rank||Financial Advisor||Assets Managed||Minimum Assets||Financial Services||More Information|
|1||Intersect Capital, LLC Find an Advisor||$ 974,436,656||$1,000,000|| || |
|2||Goldstein Munger + Associates Find an Advisor||$ 691,947,874||$15,000 minimum annual fee|| || |
Minimum Assets$15,000 minimum annual fee
|3||Insight Wealth Strategies, LLC Find an Advisor||$ 676,405,376||No set account minimum|| || |
Minimum AssetsNo set account minimum
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|4||The Pacific Center for Financial Services Find an Advisor||$ 648,266,672||$50,000|| || |
|5||Consilium Wealth Management Find an Advisor||$ 545,617,487||$10,000,000|| || |
|6||American Investors Co Find an Advisor||$ 408,701,428||No set account minimum|| || |
Minimum AssetsNo set account minimum
|7||Insight Capital Management, LLC Find an Advisor||$ 183,262,323||No set account minimum|| || |
Minimum AssetsNo set account minimum
|8||Certified Planners, Inc. Find an Advisor||$ 158,111,786||$400,000|| || |
|9||Prosperity Financial Group, Inc. Find an Advisor||$ 152,349,747||$100,000|| || |
|10||Cannon Beach Financial Advisors Find an Advisor||$ 142,492,426||No set account minimum|| || |
Minimum AssetsNo set account minimum
How We Found the Top Financial Advisor Firms in San Ramon, California
We considered only San Ramon firms that are registered with the SEC for this list. This is because SEC-registered firms must abide by their fiduciary duty. Next, we removed any firms that didn’t offer financial planning services, didn’t manage individual accounts or had disclosures on their Form ADV. The remaining firms are listed below, ordered from those with the most assets under management (AUM) to the least.
All information is accurate as of the writing of this article.
Intersect Capital, LLC
With roughly $974 million in assets under management (AUM), Intersect Capital, LLC comes in as the top entry on our list. The firm’s seven-person advisory team has the most certified financial planners (CFPs) of any firm on this list, with three CFPs on staff. There’s one certified public accountant (CPA) on staff here, too.
In order to open an account with Intersect, you’ll need at least $1 million in investable assets. However, the firm states in its Form ADV that it will consider waiving this requirement under certain circumstances. It appears to use this discretion somewhat often, as non-high-net-worth individuals outnumber high-net-worth individuals within its individual client base.
Intersect Capital Background
Intersect Capital has been in business for over two decades, having opened for business in 1997. Joseph McLean and David Shiell act as the firm’s managing directors, and Chief Compliance Officer (CCO) Devin Blodgett rounds out its leadership team. Shiell, McLean and independent accounting and business consulting firm Armanino, LLP own Intersect.
Financial planning and investment management are integral parts of this firm’s services. These include:
- Retirement planning
- Tax planning
- Estate planning
- Risk management
- Wealth management
- Discretionary and non-discretionary portfolio management
- Asset allocation planning
Intersect Capital Investing Strategy
When working with a client for the first time, Intersect Capital looks to identify the different elements that will eventually affect how they will invest. In short, this involves going over your risk tolerance, investing goals, liquidity needs and time horizon. Based on these considerations, your advisor will formulate an asset allocation that can both help you reach your goals and meet your long-term income requirements.
Goldstein Munger + Associates
Despite having just under 100 individual clients to its name, Goldstein Munger + Associates has $692 million in assets under management (AUM). The fee-only firm primarily serves high-net-worth individuals, but also works with institutions, like retirement plans, charitable organizations and businesses.
Rather than impose a standard minimum investment, Goldstein Munger has chosen to institute a $15,000 minimum annual fee. This requirement could make the firm’s services cost-prohibitive for clients with less to invest.
Goldstein Munger + Associates Background
Goldstein Munger + Associates can trace its history as far back as 1979 when Richard Goldstein founded R. M. Goldstein Accountancy Corporation. The firm changed to its current name in 1995. With this change, Robert Munger joined Goldstein as a principal owner of the firm. Goldstein is a certified public accountant (CPA) and a certified investment management analyst (CIMA); Munger is also a CPA, as well as a certified financial planner (CFP) and a personal financial specialist (PFS).
Clients of this firm can choose from services like investment management and financial consulting. Although these are typically offered together, you can choose to receive consulting as a stand-alone service.
Goldstein Munger + Associates Investing Strategy
For the most part, Goldstein Munger tends to invest client portfolios in low-cost mutual funds and exchange-traded funds (ETFs). While many of these securities implement passive investing philosophies, the firm may decide to use active funds if it believes they can outperform the index.
Goldstein Munger also states that it may use individual securities like equities and bonds should your risk tolerance and other factors call for it. The firm will only implement this strategy if it believes that the addition of an individual investment will either improve your overall returns or shrink your overall risk level.
Insight Wealth Strategies, LLC
The 18-advisor team staff at Insight Wealth Strategies, LLC is the second largest on this list. They include four certified financial planners (CFPs). Altogether, the firm has $498 million in client assets under its management.
Individuals and high-net-worth individuals make up the entire client base at Insight Wealth Strategies. There is no minimum account size at this firm.
Certain employees here can earn commissions when they sell insurance products or securities. This is a potential conflict of interest, but the fee-based firm has a fiduciary duty to put clients' interests first.
Insight Wealth Strategies Background
Although Insight Wealth Strategies became a registered investment advisor (RIA) in 2018, it has been in business since 2002. Over the years, the firm expanded beyond San Ramon to other cities in California and Texas. CEO David Chazin owns the firm.
There are no shortage of advisory services at this firm. Its primary offerings include long- and short-term financial planning, retirement planning, investment management, 401(k) rollovers, long-term care planning, tax minimization and life insurance planning.
Insight Wealth Strategies Investing Strategy
Insight Wealth Strategies invests client assets in individual stocks and bonds, options, mutual funds and exchange-traded funds (ETFs). What percentage each of these securities will occupy within your portfolio will vary based on multiple factors. These could range from your personal tax standing to your risk tolerance, time horizon and liquidity needs.
Once your money is invested, Insight’s team will continuously monitor how your investments are performing. Should your asset allocation shift considerably from its target, the firm will rebalance your portfolio.
The Pacific Center for Financial Services
The Pacific Center for Financial Services (PCFS) has more than $648 million in client assets under management (AUM). The staff here holds two advisory certifications: one certified financial planner (CFP) and one accredited investment fiduciary (AIF).
About 80% of this firm’s individual client base is comprised of individuals who do not have high net worths. PCFS also works with high-net-worth individuals and retirement plans. It requires a minimum initial investment of $50,000.
PCFS’ fee-based designation means that the firm has some advisors that sell insurance and securities for a commission or fee. Despite this potential conflict of interest, the firm has a legally binding fiduciary duty to act in clients’ best interests.
The Pacific Center for Financial Services Background
Stephen Schliesser formed PCFS in 1997 after spending 12 years working in the financial services industry. Schliesser remains the firm’s president, CEO and owner to this day.
PCFS offers three distinct types of services: investment management, financial planning and insurance. Some specific services include retirement planning, tax planning, long-term care insurance planning, security recommendations, estate planning and college savings planning.
The Pacific Center for Financial Services Investing Strategy
At its core, this firm’s overarching investment strategy can be described as a long-term, diversified approach. It typically invests in no-load and load-waived mutual funds and exchange-traded funds (ETFs), as they’re inherently diversified. The firm may select stocks and bonds as well.
The firm has a number of model portfolios, which it may recommend if your personal investor characteristics align well with one. Regardless of whether your allocation is original or based on a model, your advisor will monitor and rebalance your investments over time.
Consilium Wealth Management
With the highest minimum account size on the list, Consilium Wealth Management requires new clients to have at least $10 million in investable assets. As a result, the firm works mostly with high-net-worth individuals, though some non-high-net-worth individuals have accounts as well.
Consilium is a fee-only firm with $546 million in assets under management (AUM). The team has three advisors; the practice does not provide information about them on its website.
Consilium Wealth Management Background
Firm president John Seo founded Consilium Wealth Management in 2010. Today, he remains the firm’s principal owner. Seo's experience in financial services stretches over two decades.
The services at this firm can be divided into three pillars: portfolio management, financial planning and outside advisor selection.
Consilium Wealth Management Investing Strategy
Consilium Wealth Management believes there should be a strong correlation between your investment portfolio and your overall financial plans. To make this relationship a reality, the firm will create each of these plans concurrently so as to best align them with your risk tolerance, time horizon, liquidity needs and investment goals. It will also account for your tax situation to keep your portfolio as tax-efficient as possible.
American Investors Co
Insight Capital Management, LLC
Insight Capital Management, LLC has $183 million in assets under management (AUM) with an advisory staff of three. The team includes a broker and a licensed insurance agent.
The fee-based firm has 322 clients, all of whom are non-high-net-worth individuals. However, the firm does state in its Form ADV that it can also handle the needs of estates, trusts, businesses, charitable organizations, foundations and pension and profit-sharing plans. The firm doesn’t impose an account minimum.
Insight Capital does not have a website.
Insight Capital Management Background
David Rice is the principal owner of Insight Capital Management, and chief operations officer (COO) Denise Tracy holds a minority stake. The firm was founded in 2016 by Rice, but it achieved status as a registered investment advisor (RIA) in 2017.
Investment supervisory is the hallmark service of Insight Capital. If you work with the firm, it will create an asset allocation and investment strategy based on your personal needs and offer investing advice.
Insight Capital Management Investing Strategy
Insight Capital Management can provide advice on securities including stocks, bonds, warrants, certificates of deposit (CDs), mutual funds, futures contracts, commodities, commercial paper, variable insurance products, structured notes and more.
While none of the investments above are particularly unique, the firm’s offer to take client-based security restrictions into account is relatively uncommon among advisory firms. When you and your advisor are digging into your risk tolerance, time horizon and other important factors, you’ll be given time to talk about what securities you don’t want to invest in.
Certified Planners, Inc.
Certified Planners, Inc. stands out on this list for being an all-female firm. President A. Mari Miller is the primary owner, while VP Angie Kangas has a small stake. The two women make up the advisory team.
The firm primarily serves individuals who do not have high net worths. It requires a minimum investment account size of $400,000, though it may waive this amount at its discretion. It also allows for what it calls account accomodation clients who are related to clients or employees and have lower account requirements and/or fees.
Certified Planners Background
Though founded in 1987, Miller didn't become a shareholder until 1995. Kangas and she each own their stakes through revocable trusts.
The firm offers investment management services on a discretionary or non-discretionary basis. It also provides a financial plan to first-year clients and offers them to non-investment management clients. Updates are available upon request.
Certified Planners Investing Strategy
The firm designs asset allocation based on client circumstances and goals. It monitors porfolios daily and takes a tactical approach when rebalancing them. When evaluating securities, the advisory applies fundamental and cyclical methods of analysis.
According to recent SEC data, assets under Certified Planners' management were invested primarily in securities issued by registered investment companies (such as mutual funds) or business development companies (62%), exchange-traded equity securities (29%), cash and cash equivalents (5%), variable annuities (3%) and state and local bonds (1%).
Prosperity Financial Group, Inc.
Prosperity Financial Group, Inc.'s client base is currently comprised mostly of non-high-net-worth individuals. On the advisor team, you’ll find four accredited asset management specialists (AAMSes). The minimum account size here is $100,000.
As a fee-based firm, some Prosperity Financial Group’s advisory employees are brokers and insurance agents. These dual or multiple roles have the potential to be a conflict of interest. That said, the firm is legally bound as a fiduciary to put its clients' interests first.
Prosperity Financial Group Background
Prosperity Financial Group first opened in 1993, and it became a registered investment advisor (RIA) in 2010. Principal Elliot Kallen founded the firm, and he now co-owns it with principal Charles Ballweg.
The asset management services at this firm involve investment planning and regular portfolio supervision. It also offers financial planning services, with advisors offering retirement planning, estate planning, education fund planning, charitable gift planning and more.
Prosperity Financial Group Investing Strategy
Prosperity Financial Group is heavily focused on the in-depth monitoring of the investment portfolios it creates. It does this for many reasons, but the most important is that it wants to keep your original asset allocation intact. Should your investor profile change, though, a rebalancing may be necessary to bring your portfolio up to date.
Cannon Beach Financial Advisors
There are two advisors working at Cannon Beach Financial Advisors. One is a certified financial planner (CFP) and one is an MBA. This fee-only firm manages $142 million in client assets.
Although this firm does not enforce a minimum account size, the client base is nearly evenly split between individuals who do and don't have high net worths. Cannon Beach also works with small businesses and retirement plans.
Cannon Beach Financial Advisors Background
Principals Junmin Chang and Gregory Rogers each own part of Cannon Beach Financial Advisors; Chang founded the firm in 2006. This duo has a combined 43 years of experience working in investment management and other financial services.
Cannon Beach has a wide range of services for clients. These primarily include individual portfolio management, consulting and financial planning, with more specific services including:
- Custom, goal-based and tax efficient investing
- Cash flow planning and analysis
- Tax planning
- Risk management
- Retirement income planning
- Small business opportunities
- Emergency fund planning
- Wealth transfer
- Beneficiary designation review
Cannon Beach Financial Advisors Investing Strategy
Cannon Beach’s primary concern when working with a new client is building an appropriate asset allocation for your needs. To do this well, the firm will work with you to figure out your time horizon, tolerance for risk, income needs and investment objectives. The firm uses three main categories of investments to implement these asset allocations: securities, fixed-income instruments and cash. But perhaps the most important thing to know about the firm's investment strategy is that it takes an active approach.