Progress Wealth ManagementIndependent Financial Education

Financial advisors · California

Fee-only financial advisors in San Jose, CA

From SEC and state Form ADV filingsUpdated 2026-11-07

25 fee-only investment advisers have offices in San Jose, California, according to their Form ADV filings with the SEC and state regulators. 16 offer hourly or flat-fee arrangements, 8 charge only a percentage of the assets they manage, and 18 provide financial planning. 14 are SEC-registered, which generally means at least $100 million under management; the rest are smaller state-registered practices. 1 firm reports disciplinary history and is listed last.

Data from Form ADV filings as of November 6, 2026. Listings are factual and unpaid. Default order puts firms offering financial planning first and high-volume platforms after advice practices; how ordering works.

Paid partly in stock? San Jose is home to large offices of Apple, Google, Intel, Netflix. Before you meet an adviser, read our plain-English guides to Apple, Google, Intel, Netflix, and run your numbers in the RSU tax calculator and the vesting schedule calculator. Ask each firm how many clients it advises on RSUs, ESPPs and concentrated stock, and how it charges for that work.

Showing 25 of 25

Potentia Wealth

1226 Lincoln Ave Suite 200, San Jose, CA 95125 · (408) 288-7886

  • Percentage of assets
  • Fixed fee
  • Financial planning
Assets managed
$569M
Individual clients
722
Advisory staff
7
Registered with
SEC

Profile · Website · SEC record

Betterwealth LLC

1475 Saratoga Avenue Suite 200, San Jose, CA 95129 · (408) 659-2390

  • Percentage of assets
  • Financial planning
Assets managed
$660M
Individual clients
373
Advisory staff
5
Registered with
SEC

Profile · Website · SEC record

Kera Capital Partners

1760 the Alameda, San Jose, CA 95126 · (408) 668-2201

  • Percentage of assets
  • Hourly
  • Fixed fee
  • Financial planning
Assets managed
$1.4B
Individual clients
310
Advisory staff
8
Registered with
SEC

Profile · Website · SEC record

Legacy Wealth Advisors, LLC

2001 Gateway Place Suite 600W, San Jose, CA 95110 · (408) 452-7700

  • Percentage of assets
  • Hourly
  • Fixed fee
  • Financial planning
Assets managed
$178M
Individual clients
62
Advisory staff
4
Registered with
SEC

Profile · Website · SEC record

Chief Capital Management, Inc

San Jose, CA (office address not published) · (509) 270-0506

  • Percentage of assets
  • Hourly
  • Financial planning
Assets managed
$13M
Individual clients
14
Advisory staff
1
Registered with
CA, WA

Profile · SEC record

Skysphere LLC

2880 Zanker RD Ste 203, San Jose, CA 95134 · (408) 520-0496

  • Percentage of assets
  • Hourly
  • Financial planning
Assets managed
$320K
Individual clients
Under 5
Advisory staff
1
Registered with
CA

Profile · Website · SEC record

Xoomfi Advisors

84 W Santa Clara ST Suite 700, San Jose, CA 95113 · (650) 870-1343

  • Percentage of assets
Assets managed
$300
Individual clients
3
Advisory staff
1
Registered with
SEC

Profile · Website · SEC record

Andrey, Douglas

5531 Castle Manor DR, San Jose, CA 95129 · (408) 313-0705

  • Fixed fee
Assets managed
$1.6M
Individual clients
2
Advisory staff
1
Registered with
CA

Profile · SEC record

Retirement Capital Strategies, Inc.

1190 Saratoga Ave., Suite 140, San Jose, CA 95129 · (408) 551-6100

  • Percentage of assets
  • Hourly
  • Fixed fee
  • Financial planning
Assets managed
$305M
Individual clients
261
Advisory staff
2
Registered with
SEC

Profile · Website · SEC record

Reports disciplinary history. Read the details on the SEC record before engaging.

Not sure which San Jose firm fits?

Tell us what you need. We will suggest up to three fee-only firms that fit, and with your permission introduce you. Free, no obligation.

What do you want help with?

Fee-only advisers near San Jose

Another 94 fee-only firms have offices within 30 miles.

How to choose between them

  1. Decide how you want to pay. Hourly and flat-fee planners suit people who want a plan and will implement it themselves. A percentage-of-assets fee buys ongoing investment management; on $1 million at 1% that is $10,000 a year, every year.
  2. Check the SEC record. Each listing links to the firm’s page on the SEC’s Investment Adviser Public Disclosure site, where you can read the Form ADV Part 2 brochure (fees, minimums, conflicts) and any disciplinary history.
  3. Ask who you will actually work with and what credentials they hold. The advisor versus consultant guide explains which titles are regulated and which are marketing.
  4. Ask about minimums. Form ADV Part 1 does not record account minimums, so they are not shown here. Many asset-based firms require $500,000 or more; hourly planners usually have none.
  5. Get the fee in writing before you sign, including fund expenses and any platform or custody charges on top.

Frequently asked questions

What does fee-only mean?

A fee-only adviser is paid only by its clients, through hourly charges, flat fees, subscriptions or a percentage of the assets it manages. It does not earn commissions on products it recommends. In this directory the label is applied from each firm’s own Form ADV: the firm reports no commission compensation, is not a broker-dealer or registered representative of one, does not act as an insurance agent, and reports no related broker-dealer or insurance agency.

How much does a fee-only financial adviser cost in San Jose?

Form ADV records how firms charge, not what they charge. Of the 25 firms listed here, 16 offer hourly or flat fees and 24 charge a percentage of assets. Each firm’s Form ADV Part 2 brochure, linked from its profile, gives its actual fee schedule. Nationally, asset-based fees commonly run around 1% a year on the first $1 million and fall above that.

How were these San Jose advisers selected?

Every registered investment adviser with an office in San Jose that serves individuals, offers financial planning or portfolio management, and reports no commission or insurance compensation on its Form ADV is listed. Inclusion is free and automatic; no firm pays to appear. The methodology page has the full rules.

Are these advisers fiduciaries?

Registered investment advisers owe their clients a fiduciary duty under the Investment Advisers Act of 1940 for the advice they give. Ask any firm to confirm in writing that it acts as a fiduciary at all times and for all of your accounts.