Fee-only adviser · Aptos, CA
Financial Planning Associates
Financial Planning Associates is a fee-only investment adviser registered with the securities regulator of California, with its main office in Aptos, California. On its latest Form ADV, filed February 20, 2026, it reports 120 individual clients and 1 employee who gives investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | State-registered: California |
|---|---|
| Firm CRD number | 317454 |
| Office | 335 Spreckels Drive Suite a Aptos, CA 95003 |
| Phone | (831) 685-8611 |
| Website | Not listed |
| Regulatory assets under management | Not reported |
| Individual clients | 90 non-high-net-worth, 30 high-net-worth |
| Financial planning clients | 51-100 |
| How it charges | Hourly, Other |
| Services | Financial planning, Selection of other advisers |
| Employees | 2 |
| Disciplinary disclosures | Yes, see SEC record |
| Latest Form ADV filing | February 20, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It reports disciplinary history on Form ADV. Read the disclosure details on its SEC record before you engage it.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
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