Areas served: San Francisco, CA and the greater Bay Area
San Francisco's financial advisory landscape reflects the city's unique combination of tech wealth, established finance professionals, and diverse planning needs. The concentration of high-net-worth individuals, equity compensation specialists, and retirement planners here creates a competitive market where advisors differentiate through fee models, fiduciary commitment, and specialized expertise in areas like stock options, tax-loss harvesting, and concentrated positions. This directory provides detailed comparisons of credentialed advisors across the San Francisco Bay Area.
RHS Financial is a San Francisco-based wealth management firm specializing in financial planning, investment management, tax optimization, and equity compensation strategies for tech industry professionals and high-net-worth individuals. Founded to serve Bay Area and Silicon Valley tech workers, the firm offers comprehensive services including their proprietary TREnD strategy for tax reduction and diversification, aspirational financial planning tailored to individual goals, and flexible family office advisory services. The team combines deep industry expertise with fiduciary commitment and cutting-edge technology to help clients maximize wealth while minimizing tax exposure.
Monroe Wealth Management is a fee-only financial advisory firm specializing in wealth management for tech employees and business owners in the San Francisco Bay Area. With 12+ years of experience and $70+ million in assets under management, the firm is led by CFP certified financial planners who work on a fiduciary standard with no product sales or asset minimums. They help high-income clients ($250k+) with investment management, business succession planning, equity compensation strategies, tax optimization, and home purchase planning.
Financial Zen is a fiduciary, fee-only financial planning firm founded by Rick Valenzi, specializing in helping tech professionals and high earners achieve financial independence decades earlier than traditional timelines. Beyond standard financial planning, they offer comprehensive programs including their 6-month Foundations Program to organize finances, the Mastery Program with monthly guidance through five levels toward financial independence, and optional investment management with strategic rebalancing and tax loss harvesting. The team of CFP® professionals focuses on making financial planning actionable and enjoyable, emphasizing that money is a tool to unlock freedom and life purpose rather than just wealth accumulation.
True Root Financial is an independent financial advisory firm in San Francisco specializing in comprehensive financial planning and investment management for tech professionals. Founded by Roshani Pandey, a former Wall Street advisor with 16+ years of experience at firms like Goldman Sachs and BlackRock, the firm helps busy tech professionals claim financial independence through tax-advantaged investing, equity compensation optimization (RSUs, stock options, ESPP), and holistic wealth planning. As a fiduciary with no hidden fees or commissions, True Root provides transparent, customized guidance on investments, tax planning, cashflow management, and wealth safeguarding.
Modern Family Finance is a fee-only financial advisory firm in Oakland and San Francisco specializing in tax-smart financial planning for tech professionals, self-employed individuals, women, and LGBTQ+ clients. Led by CFP-certified advisors with direct experience in tech equity compensation, the firm helps ambitious professionals design personalized financial strategies around RSUs, stock options, tax optimization, investment management, and pursuing financial independence or career flexibility. They combine fiduciary financial planning with life-centered guidance to help clients align their money with their values and goals.
Sonoma Wealth Advisors is an independent financial advisory firm serving clients in Sonoma County and the North Bay. They provide comprehensive wealth management, investment strategies, retirement planning, and personalized financial guidance tailored to individual client goals. The team focuses on building long-term relationships with clients through detailed financial planning and disciplined investment management.
Citrine Capital is a fee-only wealth management and financial planning firm based in San Francisco, specializing in serving startup founders, entrepreneurs, and tech professionals. They offer comprehensive services including investment management, retirement planning, equity compensation planning (RSUs, stock options, QSBS), tax planning and preparation, estate planning, and specialized strategies for high-net-worth individuals. Founded in 2014 by Ryan and Jirayr, the firm operates on a fiduciary basis with no proprietary products, commissions, or hidden fees, delivering personalized financial advice through a virtual platform that prioritizes client accessibility and transparent alignment of interests.
Sid Financial Services, LLC is an independent financial advisory firm based in San Mateo serving the Bay Area with comprehensive financial planning and investment management services. Led by experienced financial consultants, the firm specializes in helping individuals and families develop personalized wealth strategies, retirement planning, and investment portfolios tailored to their unique financial goals.
Babylon Wealth Management is an independent financial advisory firm located in San Francisco's Financial District, serving clients seeking personalized wealth management and financial planning. The firm provides comprehensive financial advisory services including investment management, retirement planning, and strategic wealth guidance tailored to individual client goals. Known for their client-focused approach and detailed financial strategy development.
MA Private Wealth is a boutique fiduciary wealth management firm serving high-net-worth individuals and tech professionals with $500,000+ in investments. Founded on principles of customer-centricity and simplicity, they offer customized investment management, comprehensive financial planning, and retirement strategy tailored to each client's goals and risk tolerance. With 30 years of experience and a team led by founder Marty, they prioritize transparent, personalized advice and maintain strong long-term client relationships through direct advisor access and institutional expertise.
Swad Wealth Management, founded by Zack Swad, specializes in comprehensive retirement planning and wealth management for people age 50 and older. The firm provides custom-tailored retirement plans, professionally managed investment portfolios, and ongoing financial guidance across 16 planning areas—including Social Security optimization, income strategy, tax minimization, and long-term care planning. Swad acts as a fiduciary, charges transparent advisory fees with no commissions, and offers unlimited phone/email support plus 2–4 scheduled in-person or video meetings annually, backed by a satisfaction guarantee.
Decker Retirement Planning, founded by Brian Decker, provides comprehensive retirement planning using a math-based, principle-driven approach. The firm specializes in strategic income distribution from principal-protected accounts, sophisticated tax minimization, risk reduction strategies, and portfolio optimization. As committed fiduciaries, their planners help clients develop personalized retirement strategies emphasizing financial clarity, fee-efficient management, and purpose-driven retirement planning through one-on-one consultations, educational workshops, and media engagement.
Aspiriant is an independent wealth management firm serving forward-thinking families in the San Francisco Bay Area. They offer comprehensive financial planning, investment management, and ongoing wealth execution designed to align with clients' long-term goals and life transitions. Founded with accounting expertise and tax-conscious strategies at its core, Aspiriant combines meticulous financial planning, globally diversified investment approaches, and personalized counsel from a team where approximately one-third hold ownership stakes, creating alignment between advisors and clients.
Hanke & Apolonio Wealth Advisors is an independent financial advisory firm serving San Francisco and the Bay Area. They provide comprehensive wealth management, investment management, and financial planning services tailored to individuals and families. The firm is known for personalized advisory relationships and a commitment to fiduciary principles in managing client assets.
KB Financial Advisors is an independent financial advisory firm based in San Francisco specializing in comprehensive wealth management, investment strategy, and financial planning for individuals and businesses. With deep expertise in retirement planning, tax optimization, and portfolio management, they provide personalized guidance tailored to each client's unique financial goals and circumstances.
Proprietor Wealth Management is an independent, fee-only fiduciary financial advisory firm serving the North Bay with comprehensive wealth management and financial planning services. Founded on the principle that investors deserve true fiduciary care, the firm builds long-term relationships by acting as a personal Chief Financial Officer (CFO) for clients, helping them make smart investment decisions, meet financial goals, and achieve greater peace of mind. Rather than relying on commissions or transaction-based fees, Proprietor selects investments solely on quality and merit.
Charles Schwab's San Francisco West Portal branch is a full-service investment and brokerage firm offering financial advisory services, wealth management, investment account management, and financial planning. Led by VP Branch Manager Rosalinda Tran and a team of CFP-certified and experienced financial consultants, they serve both self-directed investors and clients seeking personalized guidance. Schwab supports all wealth levels with tailored solutions, from individual investing to comprehensive financial strategy, and hosts complimentary workshops on investing, trading, and wealth management.
Marin Wealth Advisors LLC is an independent financial advisory firm based in San Rafael serving clients throughout Marin County and the North Bay. They provide comprehensive wealth management, investment management, retirement planning, and financial consulting services tailored to individual and family needs. The firm is committed to fiduciary principles and personalized financial guidance.
Emily S. Chan is a Private Wealth Advisor with Ameriprise Financial Services in San Rafael, specializing in comprehensive financial planning for individuals and families. Holding multiple advanced certifications including CFP (Certified Financial Planner), AEP (Accredited Estate Planner), and AIF (Accredited Investment Fiduciary), Emily provides expertise in wealth management, retirement planning, estate planning, investment management, and risk management. She works with high net worth clients and small business owners to develop integrated financial strategies tailored to their specific life situations.
Alpha Wealth Management and Planning is an independent financial advisory firm in Novato serving the North Bay with comprehensive wealth planning and investment management services. The team helps clients build and preserve wealth through personalized financial strategies tailored to individual goals and circumstances. They focus on delivering strategic guidance to help clients make informed decisions about their financial future.
Edward Jones financial advisor Sven Geffken, CFP®, provides personalized financial planning and investment management services to individuals and families in the Pacifica area. With CFP certification, Sven helps clients build comprehensive financial strategies tailored to their goals, whether saving for retirement, managing investments, or planning for major life events. As part of Edward Jones, a trusted national firm with local service, Sven combines one-on-one guidance with access to a full range of financial products and services.
Bessemer Trust is a privately owned, independent multi-family office providing comprehensive private wealth management to high-net-worth individuals and families in San Francisco. With 119 years of experience, they offer investment management, estate planning, tax advisory, family office services, and specialized guidance on business succession, real estate, philanthropic giving, and corporate trustee services. Their approach combines personalized advice with institutional expertise, focusing on understanding clients' complete financial and personal circumstances to align strategies across all wealth management needs.
Parsons Wealth Management is an independent financial advisory firm based in Half Moon Bay serving the San Francisco Peninsula. They provide comprehensive wealth management, financial planning, and investment management services tailored to individuals and families. Their team focuses on creating personalized financial strategies to help clients build and preserve wealth.
Advice Only™ Financial Advisors is a fee-only independent financial advisory firm based in Corte Madera serving clients throughout the San Francisco Bay Area and beyond. They provide comprehensive financial planning and investment management services with a fiduciary commitment to act in clients' best interests. As fee-only advisors, they eliminate conflicts of interest by charging directly for advice rather than earning commissions on product sales.
Callahan Financial Planning is an independent financial advisory firm based in San Rafael, offering comprehensive financial planning and advisory services to individuals and families. The firm specializes in helping clients develop personalized strategies to manage their wealth, plan for retirement, and achieve their long-term financial goals. With a focus on personalized service and professional guidance, they work directly with clients to create tailored financial plans.
The San Francisco Wealth Management Group is a Morgan Stanley office specializing in comprehensive wealth management, investment advisory, and financial planning for high-net-worth individuals and families. Located in the heart of San Francisco's financial district at 555 California Street, the team provides personalized strategies for portfolio management, retirement planning, and long-term financial goals. As part of Morgan Stanley, a globally recognized financial services firm, they combine institutional expertise with local market knowledge.
RBC Wealth Management's San Francisco branch offers comprehensive financial advisory services to high-net-worth individuals and families. Headquartered in a prestigious downtown location, they provide investment management, retirement planning, wealth preservation strategies, and personalized financial guidance tailored to complex financial situations. With access to RBC's global resources and institutional expertise, clients benefit from coordinated wealth strategies across banking, investments, and estate planning.
Moirai Wealth Management is an independent financial advisory firm located in San Francisco's Financial District, specializing in personalized wealth management and financial planning services. Founded by experienced advisors, they work with clients to build comprehensive financial strategies tailored to individual goals and circumstances. Their approach combines investment management with strategic financial planning to help clients grow and protect their wealth.
LFA Private Wealth Management is an independent financial advisory firm based in Novato serving high-net-worth individuals and families. They provide comprehensive wealth management, financial planning, and investment management services tailored to each client's unique goals. Their team combines expertise in insurance, retirement planning, and personalized wealth strategies to help clients build and preserve their financial futures.
Elmwood Wealth Management is an independent financial advisory firm based in Berkeley serving clients throughout the San Francisco Bay Area. They provide comprehensive wealth management and financial planning services to help clients build and preserve their assets. Founded and led by experienced financial professionals, Elmwood Wealth Management focuses on personalized strategies tailored to each client's unique financial goals and circumstances.
SageCrest Wealth Management is an independent financial advisory firm based in San Mateo serving clients throughout the Bay Area. They provide comprehensive wealth management services including investment management, retirement planning, and personalized financial strategy for individuals and families. Their independent approach allows them to focus on client-centered advice without product sales pressure.
Sand Hill Global Advisors is an independent financial advisory firm based in Palo Alto specializing in comprehensive wealth management and investment services for high-net-worth clients. The firm offers personalized financial planning, portfolio management, and strategic advisory services tailored to complex financial situations. With a focus on global market expertise and fiduciary principles, they serve discerning investors seeking sophisticated wealth strategies.
HCM Wealth, based in San Rafael, provides comprehensive financial advisory and wealth management services to clients seeking personalized investment guidance and financial planning. The firm offers consultation on portfolio management, retirement strategies, and wealth growth to help clients achieve their long-term financial goals.
Caerus Investment Advisors is an independent financial advisory firm based in San Francisco's Financial District, providing personalized investment management and financial planning services. The firm specializes in helping clients build and preserve wealth through customized portfolio strategies and comprehensive financial guidance.
Harvest Wealth Management is an independent financial advisory firm located in San Anselmo that provides comprehensive wealth management, investment management, and financial planning services. They work with individuals and families to develop personalized strategies for retirement planning, investment management, and overall financial goals. Their independent approach allows them to focus on client-centered advice tailored to each client's unique situation.
Redwood Grove Wealth Management is a boutique financial life planning firm in San Rafael specializing in comprehensive financial planning and evidence-based investment management for busy families and independent women. Led by advisors with over 15 years of investment experience, they provide fee-only advisory services that align clients' investments with their life goals while emphasizing sustainable and socially responsible investing. Their approach combines academic research with personalized financial roadmaps, plain-English explanations, and ongoing accountability to help clients achieve financial peace of mind.
RHS Financial is the top-ranked financial advisor in San Francisco with a Lantern Score of 83.11/100 and a 5-star rating from 42 reviews. They specialize in financial planning, investment management, tax optimization, and equity compensation strategies, particularly for tech industry professionals.
Several top-ranked firms specialize in tech equity compensation: RHS Financial (Lantern Score 83.11), Monroe Wealth Management (82.92), Financial Zen (82.15), and True Root Financial (81.04) all focus on helping tech professionals optimize equity compensation and build wealth through stock options and restricted stock units.
Financial Zen (Lantern Score 82.15/100) specializes in helping high earners achieve financial independence decades earlier than traditional timelines, and Modern Family Finance (81.04) also serves professionals pursuing financial independence or career transitions. Both are fee-only fiduciary firms with 5-star ratings.
Swad Wealth Management (Lantern Score 77.70/100) specializes in comprehensive retirement planning for people age 50 and older, while Decker Retirement Planning (77.15) provides retirement income planning with a math-based approach. Both have 5-star ratings and focus specifically on pre-retirees and retirees.
No financial advisors among the 36 listed in San Francisco are open on weekends. All operate during standard business hours Monday through Friday.
Modern Family Finance (Lantern Score 81.04/100) explicitly specializes in tax-smart financial planning for women and LGBTQ+ couples and families, with a 5-star rating from 22 reviews. They serve tech professionals, self-employed individuals, and those pursuing financial independence.