395 Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
395 Financial Planning provides fee-only financial planning services to individual clients (including high-net-worth individuals) and business owners, offering both ongoing comprehensive planning and project-based engagements that cover retirement, estate, insurance, cash flow, college, tax, and business planning. The firm delivers written or electronic financial plans, ongoing monitoring and periodic reviews, but does not manage client assets or accept custody of client funds.
When providing investment guidance, the firm emphasizes passive investment management and modern-portfolio-theory principles, typically recommending index mutual funds and exchange-traded funds tailored to a client’s goals, risk tolerance, and time horizon. Advisors gather detailed client information before making recommendations and will provide portfolio management advice, while leaving trade execution, custodial selection, and custody to the client.
Several operating features are uncommon among independent solo advisers: the firm does not offer discretionary portfolio management or charge percentage-of-assets-under-management fees, instead using fixed, hourly, or project-based fees and receiving no third-party compensation. The firm also discloses no related-party affiliations, does not participate in wrap programs, and makes a point of coordinating with clients’ attorneys and tax professionals as part of its planning process.
Client services
Expertise
Fee options
Fixed fees generally ranging from $395 to $10,000, negotiable; $395 monthly ongoing financial planning fee
Starting at $395 per hour, negotiable based on complexity
Ongoing financial planning fee of $395 per month, paid monthly in advance
Fee-only: Fixed fees ranging from $395 to $10,000; Hourly fees starting at $395 per hour; Monthly ongoing planning fee of $395
Main office
Mammoth Lakes CA
Advisors at this office
1
Most active in
California
Also doing business as
395 Financial Planning · 395 Financial Planning LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")