Amaral Financial Planning
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About
Amaral Financial Planning serves individual clients, families, and trusts with fee-only financial planning and discretionary portfolio management, and also offers tax preparation and representation as well as notarization services. The firm provides both ongoing annual planning packages and one-time financial plans tailored to client needs.
The adviser emphasizes long-term, passive investing informed by Modern Portfolio Theory, with client-specific diversification, asset allocation, and periodic rebalancing. Portfolios are implemented on custodial platforms (Betterment and Charles Schwab), and the firm assists clients in selecting allocation models, completing platform profiles, and coordinating ongoing reviews.
Distinctive features include that the firm’s lead advisor holds CFP® and Enrolled Agent credentials and provides in-house tax and IRS representation and notary services, an integrated service mix that is uncommon among solo independent advisers. The firm manages a relatively small roster of clients with about $8.4 million in discretionary assets and uses Betterment’s institutional platform, a relationship the brochure discloses can provide practice support services that benefit the adviser.
Client services
Expertise
Fee options
Tax Preparation and Representation Services starting at $500; Notarization Services $15 per signature plus travel fee
0.50% annually (Investment Advisory Services)
$500 per hour (Financial Planning Hourly Fee and IRS letters/notices assistance)
Fee-only: Financial Planning Services annual fees: Wealth Builder Package $9,000+; One-Time Financial Plan $5,000+
Main office
San Jose CA
Advisors at this office
1
Most active in
California · Texas
Disclosures
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Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Insurance agent
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Broker-dealer / trader
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Bank
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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