Novato, CA Office

Asti Financial Management serves individual clients—including high net worth individuals—and small businesses, delivering comprehensive and limited‑scope financial planning through fixed‑fee packages and project engagements. Hourly advisory work is available only to existing or returning clients, and the firm does not impose an asset minimum to engage its planning services.

The firm focuses on financial planning and advice rather than discretionary portfolio management, developing tailored investment strategies and asset allocations as part of a client’s plan but implementing transactions only with client direction. Recommendations may include both actively and passively managed investments, and clients are free to choose custodians or request the firm’s custodial recommendations based on cost and service factors.

Noteworthy distinctions from many peers include the firm’s licensure to sell life and health insurance and the receipt of commissions for insurance sales, a conflict disclosed to clients. Asti also reports that it does not manage client assets or charge percentage‑of‑assets fees, may refer clients to third‑party investment managers (and receive a portion of fees in those arrangements), and does not accept custody or exercise discretionary trading authority.