Back Nine Financial Coaching LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Back Nine Financial Coaching LLC is a small, fee-only advisory practice that serves individuals and high‑net‑worth families and offers financial coaching, tailored financial planning, and investment consulting to individuals and closely held companies. The firm provides written plans and specific securities and asset‑allocation recommendations but does not manage client assets, accept custody, or exercise discretionary trading authority.
The firm’s investment guidance is built on evidence‑based, globally diversified asset‑allocation frameworks informed by fundamental analysis, macroeconomic indicators, and third‑party institutional research, with recommended rebalancing and tax‑optimization measures. It emphasizes risk education and behavioral change—using habit‑focused coaching and written action plans—and leaves implementation and trade execution to clients or their designated custodians or advisors.
Compared with typical investment‑manager firms, Back Nine charges negotiated annual or hourly advisory fees rather than a percentage‑of‑assets fee, an atypical pricing approach for its category. The firm is run by a single principal with prior chief‑investment‑officer experience and CFA and CFP credentials, and its combination of institutional asset‑allocation analysis with hands‑on coaching and consulting distinguishes its service mix while it maintains a non‑custodial, non‑discretionary model.
Client services
Expertise
Fee options
Hourly rates generally $600 per hour, billed quarterly in arrears
Minimum fee: Annual fixed fee generally ranges from a minimum of $10,000 to over $50,000, billed quarterly in arrears and prorated upon termination Fee-only: Fee-only financial adviser compensated by negotiated fees for advisory services
Main office
San Diego CA
Advisors at this office
1
Most active in
California
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
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