Bustamante Financial Planning

Bustamante Financial Planning works with individuals, couples, families, high‑net‑worth clients, trusts and business owners to provide personalized financial planning and investment advisory services, including cash‑flow analysis, retirement and estate planning, tax considerations, and investment analysis. The firm reports 32 client accounts with approximately $145 million in assets under advisement as of March 2026.

The firm follows a structured, step‑by‑step planning process that produces written investment guidelines and portfolio diagnostics, emphasizes appropriate asset allocation and the use of mutual funds and ETFs, and generally provides recommendations for clients to implement because it does not exercise trading discretion. It is a fee‑only practice that bills primarily on an hourly basis rather than routinely charging percentage‑of‑assets fees.

Compared with many solo independent advisors, the firm’s practice is notable for its primarily non‑discretionary model and for combining retail advisory work with trust and business owner relationships supported by the principal’s prior trust and bank portfolio management experience. The brochure presents illustrative investment objective categories with expected return and volatility characteristics rather than performance‑based fee arrangements, and the firm states it does not accept commissions, referral fees, or custody of client assets.