Financial Planning Consultants
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Planning Consultants provides financial planning and consulting to individuals, high‑net‑worth clients, pension and profit‑sharing plans, and business entities. The firm begins engagements with interviews and a comprehensive questionnaire to produce a personal financial statement, investment asset summary and tax analysis, and it offers annual or semi‑annual review services tailored to client needs.
The adviser does not manage client assets or accept custody; instead it delivers non‑discretionary recommendations across a broad set of investment types — including mutual funds and ETFs, variable annuities, municipal and corporate debt, private placements and options — and generally emphasizes a long‑term, value‑oriented approach with target asset mixes and periodic rebalancing. Analyses for recommendations incorporate fund rankings, expense ratios, manager tenure and product‑specific risks, and the firm does not engage in frequent trading on behalf of clients.
What is distinctive about the firm is that it bills for planning on an hourly or fixed‑fee basis rather than charging percentage‑of‑AUM investment fees and does not provide portfolio management — a combination that is uncommon among supported firms. Associated persons commonly serve as registered representatives of LPL Financial and as insurance agents (spending a substantial portion of their time in those activities) and may receive commissions or 12b‑1 fees, a disclosed potential conflict clients should consider when implementing recommendations; the firm also operates with a notably small client base relative to its advisor headcount.
Client services
Expertise
Fee options
Fixed fees range from $100 to $10,000 based on complexity and variety of services; Annual Client Review Service fees range from $250 to $10,000
Investment adviser representatives may receive brokerage or mutual fund trail commissions and commissions on sale of securities and insurance products
Hourly fee ranges from $50 to $500 per hour
Fee-only: Hourly fee ranges from $50 to $500 per hour; Fixed fee ranges from $100 to $10,000 based on complexity
Main office
1450 Frazee Road, Suite 308
San Diego CA 92108-4344
Advisors at this office
3
Most active in
California
Also doing business as
Financial Planning Consultants · Financial Planning Counselors, Inc
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.
Forms ADV
Quick links
Advisors at this firm
Joel E
CFP®, ChFC®, Series 66
San Diego, CA
Financial Planning Consultants
Joel Everett is a CFP® and ChFC® with 10 years of experience in financial advising. He has been with Financial Planning Consultants and LPL Financial since 2015. Financial Planning Consultants provides financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers comprehensive financial plans and life-stage planning without managing client assets, focusing on investment advice through a planning-only model with fixed or hourly fees.
Cortland G
CFP®, Series 66
San Diego, CA
Financial Planning Consultants
Cortland Gray is a CFP® with seven years of industry experience, currently serving as an advisor at Financial Planning Consultants in San Diego, CA. He previously worked at LPL Financial and held roles at Dansr Inc and Bge Financial Corporation over a ten-year period. Gray is also involved with Financial Planning Consultants as an independent registered investment advisor. Financial Planning Consultants provides financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers comprehensive financial plans and periodic reviews, focusing on advising clients about various investments through a planning-only model without managing client assets.
Nathan J
CFP®, Series 66
San Diego, CA
Financial Planning Consultants
Nathan Jarman is a CFP® and holds a Series 66 license with 11 years of industry experience. He has worked with LPL Financial and Financial Planning Consultants since 2014. Outside of his advisory role, he is involved with Jarman Wealth Management, a business entity focused on tax and investment purposes. Financial Planning Consultants provides financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers comprehensive financial plans and life-stage planning, focusing on investment advice without managing client assets, typically using a long-term, value-oriented approach.
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