A complete list of active advisors currently associated with Financial Planning Consultants

Warmer can help you find a great advisor at Financial Planning Consultants or one who fits your needs even better.

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.

To learn more about the advisors currently working at Financial Planning Consultants, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Joel Everett	San Diego, CA	10
Cortland Gray	San Diego, CA	8
Nathan Jarman	San Diego, CA	12

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