Financial Vision LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Vision serves individual clients, many of whom are high-net-worth, by providing portfolio supervision alongside a range of planning services including scenario planning, cash-flow analysis, and estate planning. All clients may receive customized financial planning in addition to discretionary or non‑discretionary investment management tailored to individual needs.
The firm’s investment approach emphasizes diversified, passive buy‑and‑hold portfolios with periodic rebalancing, construction of written investment policy statements, and attention to tax consequences and cash‑flow needs to limit taxable events. It frames recommendations around long‑term market cycles and low turnover, seeking to align portfolio design with clients’ return requirements and risk tolerances.
Compared with peers, the firm is notable for charging clients via a retainer arrangement rather than a percentage‑of‑assets model, and for operating as a small, two‑advisor practice that manages a relatively limited client roster. The firm also discloses ownership ties to a separate fiduciary consulting business and to a law practice (the attorney‑owner does not provide legal advice to firm clients and client relationships are kept separate), and it operates independently without selling investment products.
Client services
Expertise
Fee options
Minimum fee: Minimum annual retainer fee of $12,000; may be reduced based on complexity Fee-only: Retainer fee negotiated individually, roughly based on 1.0% of portfolio value but fixed and billed monthly
Main office
5290 Overpass Rd, Suite 217
Goleta CA 93111
Advisors at this office
2
Most active in
California
Also doing business as
David Yager · Financial Vision LLC · Financial Vision West
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Lawyer
They provide legal services, typically billed separately.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Joshua Y
CFP®, Series 63, Series 65
Goleta, CA
Financial Vision LLC
Joshua Yager is a CFP® with 27 years of experience in the financial services industry. He has worked at Financial Vision LLC since 2013 and previously held roles at Anodos Advisors, LLC from 2005 to 2024 and Mercer Advisors from 1997 to 2005. Outside of his advisory work, he serves as a manager for Gold Crest, LLC, a manufacturer of multi-use lighting products. Financial Vision LLC serves primarily high-net-worth individuals, offering portfolio supervision alongside comprehensive financial planning services tailored to individual needs. The firm emphasizes diversified, passive investment strategies with a focus on tax efficiency and long-term market cycles, and operates as a small, two-advisor practice using a retainer-based fee structure.
Ryan W
CFP®, CFA®
Goleta, CA
Financial Vision LLC
Ryan Wolfshorndl is a CFP® and CFA® with 15 years of industry experience. He has been with Financial Vision LLC since 2013 and was previously a partner at Anodos Advisors, LLC, a financial consulting firm where he provided portfolio management and financial planning services. Financial Vision LLC serves primarily high-net-worth individuals, offering customized financial planning and both discretionary and non-discretionary investment management. The firm’s approach focuses on diversified, passive buy-and-hold portfolios with regular rebalancing, written investment policy statements, and consideration of tax consequences and cash-flow needs.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)