Fleming Financial Advising
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About
Fleming Financial Advising serves individual clients, including high–net-worth households, offering tailored financial planning and ongoing portfolio management on a fee‑only, fiduciary basis. The firm manages approximately $65.7 million in discretionary assets for a small client roster and provides both project-based planning and continuous advisory relationships.
The firm emphasizes goal‑based, risk‑aware portfolio construction rather than pre-set model portfolios, focusing on diversification, valuation-aware allocation shifts, and long‑term perspectives. Investment implementation is limited to mutual funds, ETFs/ETNs, closed‑end funds and individual bonds/CDs (the firm does not routinely purchase individual equities, leveraged products, derivatives, options, or use margin), and employer retirement accounts are addressed through client‑directed recommendations.
Distinctive features include a compact advisory team that structures engagements as hourly/limited plans, fixed retainers, or ongoing management, allowing flexibility in the scope and cadence of services. The firm requires certified planners to deliver planning advice, declines performance‑based fee arrangements, does not vote client proxies, and relies on an institutional custodian relationship that supplies operational and research support.
Client services
Expertise
Demographic focus
Fee options
Retainer Agreement fees are fixed, minimum $4,000 per project or annual term; Financial Management Agreement may have fixed annual fee component starting at $4,000.
$0 - $5,000,000: 0.50% $5,000,000 - $10,000,000: 0.45% $10,000,000 - $15,000,000: 0.40% $15,000,000+: 0.35%
Hourly rate is $290 per hour for Limited Advisory Agreement; minimum 4 hours for new clients, 2 hours for returning clients.
Minimum fee: Financial Management Agreement has a minimum annual fee of $7,000; Retainer Agreement minimum fee is $4,000; Limited Advisory Agreement has minimum billed hours (4 hours for new clients, 2 hours for returning clients) with hourly rate $290. Fee-only: All services are fee-only; no commissions or other compensation are received.
Main office
1615 Bonanza Street, Suite 210
Walnut Creek CA 94596
Advisors at this office
2
Most active in
California
Also doing business as
Fleming Financial Advising · Fleming, Ann Muriel
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
Advisors at this firm
Ann F
CFP®
Walnut Creek, CA
Fleming Financial Advising
Ann Fleming is a CFP® with 8 years of industry experience, currently serving at Fleming Financial Advising and owning i2 Financial Planning, a financial education company. She has worked at Fleming Financial Advising since 2000 and founded i2 Financial Planning in 2025, dedicating a portion of her time to this educational endeavor. Fleming Financial Advising primarily serves individual clients with fee-only financial planning and portfolio management under a fiduciary standard. The firm emphasizes goal- and risk-focused investment strategies, individualized portfolios, and maintains a small advisory team with credentialed planners.
Karen M
CFP®, Series 65
Walnut Creek, CA
Fleming Financial Advising
Karen Medford is a CFP® with eight years of experience at Fleming Financial Advising in Walnut Creek, CA. She has been with the firm since 2009 and holds a Series 65 license. Fleming Financial Advising serves individual clients with fee-only financial planning and portfolio management under a fiduciary standard, focusing on later-life planning and survivor-transition work. The firm emphasizes goal- and risk-focused investment strategies using diversified pooled vehicles and fixed-income instruments, managing most accounts on a discretionary basis with individualized portfolios rather than model portfolios.
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