Gustafson Financial Solutions
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Gustafson Financial Solutions serves individuals, pension and profit‑sharing plans, trusts, estates and charitable organizations, offering fee‑only financial planning and tax services. The firm’s services include portfolio analysis and asset allocation, retirement and estate planning, tax planning and preparation, risk reviews coordinated with insurance professionals, and other personal financial planning matters.
The firm’s investment work relies on quantitative screening of a database of roughly 10,000 mutual funds and ETFs and emphasizes asset allocation, diversification, and low‑expense, no‑load funds and ETFs. Gustafson Financial Solutions does not accept custody or investment discretion for client accounts, and clients may choose their broker or self‑direct transactions while the firm provides analysis and recommendations.
Noteworthy aspects compared with many independent peers are the firm’s substantive tax‑preparation practice (the advisor is an Enrolled Agent and prepares client tax returns) and the disclosure that only about one quarter of the advisor’s time is spent on investment advice, indicating a business model weighted toward tax and broader planning. The firm also does not use percentage‑of‑assets fees, instead structuring compensation through retainers, limited flat‑fee engagements and hourly arrangements, which is less common among independent RIAs.
Client services
Expertise
Fee options
Financial Tune-Ups at a fixed fee of $750 per engagement
$300/hour
Full Retainer fees billed quarterly or monthly, ranging from $2,500 to $10,000 in the first year, $1,500 to $10,000 in renewal years
Minimum fee: First year retainer minimum $2,500; renewal year minimum $1,500 Fee-only: Fee-only financial planning practice; fees are negotiable and based on income, net worth, and complexity of taxes
Main office
Oceanside CA
Advisors at this office
1
Most active in
California
Also doing business as
Gustafson Financial Solutions · Terrence Duane Gustafson
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.
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