Innovative Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides fee-based financial planning and consulting to individuals, high-net-worth clients and small businesses, covering cash flow, tax and insurance review, retirement and estate planning. It also conducts educational seminars and workshops for the public and generally refers clients to third-party money managers for ongoing portfolio management rather than directly managing client assets.
The firm documents client goals and produces tailored financial plans and Investment Policy Statements, using fundamental, technical and cyclical analysis as appropriate and offering periodic reviews on request. For clients who want professional asset management, the firm refers to a registered third‑party money manager (disclosed in the brochure) and receives referral and incentive payments from that manager, a relationship disclosed as a potential conflict of interest.
Noteworthy differences from many peers include an affiliated insurance and tax-practice operated by the firm’s managing member, who spends substantial time selling insurance and preparing taxes and may receive commissions for those sales. The firm also does not act as a portfolio manager itself or routinely charge percentage‑of‑assets fees, and it may waive planning fees when clients implement plans through the recommended third‑party manager.
Client services
Expertise
Occupation focus
Fee options
Financial planning fixed fees ranging from $1,200 to $3,000, negotiable
All Assets+: 1.00% Advisor fee (part of total fee) All Assets+: 0.40% to 1.15%, part of total fee paid to Gradient Investments, LLC depending on portfolio type All Assets+: Total annual fees range from 1.00% to 2.15% depending on portfolio Client Directed Accounts+: Flat $300 annual fee
Hourly rate of $200 for financial planning and consulting
Account minimum: $25,000 Minimum fee: Financial Planning fees range from $1,200 to $3,000 (negotiable) Fee-only: Financial Planning fees charged as hourly ($200/hour) or flat fee ($1,200 to $3,000), negotiable
Main office
801 Sterling Pkwy, Suite 110
Lincoln CA 95648
Advisors at this office
1
Most active in
California · Wyoming
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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