Klein financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm serves individual clients and also provides advisory services to pension plans, businesses, trusts, estates, banks, and charitable organizations. It offers financial planning, portfolio management, and implementation of investment and insurance recommendations, billing on an asset-based, hourly, or flat-fee basis.
The firm’s investment process relies on fundamental security analysis with a generally long-term orientation while allowing for shorter-term trades when appropriate; managed accounts are handled on a discretionary basis with daily monitoring and quarterly portfolio reports. Clients receive statements directly from custodians and are encouraged to compare those statements with the firm’s performance reports.
The firm is licensed to sell life, health, disability, long-term care, and property/casualty insurance and may earn commissions when clients purchase insurance products it recommends, including placement through carriers such as Ohio National—an implementation-related conflict the brochure discloses. It also provides pension-plan consulting and works directly with pension plans, a service offering that is less common among similar independent advisers.
Client services
Expertise
Fee options
Flat fee of $200 to $5,000 per year
Commissions earned on insurance products recommended and sold by John H. Klein
Up to $200 per hour
Minimum fee: Flat fee of $200 to $5,000 per year Fee-only: Hourly fee up to $200 per hour
Main office
Rancho Mission Viejo CA
Advisors at this office
1
Most active in
California
Also doing business as
John Henry Management Company · Klein Financial Advisors
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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
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.
-
Lawyer
They provide legal services, typically billed separately.
-
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
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”)