Krystal Fortner
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm is a fee-only, sole-practitioner registered investment adviser that provides comprehensive financial planning to individuals and high-net-worth clients. It delivers written financial plans and ongoing planning reviews, makes investment recommendations and third‑party professional referrals, but does not provide portfolio management or accept custody of client assets.
The adviser’s recommendations draw on Modern Portfolio Theory, with an emphasis on asset allocation and use of passive vehicles such as index mutual funds and ETFs, and includes fund-level analysis for manager track record and overlap. Services are tailored to each client’s risk tolerance, time horizon, and any client-imposed restrictions, and the firm will participate in meetings with client-selected attorneys or tax and accounting professionals when requested.
Noteworthy for this category, the firm does not charge percentage-of-assets-under-management fees and confines its practice to fee-only financial planning rather than discretionary investment management. The practice is a small, recently registered solo office led by a CFP professional with prior wealth-management experience, maintains a limited client base, and provides two scheduled review meetings per year as part of ongoing planning.
Client services
Expertise
Fee options
Initial financial plan fee from $5,500 to $10,000; ongoing financial planning fee of $3,750 annually.
Hourly charges reported in SEC Form ADV Part 1 but not detailed in brochure.
Fee-only: Initial financial planning fee ranging from $5,500 to $10,000; ongoing financial planning at annual rate of $3,750 paid in two installments.
Main office
Richmond CA
Advisors at this office
1
Most active in
California
Also doing business as
Krystal Fortner · Krystal Fortner, Cfp
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:
-
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.
-
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
Quick links
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”)