MainStreet Financial Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
MainStreet Financial Planning provides fee-only, advice-only financial planning and consultation to individuals, families, business owners and nonprofit employers. Services cover comprehensive planning topics — retirement and college funding, cash flow and debt management, insurance and real estate advice — and include tax return preparation and employer-facing offerings such as employee seminars, workshops and on‑site individual counseling.
The firm operates as an advice-only practice and does not maintain discretionary portfolio management or custody of client assets; clients retain implementation discretion. MSFP generally favors a long-term, low-cost passive investing approach in its recommendations and delivers advice through multi-session planning engagements (the Money Roadmap) with optional ongoing navigation support and educational webinars.
Notable differences from many peers include an uncommon multi-office footprint for a firm of this size and a regular program of educational seminars and webinars for both individuals and employer groups. Its fee model relies on project, hourly and subscription arrangements rather than percentage-of-AUM billing, and the firm emphasizes work with specific segments such as newly married couples, near‑retirees balancing college and retirement needs, independent women, and business/nonprofit clients.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Money Roadmap Navigator Package: Year 1 for Individuals - $4,850 (including $2,200 deposit plus $241/month for 11 months); Couples/Families - $5,900 (including $2,500 deposit plus $309/month for 11 months). Money Roadmap One-Time Plan: Individuals - $5,450; Couples/Family - $6,650. Navigation Support Program (Ongoing): Individuals - $2,650; Couples/Family - $3,400; with an $800 one-time fee if last meeting was over 24 months ago. Tax Return Preparation Fees: Starting at $725 per individual return; $990 per trust return; $1,400 per corporate return; plus additional fees for complexity and extra forms.
$450 per hour
Monthly fees for ongoing services after Year 1: $241/month for Individuals, $309/month for Couples/Families.
Fee-only: Hourly fee of $450 per hour billed in quarter-hour increments; various fixed fees for financial planning packages and tax preparation.
Main office
See office236 N Santa Cruz Ave, Ste. 237
Los Gatos CA 95030
Advisors at this office
2
Offices (3)
Most active in
California · District of Columbia · Maryland · New York · North Carolina · Tennessee · Virginia
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
Quick links
Advisors at this firm
Cynthia F
CFP®
Los Gatos, CA
MainStreet Financial Planning, Inc.
Cynthia Flannigan is a CFP® professional at MainStreet Financial Planning, Inc. in Los Gatos, CA, with eight years of industry experience. She worked at Evercore Wealth Management for six years before joining MainStreet Financial Planning in 2018. MainStreet Financial Planning provides fee-only, advice-only financial planning and consultation to individuals, families, business owners, and nonprofit employers. The firm focuses on comprehensive planning and favors a long-term, low-cost passive investing approach, delivering advice through multi-session planning engagements and educational programs.
Patricia S
CFP®, Series 63, Series 65
Irvine, CA
MainStreet Financial Planning, Inc.
Patricia Stallworth is a CFP® professional with 14 years of experience in financial planning. She is currently with MainStreet Financial Planning, Inc. and has prior experience at firms including Ellevest, Facet Wealth, and PS Worth. MainStreet Financial Planning, Inc. provides fee-only, advice-only financial planning and consultation for individuals, families, business owners, and nonprofit employers. The firm emphasizes long-term, low-cost passive investment strategies and offers multi-session planning engagements alongside educational seminars for both individuals and employer groups.
Katherine E
CFP®, Series 66
Murfreesboro, TN
MainStreet Financial Planning, Inc.
Katherine Edwards is a CFP® and Series 66-registered advisor with 10 years of industry experience. She has worked at MainStreet Financial Planning, Inc. since 2022 and previously held roles at Lokal Design Co., Purshe Kaplan Sterling Investments, and The Adams Chetwood Wealth Management Group. MainStreet Financial Planning, Inc. offers fee-only, advice-only financial planning and consultation to individuals, families, business owners, and nonprofit employers. The firm provides comprehensive planning services, favors a long-term, low-cost passive investing approach, and delivers advice through multi-session planning engagements and educational programs.
Anna S
CFP®
Los Gatos, CA
MainStreet Financial Planning, Inc.
Anna Sergunina is a CFP® professional with 16 years of industry experience. She has been with MainStreet Financial Planning, Inc. since 2014 and also owns Anna Sergunina Media LLC. MainStreet Financial Planning provides fee-only, advice-only financial planning and consultation services to individuals, families, business owners, and nonprofit employers. The firm emphasizes long-term, low-cost passive investing and delivers multi-session planning engagements, educational seminars, and employer-facing workshops.
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