Los Gatos, CA Office

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.