Mosher Financial Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Mosher Financial Advisors provides financial planning and investment research and advice to individuals (including high‑net‑worth clients), trusts, retirement plans and other entities. The firm conducts comprehensive planning and ongoing due diligence but does not hold or directly manage client assets; instead it typically refers clients to third‑party money managers and facilitates securities transactions through its principals acting as registered representatives of American Investors Company.
The firm’s process centers on a documented financial planning dialogue, periodic (generally annual) reviews, and consideration of strategies such as asset allocation, industry rotation and individualized portfolios, with an overall preference for diversification. Mosher does not accept custody or discretionary trading authority for client accounts, and clients retain final decisions about implementation and choice of custodians while the firm assists with research and execution as requested.
Noteworthy differences from many peers include its principals’ dual roles as registered representatives/advisory affiliates of a broker‑dealer and the maintenance of insurance producer licenses that permit advisors to assist with insurance acquisitions; the brochure highlights these arrangements as potential conflicts that are disclosed in written agreements and securities order forms. The firm also departs from the common percentage‑of‑AUM billing model, relying primarily on hourly and flat fees and on recommending external managers rather than providing in‑house portfolio management.
Client services
Expertise
Occupation focus
Fee options
Flat fees typically range from $300 to $5,000 depending on client circumstances
Commissions received by Mr. Tom, Mr. Dawson, and Mr. Mosher via American Investors Company for securities transactions
Ranges from $60/hour to $350/hour depending on the advisor; typically $120 to $350/hour for senior advisors
Account minimum: $250,000 Fee-only: Hourly rates ranging from $60 to $350 per hour; flat fees typically from $300 to $5,000
Main office
3658 Mt. Diablo Blvd, Ste. 210
Lafayette CA 94549
Advisors at this office
3
Most active in
California
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:
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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
Advisors at this firm
William T
CFP®, Series 66
Lafayette, CA
Mosher Financial Advisors LLC
William Tom is a CFP® professional with 11 years of industry experience, currently affiliated with American Investors Company. He has worked at American Investors Company since 2014 and is also a partner at Mosher Financial Advisors, LLC, where he focuses on financial planning, research, and investment processing. American Investors Company provides investment advisory, financial planning, 401(k) advisory, and asset supervisory services to a diverse client base, including individuals, pension plans, trusts, and charitable organizations. The firm combines advisory and brokerage activities through a multi-advisor structure and manages approximately $578 million in client assets.
Scott D
CFP®, Series 63
Lafayette, CA
Mosher Financial Advisors LLC
Scott Dawson is a CFP® with 24 years of industry experience currently with American Investors Company. He has been affiliated with American Investors Company since 2001 and also serves as a partner and planner at Mosher Financial Advisors, LLC. Outside of investment advisory, he is a licensed insurance agent. American Investors Company provides investment advisory, financial planning, 401(k) advisory, and asset supervisory services to a range of clients including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm combines advisory and brokerage activities within a multi-advisor structure and manages approximately $578 million in client assets.
Jerry M
CFP®, Series 63
Lafayette, CA
Mosher Financial Advisors LLC
Jerry Mosher is a CFP® professional with over 55 years of experience in the financial services industry. He has been associated with American Investors Company since 1975 and has held roles at several related firms throughout his career. In addition to his advisory work, Mosher is a licensed individual insurance agent. American Investors Company provides investment advisory, financial planning, 401(k) advisory, and asset supervisory services to a diverse client base, including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm combines advisory and brokerage activities through a multi-advisor structure, offering both fee-based and commission-based services.
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