Natural Bridges Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Natural Bridges Financial Advisors is a fee-only advisory firm that provides comprehensive financial planning and discretionary investment management to individuals and families, offering services that include tax planning and preparation, estate-plan reviews, risk management, retirement planning, and business development support. The firm operates with a small advisory team and serves a relatively limited client base while reporting roughly $155.8 million in discretionary assets under management.
Investment advice is implemented through tailored, documented investment policy statements and discretionary asset allocation that reflect each client’s goals, risk tolerance, and tax situation, with portfolios built primarily from low-cost exchange-traded funds and no-load mutual funds (notably Dimensional Fund Advisors and Vanguard). The firm may also recommend or place assets with unaffiliated sub-advisors for ongoing management and uses its institutional custodian relationship with Altruist for custody, trading, and optional cash sweep services.
What is distinctive about Natural Bridges is its fee model and related operating practices: rather than the more common percentage-of-assets model, the firm principally uses an Open Retainer (a fixed annual fee billed quarterly, currently disclosed in the $12,000–$50,000 range), and it affirms a strict fee-only, fiduciary posture without accepting third-party commissions. Additional notable features include membership in fee-only advisor networks (e.g., ACP and NAPFA), the existence of legacy clients on prior fee arrangements, and a custodial setup that permits fee deduction and an Altruist Cash sweep with specific FDIC coverage considerations.
Client services
Expertise
Fee options
Fee-only: Annual fixed fee ranging from $12,000 to $50,000, payable quarterly in advance
Main office
627 Center Street
Santa Cruz CA 95060
Advisors at this office
3
Most active in
California
Also doing business as
Christopher Lewis Wentzien · Natural Bridges Financial Advisors · Natural Bridges Financial Advisors LLC
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.
Advisors at this firm
Christopher W
CFP®, Series 65
Santa Cruz, CA
Natural Bridges Financial Advisors
Christopher Wentzien is a CFP® with 12 years of industry experience. He has been with Natural Bridges Financial Advisors in Santa Cruz, CA since 2008. Natural Bridges Financial Advisors is a fee-only firm serving individuals and families with comprehensive financial planning and discretionary investment management. The firm uses tailored investment policy statements and primarily invests in low-cost ETFs and no-load mutual funds, operating with a fixed annual fee model rather than a percentage-of-assets approach.
Sarah B
CFP®
Santa Cruz, CA
Natural Bridges Financial Advisors
Sarah Brown is a CFP® professional with five years of experience at Natural Bridges Financial Advisors in Santa Cruz, CA. Prior to joining Natural Bridges, she worked at 1440 Multiversity and was involved with Luma Yoga. Natural Bridges Financial Advisors is a fee-only firm serving individuals and families with comprehensive financial planning and discretionary investment management. The firm emphasizes tailored investment strategies using low-cost ETFs and mutual funds, operating under a fixed annual fee model with a fiduciary standard.
Anabel D
CFP®
Santa Cruz, CA
Natural Bridges Financial Advisors
Anabel Diaz Garcia is a CFP® professional at Natural Bridges Financial Advisors with two years of industry experience. Her work history includes roles at Beacon Pointe Advisors LLC and Waypoint Wealth Partners, as well as a previous tenure at Natural Bridges Financial Advisors. Natural Bridges Financial Advisors is a fee-only firm serving individuals and families with comprehensive financial planning and discretionary investment management. The firm uses tailored investment policy statements and primarily invests in low-cost funds, operating with a fixed annual fee model and maintaining a fiduciary standard.
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