Personal Best Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Personal Best Financial provides fee‑only wealth management and financial planning to individuals, trusts, estates and charitable organizations, with a stated focus on technology industry professionals, medical professionals and business owners. Offerings include discretionary portfolio management and either ongoing or project‑based financial planning, with an optional add‑on estate planning service.
The firm’s investment approach blends fundamental analysis and Modern Portfolio Theory, using both passive and active funds as well as individual securities to build asset‑allocation‑based portfolios; socially conscious (ESG) options are available when requested. Clients typically grant limited discretionary trading authority, receive quarterly account reviews, and work with the adviser to set investment policy, risk tolerance and any client‑imposed restrictions.
Notable distinctions include documented service to charitable organizations and corporate/business clients and an explicit planning focus on business planning and employee benefits optimization, which the brochure highlights as part of its planning engagements. The firm makes estate‑planning support available through a third‑party scrivener service (EncorEstate) or attorneys as an add‑on, operates as a fee‑only fiduciary that does not accept commissions, and recommends Charles Schwab for custody while using Schwab’s institutional services.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Fixed fees for project-based financial planning range from $2,500 to $10,000; estate planning services fixed fees from $300 to $1,300.
$0 - $500,000: Fixed fee billed monthly ranging from $250 to $1,000 $500,000 - $1,000,000: 1.00% annually $1,000,001 - $5,000,000: 0.75% annually $5,000,001+: 0.50% annually
Hourly rate for project-based financial planning ranges from $250 to $400 per hour, negotiable.
Ongoing financial planning fees range from $250 to $500 per month, paid monthly in arrears.
Account minimum: $500,000 Minimum fee: For clients with under $500,000 in assets, fixed fee billed monthly ranging from $250 to $1,000 in lieu of tiered fees. Fee-only: Fee-only firm; no commissions or sales-related compensation.
Main office
Oakland CA
Advisors at this office
1
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 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
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