Point4ward Financial Planning
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About
Point4ward Financial Planning serves individual and high-net-worth clients with ongoing discretionary portfolio management as well as project-based and one-year comprehensive financial planning that covers retirement, tax, estate, cash-flow, and business-planning topics. The firm reports about $4.1 million in assets under management across a small client roster and does not impose a formal account minimum.
The adviser emphasizes passive portfolio construction using index mutual funds and ETFs for low-cost, tax-efficient exposure, while also applying fundamental analysis and tailoring asset-allocation targets to client goals and risk tolerance. It also uses third‑party model providers and outside managers — including a sub-advisor that constructs Modern Portfolio Theory (MPT)-based model portfolios — and may include mutual funds, ETFs, individual securities, and options within managed accounts.
Distinctive operational features include one-year comprehensive planning engagements with implementation and periodic follow-up and a specific business-planning consulting offering for owner-clients. The firm’s principal holds CFP certification and maintains an insurance license but will not sell insurance through the firm; the adviser also recommends specific custodians and discloses receipt of custodial support services and soft‑dollar benefits as a potential conflict of interest.
Client services
Expertise
Fee options
Fixed fees for financial planning services ranging from $500 to $3,000
$0 - $1,000,000: 0.65% $1,000,001 - $2,500,000: 0.55% $2,500,001 - $5,000,000: 0.45% $5,000,001 - $10,000,000: 0.35% $10,000,001+: 0.25%
Fee-only: Fixed fees ranging from $500 to $3,000 depending on complexity and client needs
Main office
Walnut Creek CA
Advisors at this office
1
Most active in
California
Also doing business as
Point4 Ward Financial Planning · Point4 Ward Financial Planning, 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.
Forms ADV
Quick links
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