A complete list of active advisors currently associated with Point4ward Financial Planning

Warmer can help you find a great advisor at Point4ward Financial Planning or one who fits your needs even better.

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.

To learn more about the advisors currently working at Point4ward Financial Planning, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Keo Chao	Walnut Creek, CA	17

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