Premier Financial Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$50,355,281
Clients
39
Advisors
2
across 2 offices
About
Premier Financial Planning, Inc. is a small, state‑registered investment adviser that provides comprehensive financial planning and discretionary portfolio management to individuals, high‑net‑worth clients, trusts, pension plans and business entities. The firm offers standalone financial planning engagements as well as ongoing asset management implemented through diversified holdings such as mutual funds, equities and fixed‑income securities.
The firm’s investment approach centers on strategic asset allocation informed by Modern Portfolio Theory, with customized investment policy statements, ongoing monitoring and rebalancing tailored to clients’ time horizons and risk tolerances. Premier separates financial planning engagements from its advisory services and discloses that it may recommend retirement‑plan rollovers to IRAs it manages, along with potential conflicts that can arise from rollover recommendations and insurance product sales.
Noteworthy aspects include a two‑advisor, owner‑managed structure with a small client roster and all assets managed on a discretionary basis, which can result in a high advisor‑to‑client ratio and more individualized attention. The firm does not vote client proxies, forwards class‑action materials to clients, and discloses receipt of custodial support services from its recommended custodian; one principal also maintains insurance licenses and may receive commissions for insurance products.
Client services
Expertise
Fee options
Fixed financial planning fees starting at $4,000, may be less for focused planning
$0 - $249,999: 1.25% annually $250,000 - $749,999: 1.00% annually $750,000 - $1,249,999: 0.75% annually $1,250,000 - $2,999,999: 0.50% annually $3,000,000+: Negotiable
Insurance product commissions received by associated persons who are licensed insurance agents
Hourly financial planning fees starting at $200/hour
Minimum fee: Minimum quarterly fee of $25.00 may be imposed Fee-only: Financial planning fees are fee-only (no commissions) when charged separately or as offset from investment management fees
Main office
See officeValley Center CA
Advisors at this office
1
Offices (2)
Most active in
California · Texas
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
Advisors at this firm
James P
Series 65
Valley Center, CA
Premier Financial Planning, Inc.
James Patterson is a financial advisor at Premier Financial Planning, Inc. in Valley Center, CA, holding a Series 65 credential with four years of industry experience. He has been with Premier Financial Planning since 2011. Premier Financial Planning, Inc. is a small, state-registered investment adviser serving individuals, high-net-worth clients, trusts, pension plans, and business entities. The firm provides financial planning and discretionary portfolio management using a strategic asset allocation approach guided by Modern Portfolio Theory, with services tailored to clients’ time horizons and risk tolerances.
Patricia P
CFP®, Series 63
San Diego, CA
Premier Financial Planning, Inc.
Patricia Patterson is a CFP® certificant with 28 years of industry experience, currently serving as an advisor at Premier Financial Planning, Inc. in San Diego, CA. She has been with Premier Financial Planning since 2004, including its predecessor LLP structure. Premier Financial Planning, Inc. provides comprehensive financial planning and discretionary portfolio management to individuals, high-net-worth clients, trusts, pension plans, and business entities. The firm employs a strategic asset allocation approach grounded in Modern Portfolio Theory, offering customized investment policy statements and ongoing portfolio monitoring tailored to client objectives.
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