San Diego, CA Office

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.