Redwood Money
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Redwood Money serves individual and high‑net‑worth clients, as well as charitable organizations and businesses, offering discretionary investment management alongside financial planning on ongoing, project, and hourly bases. The firm also provides educational seminars and employer‑facing presentations and coordinates with third‑party Outside Managers when appropriate.
The firm emphasizes passive, goal‑based asset allocation using low‑cost, index‑tracking ETFs and combines strategic long‑term targets with limited tactical tilts; it may also use third‑party model portfolios delivered through a digital advisor platform. For clients receiving investment management, Redwood Money generally requires custody on the custodial platforms it recommends (including Betterment for Advisors or Schwab) and implements trades on an account‑by‑account basis rather than through aggregated block trading.
Distinctive aspects include explicit work with charitable structures such as charitable remainder unitrusts and donor‑advised funds and disclosure of the specific risks those vehicles carry, as well as an established seminar/speaking practice aimed at employee education. Redwood Money operates as a small team—three advisors managing roughly $87.4 million for about 108 clients across multiple offices—and typically delivers financial planning integrated with discretionary portfolio management.
Client services
Expertise
Fee options
Project-based financial planning fees typically ranging from $6,000 to $12,000, based on scope and complexity.
$0 - $2,000,000: 0.95% $2,000,001 - $5,000,000: 0.85% $5,000,001 - $10,000,000: 0.75% $10,000,001 - $15,000,000: 0.60% $15,000,001+: 0.50%
Hourly financial planning fees typically $450 per hour.
Ongoing financial planning monthly fees ranging from $500 to $2,500, billed monthly in arrears.
Minimum fee: Minimum annual fee of $8,000 per client relationship, which can be satisfied through combined financial planning and investment management fees. May be waived at firm's discretion. Fee-only: Ongoing financial planning with initial planning fee typically ranging from $2,000 to $5,000; ongoing monthly fees ranging from $500 to $2,500.
Main office
San Jose CA
Advisors at this office
3
Most active in
California · Texas
Also doing business as
Redwood Money · Redwood Money, 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
Advisors at this firm
Nathaniel S
CFP®, Series 63, Series 66
San Jose, CA
Redwood Money
Nathaniel Sarkar is a Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he is responsible for overseeing branch operations and supporting clients in achieving their financial goals. Prior to joining Fidelity Investments, Nathaniel worked at Morgan Stanley as a Business Service Officer from 2022 to 2023. He also gained experience as a Registered Associate at Wells Fargo Advisors between 2017 and 2022. Nathaniel holds a California Insurance License, which supports his work in the financial services industry. His professional approach centers on assisting clients in striving toward their financial objectives.
Jeffrey C
CFP®, Series 65
San Jose, CA
Redwood Money
Jeffrey Clark is a CFP® professional with nine years of industry experience, currently serving as an advisor at Redwood Money since 2021. Prior to this, he worked at BrightPlan LLC for five years and has held roles at ETL Property Management and Calvary Church of Los Gatos. His outside activities include managing real estate investments through ABK Property, LLC, which at times requires active involvement. Redwood Money serves individual and high-net-worth clients, charitable organizations, and businesses by providing discretionary investment management and financial planning services. The firm focuses on passive, goal-based asset allocation using low-cost, index-tracking ETFs and offers educational seminars and employer-facing presentations.
Chengkuo C
Series 65
San Jose, CA
Redwood Money
Chengkuo Chen is a financial advisor at Redwood Money in San Jose, CA, holding a Series 65 designation with one year of industry experience. Prior to joining Redwood Money, he worked at Oracle, Inc. for 17 years and has experience supporting organizations such as Google, Inc. and Union School District. Chengkuo also took a sabbatical during 2023–2024. Redwood Money serves individual and high-net-worth clients, as well as charitable organizations and businesses, providing discretionary investment management and financial planning. The firm emphasizes passive, goal-based asset allocation using low-cost, index-tracking ETFs and offers educational seminars and employer-facing presentations.
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