St. Clair Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
St. Clair Financial serves individuals, high-net-worth individuals, and charitable organizations with coordinated financial planning, investment consulting, and both discretionary and non-discretionary portfolio management. The firm advises across a broad set of investment vehicles — including mutual funds, ETFs, stocks, bonds, REITs, and certain insurance products — and may recommend or retain third-party advisers for portions of client portfolios.
The firm’s planning approach seeks to integrate investment, tax, pension, mortgage, and spending considerations into a decision-ready framework and emphasizes risk-based, diversified allocations implemented primarily through mutual funds and ETFs. Ongoing account oversight includes annual reviews, event-driven updates, and operational support for trading and rebalancing via a third-party back-office provider (Elk Ridge Financial Service).
A distinctive feature is that the principal operates proprietary debt- and mortgage-management platforms (MortgageNudge and DebtToolz4Advisors) that provide software, training, and support and may generate separate compensation; the brochure discloses these ancillary activities and the firm’s processes for addressing the resulting conflicts. The firm also offers a one-time, free general planning meeting for qualified lower-income individuals and clients’ young adult children, a service not commonly offered by peer supported firms.
Client services
Expertise
Fee options
Flat fees for financial planning services generally range from $4,500 to $7,500 for initial assessment; ongoing flat fees range from $4,500 to $15,000 annually.
Hourly fees generally range from $275 to $625 per hour.
Fee-only: Flat fees generally range from $4,500 to $7,500 for initial financial assessment; ongoing financial planning fees range from $4,500 to $15,000 annually.
Main office
2140 Professional Drive, Suite 250
Roseville CA 95661
Advisors at this office
2
Most active in
California · Texas
Also doing business as
Donald L. St. Clair, Cfp · Donald L. St. Clair, Cfp, Ea · St. Clair Financial · St. Clair Financial LLC · St. Clair Jr., Donald L. · St. Clair Jr., Donald Lee
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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.
Advisors at this firm
Donald S
CFP®, Series 63, Series 65
Roseville, CA
St. Clair Financial
Donald St. Clair is a CFP®-certified financial advisor with 31 years of industry experience. He is the owner of St. Clair Financial in Roseville, CA, where he has worked since 2010. Prior to founding his firm, he was associated with National Planning Corporation for nearly two decades. Outside of his advisory work, he is the owner and CEO of MortgageNudge®, a technology company focused on mortgage and debt management tools. St. Clair Financial provides financial planning and investment consulting to individuals, high-net-worth clients, and charitable organizations. The firm emphasizes diversified, risk-based portfolios and offers services including retirement planning, Social Security analysis, and employee stock option guidance, while acting as a fiduciary for retirement accounts.
Andrea H
CFP®, Series 63, Series 65
Roseville, CA
St. Clair Financial
Andrea Hilderbrand is a CFP® professional with over 20 years of experience at St. Clair Financial, where she currently serves as the sole advisor. She also worked at Turbo Tax for five years. St. Clair Financial provides financial planning and investment consulting to individuals, high-net-worth clients, and charitable organizations. The firm offers diversified, risk-based portfolios and a range of services including retirement planning, tax-adjusted cash flow analysis, and employee stock option guidance.
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