Stellar Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Stellar Financial Planning is a fee-only financial planning and wealth management firm that serves individual and high‑net‑worth clients. The firm manages about $10.37 million in discretionary assets and provides financial planning and portfolio management, typically operating under limited power of attorney for discretionary trading.
The firm tailors strategies to each client's goals and values, combining bottom‑up and top‑down security selection, early use of broadly diversified mutual funds, and later selective purchase of individual equities with a contrarian/value orientation. New clients complete detailed questionnaires and extended education, and the firm emphasizes gradual portfolio building and generally infrequent trading.
The brochure discloses a 2018 Consent Order with the California Department of Business Oversight for accessing client accounts, which the firm describes as an administrative error, has ceased the practice, and paid a $2,000 fine; such a disclosure is uncommon among peers. The firm also states that its principals invest alongside clients and maintains a very small client base with intensive early engagement, resulting in comparatively concentrated client relationships.
Client services
Expertise
Fee options
Fixed fees for specific projects on a case-by-case basis; $500 New Client Review fee (may be applied to first year's BAM)
$0+: 2% initial year maximum +: 1% maximum subsequent years, possibly lower based on assets and tenure
Hourly fees up to $400 or less depending on scope
Fee-only: Fee-only firm; no commissions or sales charges
Main office
Fremont CA
Advisors at this office
1
Most active in
California
Also doing business as
Starr, Michael K., Dba Stellar Financial Planning · Starr, Michael, Dba Stellar Financial Planning · Stellar Financial Planning
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
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