True Wave Financial Planners
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$402,120,862
Clients
922
Advisors
3
of 6 employees
About
True Wave Financial Planners primarily serves individual clients — including high‑net‑worth households — as well as retirement plans and small businesses. The firm offers model‑based portfolio management, selection and monitoring of third‑party money managers, and written financial planning engagements.
The firm delivers advice mainly through goal‑oriented model portfolios managed on a discretionary basis, using asset allocation, mutual fund/ETF analysis and longer‑term purchase strategies, and adjusts equity exposure as its assessment of market risk changes. Clients receive ongoing supervision with at least annual suitability reviews and quarterly reporting, and may place reasonable investment restrictions on their accounts.
Noteworthy operational features include a relatively large asset base managed by a small adviser team (approximately $456 million in client assets, largely discretionary) and the use of solicitor arrangements with third‑party managers for which the firm receives a portion of the manager’s fee, a disclosed conflict of interest the firm monitors. The firm also offers access to an affiliated tax‑preparation resource via an enrolled agent, implements client trades separately rather than routinely blocking/aggregating orders, and does not vote client proxies.
Client services
Expertise
Fee options
Financial Planning fixed fees generally range from $1,000 to $4,500
$0 - $250,000: 1.50% $250,001 - $500,000: 1.40% $500,001 - $750,000: 1.00% $750,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $2,500,000: 0.80% $2,500,001 - $3,000,000: 0.80% $3,000,001 - $4,000,000: 0.70% $4,000,001 - $5,000,000: 0.65% $5,000,001 - $6,000,000: 0.50% $6,000,001 - $7,000,000: 0.45% $7,000,001 - $8,000,000: 0.40% $8,000,001 - $9,000,000: 0.40% $9,000,001 - $10,000,000: 0.40% $10,000,001+: 0.30%
Up to $250 per hour for Financial Planning services
Account minimum: $250,000 Fee-only: Financial Planning fees charged hourly up to $250/hour or fixed fees from $1,000 to $4,500
Main office
1545 River Park Drive, Suite 401
Sacramento CA 95815
Advisors at this office
3
Most active in
California · Texas
Also doing business as
Lucas Group Financial Planners, Inc. · True Wave Financial Planners · True Wave Wealth Planners
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.
Advisors at this firm
Todd H
CFP®, Series 63, Series 65
Sacramento, CA
True Wave Financial Planners
Todd Hadley is a CFP® with 25 years of experience in the financial services industry. He is affiliated with True Wave Financial Planners and has previously worked at Lucas Group Financial Planners, Inc. and Securities Service Network, Inc. Hadley also operates Hadley Tax Consulting, providing tax advising and preparation services. True Wave Financial Planners serves individual clients, including high-net-worth households, as well as retirement plans and small businesses. The firm uses goal-oriented, model-based portfolio management with discretionary asset allocation and ongoing supervision, combining third-party money manager selection and written financial planning.
Paola Q
Series 65
Sacramento, CA
True Wave Financial Planners
Paola Quintero Salazar is a financial advisor at True Wave Financial Planners with a Series 65 credential and three years of industry experience. She previously worked at Lucas Group Financial Planners, Inc. and provided financial wellness services at Sacramento State. True Wave Financial Planners serves individual clients, including high-net-worth households, as well as retirement plans and small businesses, offering model-based portfolio management and financial planning with a focus on goal-oriented, discretionary investment strategies.
Matthew P
CFP®, Series 63, Series 66
Sacramento, CA
True Wave Financial Planners
Matthew Page is a Certified Financial Planner (CFP®) with 23 years of industry experience. He currently works at True Wave Financial Planners and has previously been with Lucas Group Financial Planners, Inc. and Securities Service Network, Inc. He serves as a board member of the Sacramento Estate Planning Council and is president of the Financial Planning Association Northern California Chapter. True Wave Financial Planners primarily serves individual clients, including high-net-worth households, as well as retirement plans and small businesses. The firm uses goal-oriented model portfolios managed on a discretionary basis, combining asset allocation and mutual fund/ETF analysis, with ongoing supervision and customized investment restrictions.
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