Varn Financial Planning
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About
Varn Financial Planning provides advice-only, project-based financial life planning and separate portfolio strategy and optimization services to individuals, high-net-worth individuals, and households seeking clarity on long-term financial decisions. Services are non-discretionary and center on delivering a one-time comprehensive financial model and written, prioritized recommendations rather than ongoing account management.
The firm’s approach emphasizes data-driven financial modeling and scenario analysis to project cash flows, net worth, and probabilities of success, and it frames portfolio recommendations to align with those plan outcomes (including diversification, bucket-based frameworks, and tax-aware asset location). Follow-up consultations are offered on an hourly basis for updates or targeted questions, while clients remain responsible for implementation and custody selection.
Distinctive features relative to peers include a combination of fixed-fee planning engagements supplemented by hourly follow-ups, an explicit avoidance of custody and discretionary portfolio management, and an absence of private fund advisory activity. The firm also highlights the principal’s background in technology program management and scenario-based planning as informing its emphasis on structured, model-driven analysis and risk assessment.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Fixed fees: $4,000 for Financial Life Planning; $3,000 for Portfolio Strategy and Optimization
$250 per hour for additional consultations
Fee-only: Fixed fee of $4,000 for Financial Life Planning; fixed fee of $3,000 for Portfolio Strategy and Optimization services
Main office
El Cerrito CA
Advisors at this office
1
Most active in
California
Also doing business as
Varn Financial Planning · Varn, Douglas Francis Ii
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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