Wealth One Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Wealth One Advisors provides financial planning and consulting to individuals, high‑net‑worth households, trusts, estates and certain pension or profit‑sharing plans, focusing on retirement, estate and protection planning analyses. The firm offers written plans and consulting engagements only and does not manage client assets or accept custody of client funds.
The adviser uses both fundamental and technical analysis when evaluating investments and considers mutual funds, ETFs, variable annuities, municipal and corporate debt and private placements as appropriate. Recommended strategies are tailored to clients’ financial and tax situations with an emphasis on long‑term asset allocation and periodic rebalancing; the firm does not engage in frequent trading.
Notably, the firm does not provide portfolio management for individual accounts and does not bill on a percentage‑of‑assets‑under‑management basis, which is uncommon among independent solo advisers. The sole adviser holds professional credentials (CFP and GEPC), has a record of public education and publication on retirement and estate topics, and discloses affiliated brokerage and insurance activities through a broker‑dealer and insurance appointments — conflicts that are disclosed and for which clients are informed they may choose other providers.
Client services
Expertise
Fee options
Base fee of $750 for a written financial plan; $250 for each additional planning module
Associated persons may receive brokerage or mutual fund trail commissions through LPL Financial
$175 per hour for financial planning consultations
Minimum fee: Base fee of $750 for a written financial plan Fee-only: Financial planning consultations at $175 per hour
Main office
Fallbrook CA
Advisors at this office
1
Most active in
California
Also doing business as
Alvarado, Rick · Wealth One Advisors
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)