Wildflower Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Wildflower Financial provides comprehensive financial life planning and related services to individuals and families, including high‑net‑worth clients. The firm’s advisory offering covers retirement and estate planning, cash‑flow and debt management, business and divorce planning, and it also provides tax consulting and preparation services.
The firm follows a passive, globally diversified investment approach using low‑cost index mutual funds and ETFs and emphasizes tax‑aware asset allocation. Investment management is delivered primarily on a non‑discretionary basis—clients authorize each implementation—and fees are billed through flat subscription/retainer arrangements rather than percentage‑of‑AUM charges.
Noteworthy features include a small client roster and approximately $11.8 million in reported assets under management, a fee‑only fiduciary framework, and the combination of financial planning with in‑house tax services (including an enrolled agent). The firm also conducts educational seminars and paid speaking engagements and provides planning for specialized circumstances such as business owners and divorce.
Client services
Expertise
Fee options
Comprehensive financial life planning charged as a flat annual fee (initial up to $5,000 plus ongoing annual fee); educational seminars fees range $0 to $1,000 per seminar or $0 to $200 per participant; speaking engagements fees range from free to $10,000 plus travel expenses.
$400 per hour for financial planning services in special circumstances with consent.
Ongoing annual fee for financial planning (retainer) in the range $7,200 to $30,000 annually, billed monthly or quarterly in advance. Investment management fees included in subscription fee and not based on AUM.
Fee-only: Initial fee $0 - $5,000; ongoing annual fee $7,200 to $30,000 per year ($600 to $2,500 per month), negotiable, billed monthly or quarterly in advance.
Main office
120 Church Street
Santa Cruz CA 95060
Advisors at this office
1
Most active in
California · Texas
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
Quick links
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