Wright Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Wright Financial provides personalized financial planning and investment management to individuals, trusts, estates and small businesses, managing about $76 million for roughly 120 clients. The firm offers comprehensive planning services (cash flow, tax, retirement, education and estate work) and also facilitates purchases of commissionable products and insurance when deemed suitable.
The firm manages client assets on a primarily non‑discretionary basis, documenting goals with an Expectations Questionnaire and an Investment Policy Statement and obtaining client approval prior to trades. Its investment process is grounded in Modern Portfolio Theory with a core‑and‑satellite asset allocation using mutual funds, ETFs and variable insurance subaccounts, and it uses Monte Carlo simulation for retirement distribution analysis and conducts at least quarterly reviews.
Distinctive operational features include that the advisor is also a registered representative of a broker‑dealer and a licensed insurance agent, which the firm discloses and addresses through prospectus receipts and suitability documentation when recommending commissionable products. The firm runs periodic, no‑cost educational seminars for IMS clients and has an explicit practice of waiving an account’s IMS fee for the year following receipt of sponsor compensation for that account; it reports that compensation from sponsors does not exceed half of firm revenue.
Client services
Expertise
Fee options
Flat fee of $1,200 for financial planning (negotiable).
$0 - $250,000: Tactical Level: 1.35% - 1.70% depending on service tier $250,000 - $1,000,000: Strategic Level: 1.05% - 1.30% depending on service tier $1,000,000+: Stewardship Level: 0.77% - 0.95% depending on service tier
Commissions received from certain load mutual funds, insurance products, and Direct Participation Programs (DPPs) as disclosed.
$300 per hour for follow-up implementation work or hourly agreement when appropriate.
Account minimum: $250,000 Fee-only: Investment Monitoring Service (IMS) fees ranging from 0.77% to 1.70% annually based on asset level and service tier; hourly fees $300/hour; flat fee $1,200 for financial plan.
Main office
395 Taylor Blvd., Suite 107
Pleasant Hill CA 94523
Advisors at this office
1
Most active in
California
Also doing business as
Richard Seel, Cfp, Csa · Richard Seel, Csa · Richard Warren Seel, Jr · Seel & Wright, LLC · Seel, Richard Warren Jr · Senior Wealth Management · Senior Wealth Management, LLC · Wright Financial, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is 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.
Is not active or affiliated with:
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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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