Your Money Coach Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Your Money Coach Financial Services provides financial planning and consulting to individuals, families and high‑net‑worth clients across a range of life stages from young adults to retirees. Services documented in the brochure include as‑needed investment portfolio review and monitoring, written financial plans covering cash flow, retirement, tax, estate and insurance planning, and asset allocation advice delivered on an hourly or negotiated fixed‑fee basis rather than as a percentage of assets.
The firm’s investment approach is fundamental and long‑term with a passive, buy‑and‑hold emphasis on low‑cost stock and bond mutual funds and diversified asset allocation determined via a risk‑tolerance questionnaire and review of client documents; recommendations can include specific securities (including ticker symbols) and suggested annual rebalancing. The firm does not provide discretionary portfolio management or take custody of client assets and conducts transactions through a preferred broker‑dealer relationship, which the brochure discloses can result in commissions, 12b‑1 payments and other soft‑dollar benefits.
Distinctive features noted in the brochure include a 2023 disciplinary action by the California Department of Financial Protection and Innovation — a $500 fine for a late FINRA annual amendment filing — and the firm’s explicit avoidance of percentage‑of‑assets fees, a model common among peers. The brochure also highlights the firm’s broker‑dealer affiliation for execution and the expectation that clients generally implement recommended actions themselves unless a separate ongoing agreement is made.
Client services
Expertise
Fee options
Fixed fees negotiated per financial planning agreement
May receive commissions from insurance sales, mutual fund 12b-1 fees, and LPL Financial affiliates
Hourly consulting fee up to $200 per hour, subject to negotiation
Fee-only: Hourly fee up to $200 per hour; fixed fees also offered as negotiated
Main office
Moorpark CA
Advisors at this office
1
Most active in
California
Also doing business as
Douglas M. Fair · Fair, Douglas Martin · Your Money Coach Financial Services
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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