PlannerFees

401 Financial fees and pricing

Financial planner in San Diego, California. Registered with state securities regulators.

According to its Form ADV Part 2A brochure dated March 25, 2026, 401 Financial charges $250 an hour and a flat or project fee of $500 for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 25, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate
$250/hr
“Based Financial Planning Fixed Fee Project-Based Financial Planning engagements are offered at an hourly rate of $250 per hour.”
Flat or project fee
$500
“The fee for Financial Planning generally consists of a flat fee of $500 for routine services that is paid monthly, in arrears.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How 401 Financial bills

Payment and refund terms, quoted from the fee section of the brochure.

  • “Actual Fees and the terms of payment are negotiable.”
  • “An account may be terminated with written notice at least 15 calendar days in advance.”

How 401 Financial’s fees compare

  • Its hourly rate of $250 is below the California median of $300. 19% of the 932 other California planners that publish an hourly rate charge less.
  • 14 of the 73 other planners in San Diego that publish an hourly rate charge less.
  • Its flat or project fee of $500 is below the California median of $5,000. 3% of the 796 other California planners that publish a flat or project fee charge less.
  • 2 of the 68 other planners in San Diego that publish a flat or project fee charge less.
  • It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About 401 Financial

“We are in the business of providing financial planning, financial consulting and financial education to Clients.”
From the firm's description of its advisory business in its Form ADV brochure.
  • Firm size: 3 employees.
  • Credentials named in the brochure: CFP®.
  • Registered as an adviser: 2022 (4 years).

Planning areas mentioned in the brochure

  • Retirement planning
  • Tax planning
  • Estate planning
  • College planning
  • Business owners
  • Equity compensation
  • Cash flow and budgeting

Firm details from Form ADV

How the firm is paid
Hourly fees, fixed or flat fees
Charges a % of assets
No
Employees
3
Services reported to regulators
Financial planning, portfolio management for individuals and small businesses, and educational seminars and workshops
Registered with
State securities regulators
Disciplinary disclosures
None reported
SEC CRD number
321902
Website
twitter.com/401Financial (opens in new tab)
Phone
(732) 965-3791

Other planners in San Diego that publish fees

Compare all 130 planners in San Diego

Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.