Capital Adulting LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 1, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$250⁠-⁠$650/hr

“Our fees range from $250-$650 an hour, with an estimated scope of work agreed upon prior to proceeding.”

Monthly fee

$200⁠-⁠$800/mo

“Clients seeking an ongoing relationship with recurring milestones/reviews, we offer a Subscription Planning service, which ranges from $200-$800/month.”

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

How Capital Adulting LLC bills

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

• “Such retainer will be held until the work is completed and then applied to the final invoice, or reimbursed to you, unless otherwise agreed upon by me in my sole discretion.”
• “Upon completion of the engagement, Clients may choose to initiate an ongoing relationship via an Hourly Planning or Subscription Planning service.”
• “We charge on a 1/10th hour basis, billed on a biweekly basis.”

How Capital Adulting LLC’s fees compare

• Its hourly rate of $250-$650 spans the California median of $300. 81% of the 932 other California planners that publish an hourly rate charge less.
• 13 of the 17 other planners in Santa Barbara that publish an hourly rate charge less.
• It doesn't charge a percentage of the assets it manages, so its fee won't grow with your portfolio.

About Capital Adulting LLC

• Principal: Grant Gardner
• Solo practice: one person runs the firm, so you work directly with the planner.
• Registered as an adviser: 2025.

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• College planning
• Early retirement / FIRE
• Equity compensation
• Insurance analysis
• 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

1

Services reported to regulators

Financial planning

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

337636

Website

capitaladulting.com (opens in new tab)

Phone

(805) 364-2448

Other planners in Santa Barbara that publish fees

• Abundant Wealth Partners, LLCSanta Barbara$175⁠-⁠$500/hr, $350⁠-⁠$25,000
• Arlington Financial Advisors, LLCSanta Barbara$375/hr, $4,950⁠-⁠$10,000
• Avalan, LLCSanta Barbara$250⁠-⁠$500/hr, $500⁠-⁠$10,000
• Blom Levy & Co., LLCSanta Barbara$2,000/qtr, $8,000/yr
• Bourke Wealth ManagementSanta Barbara$350/hr, $50,000
• Castle Wealth PlanningSanta Barbara$250/hr, $10,000

Compare all 29 planners in Santa Barbara