Fullguards Financial fees and pricing

Financial planner in Santa Cruz, California. Registered with state securities regulators.

According to its Form ADV Part 2A brochure dated September 13, 2026, Fullguards Financial charges $250 an hour for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed September 13, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate: $250/hr; “A $250 hourly rate may be used for long-term clients with a relationship exceeding five years.”

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

“The fee is generally applied as a flat percentage across the qualifying balance, is negotiable, and is intended to include ongoing comprehensive wealth planning and applicable external TAMP or institutional platform expenses.”
“CRD 325399 | August 31, 2026 | Page 7 of 14 FULLGUARDS FINANCIAL | FORM ADV PART 2A - FIRM BROCHURE are negotiable and are documented in the agreement with the plan sponsor.”
“Billing and Fee Deduction Asset-based advisory fees are generally billed monthly in arrears and may be deducted directly from client accounts when the client has provided written authorization.”

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.
1 of the 3 other planners in Santa Cruz that publish an hourly rate charge less.

“FullGuards Financial provides comprehensive and modular financial planning to individuals and families.”

From the firm's description of its advisory business in its Form ADV brochure.

Solo practice: one person runs the firm, so you work directly with the planner.
Registered as an adviser: 2023 (3 years).

How the firm is paid: Hourly fees, fixed or flat fees, percentage of assets under management
Charges a % of assets: Yes
Highest asset based fee in brochure: 1.2% a year
Clients: 15
Employees: 1
Works with: Individuals and high net worth individuals
Services reported to regulators: Financial planning, portfolio management for individuals and small businesses, and educational seminars and workshops
Assets managed: $7,386,106
Registered with: State securities regulators
Disciplinary disclosures: None reported
SEC CRD number: 325399
Website: fullguards.com (opens in new tab)
Phone: (831) 425-9886

Can advise clients in 2 states: California, Oregon

Is something on this page wrong or out of date?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.