Insight Personal Finance fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed January 21, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$375⁠-⁠$550/hr

“Financial Planning fee is an hourly rate between $375.00 and $550.00 per hour.”

Flat or project fee

$3,000⁠-⁠$12,000

“The fixed fee can range between $3,000 and $12,000 for individuals and between $5,000 and $15,000 for couples and families.”

Monthly fee

$50⁠-⁠$500/mo

“This subscription service consists of an ongoing fee that is paid monthly, in advance, at the rate of $50-$500 per month.”

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

How Insight Personal Finance bills

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

• “The fee may be negotiable in certain cases.”
• “The fee may be paid by either check or through an unaffiliated payment processing service.”
• “If a fixed fee program is chosen, half of the fee is due at the beginning of process and the remainder is due at completion of work, however, Insight will not bill an amount above $500.00 more than 6 months in advance.”

How Insight Personal Finance’s fees compare

• Its hourly rate of $375-$550 is above the California median of $300. 84% of the 932 other California planners that publish an hourly rate charge less.
• 28 of the 35 other planners in San Francisco that publish an hourly rate charge less.
• Its flat or project fee of $3,000-$12,000 spans the California median of $5,000. 71% of the 796 other California planners that publish a flat or project fee charge less.
• 19 of the 35 other planners in San Francisco that publish a flat or project fee charge less.

About Insight Personal Finance

• Principal: Christina Empedocles
• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Registered as an adviser: 2017 (9 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning
• Business owners
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Hourly fees, fixed or flat fees, subscription fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.5% a year

Clients

10

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

$5,888,088

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

288585

Website

insightpersonalfinance.com (opens in new tab)

Phone

(415) 819-8856

Other planners in San Francisco that publish fees

• Amoretti Capital ManagementSan Francisco$450/hr
• Applied AdvisorSan Francisco$285/hr, $285
• Benningfield Financial Advisors, LLCSan Francisco$375/hr, $7,500/qtr
• Berkeley Investment AdvisorsSan Francisco$6,000/yr
• BPM Wealth Advisors, LLCSan Francisco$250⁠-⁠$50,000
• Bridgelane FinancialSan Francisco$500/hr, $5,000⁠-⁠$20,000

Compare all 107 planners in San Francisco