Kobata Financial fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed January 29, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$125/hr

“Comprehensive and Modular Planning Services are billed at the hourly rate of $125.00 per hour or at a flat fee that ranges between $250.00 and $2500.00.”

Flat or project fee

$250⁠-⁠$2,500

From the same sentence as above.

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

How Kobata Financial bills

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

• “Fees for planning services are negotiable and based on the complexity of each individual client’s situation.”
• “No fees are payable at the initial consultation.”
• “The full fee will be directly billed to the client and due within 30 days of a financial plan being delivered or consultation rendered.”

How Kobata Financial’s fees compare

• Its hourly rate of $125 is below the California median of $300. 2% of the 932 other California planners that publish an hourly rate charge less.
• None of the 2 other planners in Atascadero that publish an hourly rate charge less.
• Its flat or project fee of $250-$2,500 is below the California median of $5,000. 13% of the 796 other California planners 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 Kobata Financial

• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: CFP®.
• Registered as an adviser: 1998 (28 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning
• Estate planning

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

112001

Website

kobatafinancial.com (opens in new tab)

Phone

(805) 460-0597

Other planners in Atascadero that publish fees

• Altus Wealth SolutionsAtascadero$240/hr, $200⁠-⁠$3,600/mo
• Slo Money ManagersAtascadero$250/hr, $250⁠-⁠$10,000
• 10/28 Wealth Management LLCOceanside$300/hr, $500⁠-⁠$10,000
• 360DividendsGranite Bay$300/hr, $2,500⁠-⁠$10,000
• 3D Holistic WealthIrvine$300/hr, $1,500⁠-⁠$10,000
• 401 FinancialSan Diego$250/hr, $500

Compare all 4 planners in Atascadero