True Wave Financial Planners fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed August 19, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$250/hr

“Our Financial Planning fees are calculated and charged on an hourly basis, not to exceed $250 per hour.”

Flat or project fee

$1,000⁠-⁠$4,500

“Our Financial Planning fees are calculated and charged on a fixed fee basis, typically ranging from $1,000 to $4,500, depending on the specific arrangement reached with the client.”

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

How True Wave Financial Planners bills

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

• “The balance is due upon completion of the plan.”

How True Wave Financial Planners’ 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.
• 2 of the 10 other planners in Sacramento that publish an hourly rate charge less.
• Its flat or project fee of $1,000-$4,500 is below the California median of $5,000. 28% of the 796 other California planners that publish a flat or project fee charge less.
• 6 of the 12 other planners in Sacramento that publish a flat or project fee charge less.

About True Wave Financial Planners

• Firm size: 6 employees.
• Registered as an adviser: 2018 (8 years).

Firm details from Form ADV

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

1.5% a year

Clients

922

Employees

6

Works with

Individuals, high net worth individuals, pension and profit sharing plans, and businesses

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other advisers

Assets managed

$456,454,693

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

130163

Website

truewavefinancial.com (opens in new tab)

Phone

(916) 921-9220

Can advise clients in 2 states: California, Texas

Other planners in Sacramento that publish fees

• Baluden FinancialSacramento$1,500⁠-⁠$2,400
• Boyd Wealth Management, LLCSacramento$5,000, $20,000/yr
• Burge FinancialSacramento$300/hr
• Deeringer Wealth Management, LLCSacramento$300⁠-⁠$350/hr, $2,000
• Endeavor Financial PlanningSacramento$300/hr, $3,000⁠-⁠$5,000/yr
• Financial ClientSacramento$299/mo

Compare all 23 planners in Sacramento