# Financial advisors for retirement plans in San Jose, CA

> AdvisorCensus lists 34 investment advisory firms with a principal office in the San Jose metro area that report retirement plans among their clients on Form ADV Item 5.D, from filings as of October 2026. Item 5.D asks each firm which types of clients it advises; reporting a client type means the firm serves it, not that it serves only that type. Firms are listed alphabetically; each firm's page lists its client types as filed.

Source: Form ADV filings as of October 2026. Rebuilt monthly. HTML page: https://advisorcensus.com/advisors/ca/san-jose/for-retirement-plans

## At a glance

- Investment advisory firms: 34
- Registration: SEC-registered investment adviser: 25, State-registered investment adviser: 9
- How firms are compensated (Form ADV Item 5.E; shares of the firms that file it): Fee-only (AdvisorCensus test) 14 (41%); Percentage of assets 33 (97%); Hourly charges 16 (47%); Subscription fees (newsletter or periodical) 1 (3%); Fixed fees 20 (59%); Commissions 2 (6%); Performance-based fees 3 (9%); Other 3 (9%)
- Regulatory assets under management (Item 5.F): Under $25 million 3 (9%); $25 million to $100 million 5 (15%); $100 million to $500 million 11 (32%); $500 million to $1 billion 6 (18%); $1 billion to $5 billion 6 (18%); Over $5 billion 1 (3%); Not reported 2 (6%)
- Years registered: Under 5 years 9 (26%); 5 to 9 years 4 (12%); 10 to 19 years 13 (38%); 20 years or more 8 (24%)

## Firms (page 1 of 1, 1 to 34 of 34, sorted by name)

| Firm | CRD | City | Registration | Assets band | Years registered | Compensation |
| --- | --- | --- | --- | --- | --- | --- |
| [Abundit Wealth](https://advisorcensus.com/firm/abundit-wealth-san-jose-ca-329268) ([md](https://advisorcensus.com/firm/abundit-wealth-san-jose-ca-329268.md)) | 329268 | San Jose, CA | State-registered investment adviser | Under $25 million | 2 | % of assets, Fixed fee |
| [Agata Investments LLC](https://advisorcensus.com/firm/agata-investments-llc-saratoga-ca-318275) ([md](https://advisorcensus.com/firm/agata-investments-llc-saratoga-ca-318275.md)) | 318275 | Saratoga, CA | State-registered investment adviser | Not reported | 4 | Hourly, Fixed fee |
| [Altos Financial Management, LLC](https://advisorcensus.com/firm/altos-financial-management-llc-san-jose-ca-107602) ([md](https://advisorcensus.com/firm/altos-financial-management-llc-san-jose-ca-107602.md)) | 107602 | San Jose, CA | State-registered investment adviser | $25 million to $100 million | 14 | % of assets, Hourly |
| [Aria Wealth Management](https://advisorcensus.com/firm/aria-wealth-management-saratoga-ca-288450) ([md](https://advisorcensus.com/firm/aria-wealth-management-saratoga-ca-288450.md)) | 288450 | Saratoga, CA | SEC-registered investment adviser | $100 million to $500 million | 9 | % of assets, Hourly |
| [ASL Financial, LLC](https://advisorcensus.com/firm/asl-financial-llc-los-gatos-ca-115479) ([md](https://advisorcensus.com/firm/asl-financial-llc-los-gatos-ca-115479.md)) | 115479 | Los Gatos, CA | SEC-registered investment adviser | $100 million to $500 million | 5 | % of assets, Hourly, Fixed fee |
| [Betterwealth LLC](https://advisorcensus.com/firm/betterwealth-llc-san-jose-ca-226661) ([md](https://advisorcensus.com/firm/betterwealth-llc-san-jose-ca-226661.md)) | 226661 | San Jose, CA | SEC-registered investment adviser | $500 million to $1 billion | 11 | % of assets |
| [Changing Parameters, LLC](https://advisorcensus.com/firm/changing-parameters-llc-los-altos-ca-132551) ([md](https://advisorcensus.com/firm/changing-parameters-llc-los-altos-ca-132551.md)) | 132551 | Los Altos, CA | SEC-registered investment adviser | $100 million to $500 million | 22 | % of assets |
| [Clarity Wealth Advisors](https://advisorcensus.com/firm/clarity-wealth-advisors-san-jose-ca-157913) ([md](https://advisorcensus.com/firm/clarity-wealth-advisors-san-jose-ca-157913.md)) | 157913 | San Jose, CA | SEC-registered investment adviser | $500 million to $1 billion | 12 | % of assets, Fixed fee |
| [Concentrum Wealth Management](https://advisorcensus.com/firm/concentrum-wealth-management-san-jose-ca-167151) ([md](https://advisorcensus.com/firm/concentrum-wealth-management-san-jose-ca-167151.md)) | 167151 | San Jose, CA | SEC-registered investment adviser | $500 million to $1 billion | 13 | % of assets, Hourly, Fixed fee |
| [Cornerstone Capital, Inc.](https://advisorcensus.com/firm/cornerstone-capital-inc-palo-alto-ca-105396) ([md](https://advisorcensus.com/firm/cornerstone-capital-inc-palo-alto-ca-105396.md)) | 105396 | Palo Alto, CA | SEC-registered investment adviser | $1 billion to $5 billion | 48 | % of assets, Fixed fee |
| [DWR Wealth Management, LLC](https://advisorcensus.com/firm/dwr-wealth-management-llc-san-jose-ca-133743) ([md](https://advisorcensus.com/firm/dwr-wealth-management-llc-san-jose-ca-133743.md)) | 133743 | San Jose, CA | SEC-registered investment adviser | $100 million to $500 million | 5 | % of assets, Hourly, Fixed fee |
| [Edelman Financial Engines](https://advisorcensus.com/firm/edelman-financial-engines-santa-clara-ca-104510) ([md](https://advisorcensus.com/firm/edelman-financial-engines-santa-clara-ca-104510.md)) | 104510 | Santa Clara, CA | SEC-registered investment adviser | Over $5 billion | 28 | % of assets, Hourly, Subscription, Fixed fee, Other |
| [Entrust Investment Services, Inc](https://advisorcensus.com/firm/entrust-investment-services-inc-campbell-ca-324860) ([md](https://advisorcensus.com/firm/entrust-investment-services-inc-campbell-ca-324860.md)) | 324860 | Campbell, CA | SEC-registered investment adviser | $100 million to $500 million | 2 | % of assets, Hourly |
| [Evla Hills Equity Services LLC](https://advisorcensus.com/firm/evla-hills-equity-services-llc-saratoga-ca-142446) ([md](https://advisorcensus.com/firm/evla-hills-equity-services-llc-saratoga-ca-142446.md)) | 142446 | Saratoga, CA | State-registered investment adviser | $25 million to $100 million | 19 | % of assets, Performance fee |
| [Firsthand Capital Management, Inc.](https://advisorcensus.com/firm/firsthand-capital-management-inc-san-jose-ca-150647) ([md](https://advisorcensus.com/firm/firsthand-capital-management-inc-san-jose-ca-150647.md)) | 150647 | San Jose, CA | SEC-registered investment adviser | $25 million to $100 million | 17 | % of assets, Performance fee |
| [Heckman Financial & Insurance Services, Inc.](https://advisorcensus.com/firm/heckman-financial-and-insurance-services-inc-san-jose-ca-111549) ([md](https://advisorcensus.com/firm/heckman-financial-and-insurance-services-inc-san-jose-ca-111549.md)) | 111549 | San Jose, CA | SEC-registered investment adviser | $100 million to $500 million | 1 | % of assets, Hourly, Fixed fee |
| [Honu Wealth Management](https://advisorcensus.com/firm/honu-wealth-management-sunnyvale-ca-142563) ([md](https://advisorcensus.com/firm/honu-wealth-management-sunnyvale-ca-142563.md)) | 142563 | Sunnyvale, CA | SEC-registered investment adviser | $100 million to $500 million | 1 | % of assets, Hourly, Fixed fee |
| [Integral Financial LLC](https://advisorcensus.com/firm/integral-financial-llc-cupertino-ca-120343) ([md](https://advisorcensus.com/firm/integral-financial-llc-cupertino-ca-120343.md)) | 120343 | Cupertino, CA | State-registered investment adviser | Not reported | 19 | % of assets, Hourly, Commissions |
| [James A. Jimenez](https://advisorcensus.com/firm/james-a-jimenez-san-jose-ca-136200) ([md](https://advisorcensus.com/firm/james-a-jimenez-san-jose-ca-136200.md)) | 136200 | San Jose, CA | State-registered investment adviser | Under $25 million | 29 | % of assets |
| [Johnson Lyman Wealth Advisors](https://advisorcensus.com/firm/johnson-lyman-wealth-advisors-los-altos-ca-150150) ([md](https://advisorcensus.com/firm/johnson-lyman-wealth-advisors-los-altos-ca-150150.md)) | 150150 | Los Altos, CA | SEC-registered investment adviser | $100 million to $500 million | 17 | % of assets, Fixed fee |
| [Legacy Capital Group California, Inc.](https://advisorcensus.com/firm/legacy-capital-group-california-inc-los-gatos-ca-111436) ([md](https://advisorcensus.com/firm/legacy-capital-group-california-inc-los-gatos-ca-111436.md)) | 111436 | Los Gatos, CA | SEC-registered investment adviser | $500 million to $1 billion | 18 | % of assets, Fixed fee, Commissions, Other |
| [Mayfield Advisors, Inc.](https://advisorcensus.com/firm/mayfield-advisors-inc-palo-alto-ca-144072) ([md](https://advisorcensus.com/firm/mayfield-advisors-inc-palo-alto-ca-144072.md)) | 144072 | Palo Alto, CA | SEC-registered investment adviser | $100 million to $500 million | 4 | % of assets, Hourly, Fixed fee |
| [Money Intelligence](https://advisorcensus.com/firm/money-intelligence-santa-clara-ca-164597) ([md](https://advisorcensus.com/firm/money-intelligence-santa-clara-ca-164597.md)) | 164597 | Santa Clara, CA | State-registered investment adviser | $100 million to $500 million | 12 | % of assets, Hourly, Fixed fee |
| [Olma Advisors](https://advisorcensus.com/firm/olma-advisors-los-gatos-ca-306220) ([md](https://advisorcensus.com/firm/olma-advisors-los-gatos-ca-306220.md)) | 306220 | Los Gatos, CA | State-registered investment adviser | Under $25 million | 6 | % of assets, Hourly, Fixed fee, Other |
| [Orchard City Wealth Management, LLC](https://advisorcensus.com/firm/orchard-city-wealth-management-llc-los-gatos-ca-292274) ([md](https://advisorcensus.com/firm/orchard-city-wealth-management-llc-los-gatos-ca-292274.md)) | 292274 | Los Gatos, CA | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets, Hourly, Fixed fee |
| [Potentia Wealth](https://advisorcensus.com/firm/potentia-wealth-san-jose-ca-329135) ([md](https://advisorcensus.com/firm/potentia-wealth-san-jose-ca-329135.md)) | 329135 | San Jose, CA | SEC-registered investment adviser | $500 million to $1 billion | 2 | % of assets, Fixed fee |
| [Pruneyard Financial Group, Inc.](https://advisorcensus.com/firm/pruneyard-financial-group-inc-cupertino-ca-117378) ([md](https://advisorcensus.com/firm/pruneyard-financial-group-inc-cupertino-ca-117378.md)) | 117378 | Cupertino, CA | SEC-registered investment adviser | $25 million to $100 million | 24 | % of assets |
| [Rebalance LLC](https://advisorcensus.com/firm/rebalance-llc-palo-alto-ca-158242) ([md](https://advisorcensus.com/firm/rebalance-llc-palo-alto-ca-158242.md)) | 158242 | Palo Alto, CA | SEC-registered investment adviser | $1 billion to $5 billion | 15 | % of assets, Fixed fee |
| [Riley Friedman Asset Management](https://advisorcensus.com/firm/riley-friedman-asset-management-los-altos-ca-155810) ([md](https://advisorcensus.com/firm/riley-friedman-asset-management-los-altos-ca-155810.md)) | 155810 | Los Altos, CA | SEC-registered investment adviser | $500 million to $1 billion | 15 | % of assets |
| [Saratoga Research & Investment Management](https://advisorcensus.com/firm/saratoga-research-and-investment-management-saratoga-ca-110506) ([md](https://advisorcensus.com/firm/saratoga-research-and-investment-management-saratoga-ca-110506.md)) | 110506 | Saratoga, CA | SEC-registered investment adviser | $1 billion to $5 billion | 26 | % of assets |
| [Scharf Investments, LLC](https://advisorcensus.com/firm/scharf-investments-llc-los-gatos-ca-105508) ([md](https://advisorcensus.com/firm/scharf-investments-llc-los-gatos-ca-105508.md)) | 105508 | Los Gatos, CA | SEC-registered investment adviser | $1 billion to $5 billion | 43 | % of assets, Fixed fee, Performance fee |
| [Silicon Valley Capital Partners, L.P.](https://advisorcensus.com/firm/silicon-valley-capital-partners-l-p-san-jose-ca-125114) ([md](https://advisorcensus.com/firm/silicon-valley-capital-partners-l-p-san-jose-ca-125114.md)) | 125114 | San Jose, CA | SEC-registered investment adviser | $1 billion to $5 billion | 23 | % of assets |
| [SP Asset Management LLC](https://advisorcensus.com/firm/sp-asset-management-llc-cupertino-ca-323369) ([md](https://advisorcensus.com/firm/sp-asset-management-llc-cupertino-ca-323369.md)) | 323369 | Cupertino, CA | SEC-registered investment adviser | $1 billion to $5 billion | 3 | % of assets |
| [Whitespace Financial, LLC](https://advisorcensus.com/firm/whitespace-financial-llc-palo-alto-ca-149069) ([md](https://advisorcensus.com/firm/whitespace-financial-llc-palo-alto-ca-149069.md)) | 149069 | Palo Alto, CA | State-registered investment adviser | $25 million to $100 million | 16 | % of assets, Hourly, Fixed fee |

## Questions people ask

**Which financial advisors in San Jose, CA work with retirement plans?**
34 investment advisory firms with a principal office in the San Jose metro area report retirement plans among their clients on Form ADV Item 5.D, as of October 2026; this page lists them. Form ADV Item 5.D asks every registered adviser which types of clients it advises, with the number of each and the assets it manages for them; a firm appears here when it reports at least one.

**How many financial advisory firms are there in San Jose, CA?**
AdvisorCensus lists 449 investment advisory firms with a principal office in the San Jose metro area, from Form ADV filings as of October 2026: 113 SEC-registered, 87 state-registered, and 249 exempt reporting advisers. Firms may request removal, so the count can differ slightly from the number of firms that file Form ADV.

**How many fee-only financial advisors are in San Jose, CA?**
77 of the 449 firms meet AdvisorCensus's fee-only test: paid only by a percentage of assets, hourly charges, fixed fees, or subscription fees on Form ADV Item 5.E (no commissions, performance-based fees, or other compensation), with no sales-related compensation ties in the same filing: no employee registered with a broker-dealer or licensed as an insurance agent (Item 5.B), no brokerage, insurance, real estate, or other product sales business (Item 6.A), no related broker-dealer, insurance company, real estate broker, or futures commission merchant (Item 7.A), and no referral fees from others or other sales interest (Item 8). Form ADV has no fee-only box, so this is derived from the filing; it is not a fee-only certification, and a firm's own page lists its compensation arrangements as filed.

**How many financial advisors in San Jose, CA offer financial planning?**
118 of the 200 firms in San Jose, CA that answer Form ADV Item 5.G, which asks what advisory services a firm provides, report financial planning services, as of October 2026. Exempt reporting advisers do not answer Item 5.G. Each firm page lists every advisory service the firm reports.

**Are the financial advisors in San Jose, CA fiduciaries?**
Every firm on this page is an investment adviser that files Form ADV, and an investment adviser owes its clients a fiduciary duty under federal law, made up of a duty of care and a duty of loyalty: it must act in the client's best interest and not put its own interests ahead of the client's, and must eliminate its conflicts of interest or disclose them fully and fairly. Form ADV has no fiduciary box because the duty comes with being an investment adviser. The duty covers the firm's advice; a firm or its people may also sell securities through a broker-dealer or insurance as licensed agents, roles held to other standards. The 77 firms that meet AdvisorCensus's fee-only test report none of those sales ties.

**How do I check whether a financial advisor has disciplinary disclosures?**
Each firm page shows how many Form ADV Item 11 disciplinary questions the firm answered yes and links to the firm's record on the SEC's Investment Adviser Public Disclosure site (adviserinfo.sec.gov), where the detail of each disclosure is public. Individual advisers' records are on the same site and on FINRA BrokerCheck.

**Does AdvisorCensus rate, verify, or recommend these firms?**
No. The directory shows what each firm filed, in alphabetical order unless you choose another sort, and no firm's position depends on payment. Firms that claim their page can add a description and links, marked as provided by the firm; the filed facts are never changed by that content.

**What does regulatory assets under management mean?**
Regulatory assets under management (RAUM) is the figure a firm reports on Form ADV Item 5.F: the securities portfolios it provides continuous and regular supervisory or management services for, at market value, including assets managed without discretion. It measures scale, not performance or quality.

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Cite as: AdvisorCensus. Financial advisors for retirement plans in San Jose, CA: 34 firms from Form ADV filings as of October 2026.