Top Financial Advisors in San Jose, CA

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Werba Rubin Papier Wealth Management (WRP) is up next on our list of San Jose's top financial advisory firms. A fee-only firm, WRP works with high-net-worth and non-high-net-worth individuals and families. Services available include investment consulting, tax planning, income/asset protection, retirement and estate planning, education cost planning, trust creation, IPO stock options planning, philanthropic giving and business succession planning.

WRP also offers supplementary market content, such as newsletters and educational workshops. These are designed to enhance your investing knowledge to give you greater control over your finances.

Werba Rubin Papier Wealth Management goes through a clear-cut procedure to ensure your account is optimized to your needs and desires. This process begins with a discovery meeting, during which the firm learns about your priorities and your risk tolerance. Once the aforementioned factors are established, an investment plan is created and presented to you at a personal meeting.

WRP's investment recommendations are generally designed as long-term strategies. Most clients participate in one of four services sponsored by Buckingham Strategic Partners, LLC. These portfolio allocation services invest in various no-load, asset-class mutual funds, as well as individual stocks and bonds.

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Silicon Valley Capital Partners has one of the simplest fee structures on this list, as its fees are solely charged as a percentage of clients' assets under management (AUM). This is one of the many reasons it takes our top spot. The firm does not require a set account minimum. However, approximately two-thirds of the firm’s clients are high-net-worth individuals. Individuals without a high net worth, businesses and retirement plans make up the rest of the firm’s client base.

This fee-only firm is known for its all-encompassing takes on topics like risk tolerance, investment research and financial planning. It takes a comprehensive and lifestyle-based approach, as it believes this will provide the most complete picture of a client’s financial life.

Silicon Valley Capital Partners has built its own research platform called Where Are We Now to help manage risk for its clients. The firm’s tools take into account the typical past performance of an investment, while also projecting how the investment and related market areas will likely perform in the future. 

The firm typically uses exchange-traded funds (ETFs), mutual funds, stocks, individual bonds, certificates of deposit (CDs) and bond ETFs. How your assets are allocated between these various investment types is completely determined by your specified liquidity needs, risk tolerance and time horizon.

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Concentrum Wealth Management does not require a minimum account size. It primarily serves individuals without a high net worth, though its client base also includes high-net-worth individuals, pension and profit-sharing plans and various types of businesses. This firm’s advisors may earn commissions from selling certain insurance policies and securities, making Concentrum a fee-based firm. But because this firm is a fiduciary, it must always act in your best interest, no matter what.

The firm most commonly serves individuals and businesses, and its services reflect that. For individuals, the firm offers retirement planning, estate planning, college planning, tax mitigation, insurance analysis, charitable giving planning, as well as debt and mortgage evaluation services. For businesses and corporations, the firm offers tax planning, investment planning and general financial planning.

Concentrum Wealth Management may use a variety of investment strategies, including long-term purchases (buying security and holding it for more than a year), short-term purchases (holding a security for less than a year) and trading (selling a security within 30 days of its purchase). The firm may also engage in short sales, margin transactions and option writing.

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Potentia Wealth is a fee-based firm that works with clients, offering invetsment advisory, portfolio management and financial planning services. The client primarily works with high-net-worth individuals, pension and profit-sharing plans and charitable organizations. While there is no minimum account size required by the firm, some investment programs used by the firm's advisors do. 

Fees at the firm for portfolio management services depends on the amount of assets under management (AUM) at the firm. The more a client invests, the less the fee percentage on teh total AUM typically is. The fees charged by the firm range from 0.6% to 2.0% of the total AUM, paid on a quarterly basis. Financial planning servcies are charged through a fixed fee, typically ranging from $2,500 to $50,000. 

The firm believes that hard work should be rewarded, and that is at the base of its investment management strategy. The firm works hard to understand the needs of each individual client in order to craft the right long-term investment strategy while minimizing fees and tax implications without sacrificing total growth of the portfolio. 

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Legacy Wealth Advisors, a fee-only firm, has the best client-per-advisor ratio of any company on our list. With its hefty $2 million account minimum, Legacy works with twice as many high-net-worth individuals as it does individuals who fall short of the high-net-worth threshold. Legacy Wealth Advisors works with clients in a variety of areas, including portfolio management, cash flow analysis, retirement planning, education funding, income tax strategies, risk management, estate tax planning and charitable giving.

Before investing a client's money, the firm conducts what it calls "an extensive discovery process" that includes interviews with the client and questionnaires. Legacy especially focuses on identifying the client's risk tolerance and return expectations. From there, the firm may invest in a variety of areas, including real estate, healthcare and biotech, and use passive index strategies, active alpha-generating strategies, as well as tax-efficient strategies. 

Legacy may recommend target asset allocation paired with tactical asset allocation, "which allows for clients to occasionally engage in short-term deviations from their original asset mix in order to capitalize on the advantageous market and economic conditions that are more favorable for one asset class than for others," the firm states in its brochure.

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BetterWealth is a fee-only financial advisor firm that has experience working with a wide range of clients. Its clients include individuals (both those with high net worths and otherwise), businesses, as well as pension and profit-sharing plans.

There is no minimum investment needed to open an account with this firm. However, its clients typically have a net worth between $1 million and $25 million.BetterWealth can help clients with investment and retirement planning, estate planning, real estate analysis, corporate and personal tax planning, lines of credit evaluation, philanthropic planning, mortgage/debt analysis and more. 

BetterWealth clients typically have long-term investment perspectives of at least five to seven years. A client's risk tolerance and time horizon are determining factors in their portfolio, which may consist of some combination of individual stocks, bonds, ETFs, options, mutual funds and other securities. 

While the firm generally adheres to long-term strategies, it will also purchase certain securities for shorter-term needs from time to time. "For example, when harvesting tax losses, our firm will generally purchase replacement funds that are similar to a client’s portfolio funds and hold them for 31 days to avoid wash sales rules. The original funds are usually then repurchased," the firm says in its brochure. 

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Clarity Wealth Advisors says that it strives to help all of its clients reach financial independence. The firm believes that through “defined investment objectives, a thoughtful plan and a well-constructed implementation strategy” it can accomplish this goal for its largely high-net-worth client base. It does have some individual clients with less than high net worth, though. At least $500,000 is needed to open an advisory account with this fee-based firm. 

Clarity Wealth Advisors offers services that include investment management, income tax planning, retirement planning, insurance analysis, estate planning, education funding, cash flow management, debt management and more.  It also provides pension consulting services, which involve advising pension plan sponsors on how to choose investment options, educating their plan participants and providing consistent plan reviews.

Clarity Wealth Advisors builds client portfolios based on clients’ unique objectives and two types of investment analysis. The firm uses both fundamental and technical analysis to provide a snapshot of how a particular investment has performed in the past, how it’s currently performing and whether the market it’s in is projected to do well. This information is then applied within the context of your stated time horizon and risk tolerance. 

Depending on a client's needs, the firm may create a custom portfolio or invest the client's assets in one or more model strategies. These model portfolios may be built in-house or offered through third-party managers. "In either case, we will monitor your portfolio's performance on an ongoing basis, and will rebalance the portfolio as required by changes in market conditions and in your financial circumstances," the firm states in its brochure. 

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TTP Investments is a fee-only firm, and it does not have any minimum investment requirements for new clients. In turn, its client base is primarily composed of individuals without a high net worth. However, the firm also works with high-net-worth individuals and one charitable organization.

TTP offers a selection of asset management services that include helping clients invest their money through a series of different portfolio strategies developed by the firm. Its financial planning offerings can cover topics like retirement, capital accumulation, investment and property management, tax avoidance and more.

TTP Investments has four main investment strategies that it uses to invest in clients' assets. They are each based on a specific risk tolerance profile, ranging from conservative to aggressive. These include conservateive risk tolerance, balanced risk tolerance, growth risk tolerance and aggressive risk tolerance.

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DWR Wealth Management is a fee-only firm that primarily serves high-net-worth individuals and companies with 401(k) retirement plans. The firm generally requires clients to maintain $250,000 under management with them, but they have the discretion to waive that minimum requirement. This firm offers a wide range of services to cater to the diverse financial needs of its clients. Their services include retirement plan services, financial planning and consulting services.

DWR Wealth Management implements a range of investment strategies that are based on the principles of asset allocation models derived from modern portfolio theory. These models span from conservative balanced to pure equity, ensuring a well-diversified approach to mitigate risks. The firm primarily recommends registered funds and ETFs, with a particular focus on investment-grade bonds.??

In addition to these recommendations, DWR also incorporates riskier mutual funds and ETFs into their investment strategies. These include U.S. and international small capitalization and small capitalization value funds, emerging markets funds, commodity futures funds, alternative lending securities funds, reinsurance funds, managed futures funds and funds holding currencies.?