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Find Retirement Advisors for Retirement Planning in Encinitas, California

Q: Why do I need a retirement planner?

A retirement planner helps you in making your retirement life run smoothly. They also help in identifying various sources of income, estimating the expenses, implementing a savings program, and helps in asset management. The major focus of a Retirement Planner is to estimate future cash flows and assets management.

Q: What does a retirement planner do?

A Retirement Planner gives you a clear understanding of the financial assets that you are aggregating along with other resources that you have such as Pensions, Social Security, Part-time work, Home Equity, etc. In this way, they help you transform these income sources to become a future asset/regular source of income that will help you in your retirement days.

Q: How much does a retirement planner cost?

Different Retirement planners charge differently. They may charge on an hourly basis, a quarterly or annual retainer fee, a percentage of assets that they manage for you, in the form of Commissions, a fixed fee to run a retirement plan. You should always ask the prospective retirement planner for a simple clarification of how they want to get compensated.

With so many financial products and solutions available in the market, it is a daunting task to choose the best one for you. We have over 20 years of experience in finding the best financial planner as per your requirements in the field of retirement planning. Our vetted certified retirement financial planners can help you plan for your dream retirement.

All our retirement planners go through rigorous industry experience, disclosures, and registration checks. Our qualified retirement planners are specialized in investment management, insurance advisory, 401k rollovers, and estate planning. Their work experience ranges from being part of small independent firms to Fortune 500 companies.

Finding the Best Retirement Planners in Encinitas, California

Last Updated - May 24, 2025

Encinitas has 9 Retirementplanning.net vetted Retirement Planners and Advisors on the online list below for you to choose from and 4 non-vetted advisors in your local area. These retirement advisors in Encinitas, California have an average of 12 years of experience.

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List of Qualified Retirement Planning Advisors in Encinitas, California

VERIFIED

Edelman Financial Engines, LLC

Qualifications
Firm CRD# 104510

Minimum Assets Required
Not Specified

6935 Cowles Mountain Blvd,
San Diego, CA 92119 See Details

Advisory Services:

Compensation/Fee

Fee-Based, Based on Assets

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VERIFIED

Andrew Chabot
MBA, CFP^®
Rancho Wealth Management

Qualifications
CRD# 4622383
Firm CRD# 10205
Series 6, 7, 24, 26, 63, 65

Minimum Assets Required
$100,000

Address

11810 Sebastian Way Suite 105,
Rancho Cucamonga, CA 91730 See Details

Advisory Services:

Not Specified

Compensation/Fee

Fee-Based, Hourly, Commissions, Flat Fee, Based on Assets

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Top 4 Retirement Planning firms in Encinitas, California (Ranked by AUM)

Rank	Firm Name	Assets Under Management	Total Clients	Total Advisors	Fee Structure
1	662 Encinitas Blvd, Ste 250 Encinitas, CA, 92024	$1,139,916,747	9	14	A percentage of AUM, Fixed fees, Performance Based
2	1106 2nd Street, Suite 102 Encinitas, CA, 92024	$399,221,544	1229	15	A percentage of AUM, Hourly charges, Fixed fees
3	280 N Coast Highway 101, Encinitas, CA, 92024	$202,951,995	441	4	A percentage of AUM, Hourly charges, Fixed fees
4	533 Second Street, Suite 207, Encinitas, CA, 92024	$105,000,000	84	4	A percentage of AUM, Hourly charges, Fixed fees

Information on Top Retirement Planning firms in Encinitas, California

SWEETWATER PRIVATE EQUITY

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QualificationsFirm CRD# 297613

Assets Under Management $1,139,916,747

No. Of Clients9

Clients Per Financial Advisor1

SWEETWATER PRIVATE EQUITY is a financial advisory firm situated in Encinitas, California. With a nearly $1B assets under management, the firm specializes in crafting personalized retirement planning solutions for 9 clients. The team consists of 14 skilled financial advisors, committed to delivering comprehensive retirement planning services tailored to your needs.

Fee Structure

A percentage of AUM
Fixed fees
Performance Based

Financial Planning Services

Portfolio management for pooled investment vehicles
Portfolio management for businesses or institutional clients

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ROOT FINANCIAL PARTNERS

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QualificationsFirm CRD# 290289

Assets Under Management $399,221,544

No. Of Clients1229

Clients Per Financial Advisor82

ROOT FINANCIAL PARTNERS is a financial advisory firm situated in Encinitas, California. With a nearly $399M assets under management, the firm specializes in crafting personalized retirement planning solutions for 1229 clients. The team consists of 15 skilled financial advisors, committed to delivering comprehensive retirement planning services tailored to your needs.

Fee Structure

A percentage of AUM
Hourly charges
Fixed fees

Financial Planning Services

Financial planning services
Portfolio management for individuals and/or small businesses
Pesnsion consulting services
Selection for other advisors

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COOPER CAPITAL GROUP

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QualificationsFirm CRD# 305121

Assets Under Management $202,951,995

No. Of Clients441

Clients Per Financial Advisor110

COOPER CAPITAL GROUP is a financial advisory firm situated in Encinitas, California. With a nearly $203M assets under management, the firm specializes in crafting personalized retirement planning solutions for 441 clients. The team consists of 4 skilled financial advisors, committed to delivering comprehensive retirement planning services tailored to your needs.

Fee Structure

A percentage of AUM
Hourly charges
Fixed fees

Financial Planning Services

Financial planning services
Portfolio management for individuals and/or small businesses
Pesnsion consulting services
Selection for other advisors

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STONE STEPS FINANCIAL, LLC

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QualificationsFirm CRD# 175289

Assets Under Management $105,000,000

No. Of Clients84

Clients Per Financial Advisor21

STONE STEPS FINANCIAL, LLC is a financial advisory firm situated in Encinitas, California. With a nearly $105M assets under management, the firm specializes in crafting personalized retirement planning solutions for 84 clients. The team consists of 4 skilled financial advisors, committed to delivering comprehensive retirement planning services tailored to your needs.

Fee Structure

A percentage of AUM
Hourly charges
Fixed fees

Financial Planning Services

Financial planning services
Portfolio management for individuals and/or small businesses
Pesnsion consulting services

View Full Profile

Retirement Planners Near You

Seeking Retirement Planners in a nearby city? Here are some additional lists of top Retirement Planners in the area:

Looking for more choices? Use our free match service to compare retirement planners serving your area.

Frequently Asked Questions

Why do I need a retirement planner?

How to choose a good retirement planner?

While interviewing potential retirement planners, look for someone with expertise in Tax Planning, Social Security, and Withdrawal Strategies for retirement. They need to be able to formulate a schedule and strategy that tells you how to take money out in a tax-efficient manner and they need to be able to give you practical guidance on the use of assured revenue items that can build a sense of financial security in your retirement.

What does a retirement planner do?

How much does a retirement planner cost?

What questions to ask a retirement planner?

Although the questions to ask your retirement planner may differ as per your financial concerns, following are the most common things to discuss with your retirement planner

Are my current savings enough to get retired?
With my current savings, what will my post-retirement lifestyle look like?
Should I consider making investments right before my retirement?
When is the right time to pay off my mortgage-pre or post-retirement?
How can I mitigate my post-retirement financial risks?

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