Top Financial Advisors in Sacramento, CA

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Lucas Group Financial Planners is the top firm on our list of the top Sacramento financial advisor firms. The fee-based firm's team has several professional certifications, including the Certified Financial Planner™ (CFP®), chartered advisor in philanthropy (CAP) and chartered retirement plans specialist (CRPS) designations.

The majority of Lucas Group's clients are individuals without a high net worth, though it does serve a number of high-net-worth individuals. It can also provide advisory services to pension and profit-sharing plans, as well as charitable organizations. For model portfolio management services, Lucas Group requires a minimum of $100,000 under management, though this may be negotiable at the firm's discretion.

Lucas Group Financial Planners Background

Lucas Group Financial Planners is an employee-owned firm that's been in business since 2004. Gregory Lucas, the firm's president, owns 80% of Lucas Group. Matthew Page, a partner at the firm, owns the remaining 20%.

Lucas Group provides investment services to clients through model asset allocation portfolios. The firm's model portfolios are each designed to meet certain investment goals and risk tolerance levels. Additionally, the firm can offer advisory management services through the selection and monitoring of third-party money managers. Lucas Group also provides financial planning services, addressing areas including tax and cash flow, investment, insurance, retirement, death and disability and estate planning. The firm specializes in income tax planning.

Lucas Group Financial Planners Investment Strategy

As mentioned above, Lucas Group Financial Planners offers its clients model asset allocation portfolios. The firm manages client portfolios according to their financial situation, objectives and risk tolerance. Lucas Group actively manages portfolios on a discretionary basis, meaning its advisors do not need to consult clients when making individual moves within a portfolio. Common investments that the firm provides advice on include exchange-listed securities and mutual fund shares.

Alternatively, Lucas Group provides advisory management services through the selection and monitoring of third-party money managers. In this scenario, the firm will provide clients with an asset allocation strategy based on conversations about their goals and objectives and then select an appropriately registered investment advisor (RIA) for the client. The third-party managers will be responsible for monitoring client accounts and making trades. Lucas Group earns a portion of the fees charged by third-party money managers.

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Adams Ashby Financial Advisors is a fee-only firm based in Sacramento. The firm works with individuals with and without a high net worth, charitable organizations, pension and profit-sharing plans. Adams Ashby does not have a minimum account size requirement. 

The firm has a small number of advisors on staff working with its relatively small client base. At least one of the advisors holds the designation of a Certified Financial Planner™ (CFP®).

Adams Ashby Financial Advisors (AF Advisors) Background

Adams Ashby Financial Advisors has been in business since 2009. It's owned by Jeff Adams, the firm's chief compliance officer (CCO) and lead financial advisor, as well as Nina Adams.

Adams Ashby offers financial planning, investment management, portfolio review and pension consulting to its clients. Its financial planning services focus on six main areas: 

• Retirement planning
• Investment profile assessment
• Investment and real estate holdings review
• Income and estate tax reduction analysis and planning
• Family budgeting and financial progress coaching
• Family financial documents review

Adams Ashby Financial Advisors Investment Strategy

Adams Ashby Financial Advisors offers comprehensive portfolio management, which includes both asset management and financial planning/consulting. The firm seeks to meet clients' financial goals through their investments, and it develops an appropriate investment approach based on the information advisors learn about clients in initial meetings. 

Common investments used in client portfolios include exchange-traded funds (ETFs), mutual funds and individual stocks or bonds. It may employ a range of investment strategies, including long-term and short-term purchases, short sales, trading, margin transactions and options.

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Avisen Advisors is a fee-based firm. In addition to its Sacramento office, it has an office in Reno, Nevada. The firm's minimum initial investment amounts range from $50,000 to $1 million, depending on the type of services and portfolio you choose. Its current client base includes both individuals with and without a high net worth, as well as pension and profit-sharing plans, charitable organizations, corporations and businesses.

The company employs advisors on staff who may earn commissions on certain transactions, like the sale of securities or insurance products. Despite the potential conflict of interest this creates, Avisen Advisors is a fiduciary and must act in its clients' best interests.

Avisen Advisors Background

Kenneth Brown and A. Wayne Robello are the founders and owners of Avisen Advisors, which was previously known as Brown Robello Capital Management. Brown, who's spent nearly five decades working in financial service, is also the CEO and co-founder of Avisen Wealth Management, Inc., a boutique investment securities firm.

Robello serves as the managing member and chief compliance officer of Avisen Advisors. He’s worked in the securities industry for over 15 years and is a former Merrill Lynch employee. Robello also serves as president of Avisen Wealth Management.

Avisen Advisors Investment Strategy

By opening an investment management account with Avisen Advisors, you'll have a number of portfolio options from which to choose. While Avisen offers its own investment portfolio, its clients can also select from several other strategies, including some offered by Lockwood Capital Management and a few other companies. Portfolio managers at Avisen may use LCM’s five portfolio models to match your financial needs with the model that would best accomplish your stated objectives.

This firm has the most complex set of relationships within its asset management system that we’ve come across so far. You may want to ask your advisor about each program and associated fees before agreeing to a management relationship.

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Boyd Wealth Management, the final firm on our list, is a fee-based operation specializing in both personal wealth management and business planning. The firm's current client base includes a split of individuals with and without a high net worth. It's also capable of working with trusts, estates, charitable organizations, pension and profit-sharing plans and businesses.

Boyd has advisors who hold the designations of Certified Financial Planner™ (CFP®), chartered financial consultant (ChFC) and chartered financial analyst (CFA). This is a fee-based firm, as its advisors may earn commissions from selling insurance products in addition to the fees its clients pay. Boyd is a fiduciary though, requiring it to always act in clients' best interests.

Boyd Wealth Management Background

Boyd Wealth Management is a relatively new firm, founded in 2018. It's owned by managing partner Brian Boyd and partner Ryan Triplett. Boyd owns 75% of the firm and Triplett owns the remaining 25%.

The firm offers the following services:

• Comprehensive portfolio management
• Asset management
• Financial planning and consulting
  • Investment planning
  • Retirement planning
  • Estate planning
  • Charitable planning 
  • Education planning
  • Corporate and personal tax planning
  • Mortgage/debt analysis
  • Insurance analysis
  • Lines of credit evaluation
  • Corporate structure
  • Real estate analysis
  • Business and personal financial planning
• Retirement plan consulting

Boyd Wealth Management Investment Strategy

Boyd Wealth Management creates a customized asset allocation for each client based on their risk tolerance, time horizon, tax situation and investment goals. The firm prioritizes both diversification and tax efficiency when investing. Individual stocks, bonds, exchange-traded funds (ETFs), options and mutual funds are commonly used.

The firm believes that investor behavior is a determinant of long-term investment outcomes, so it steps in to act as a partner to clients as they weather the typical ups and downs. Boyd relies on an asset allocation approach based on the principle that different assets perform differently in different market and economic conditions.