Based in Minnetonka, Minnesota
Flames FP is based in Minnetonka, Minnesota. San Jose relationships run entirely virtually. This page describes the San Jose service area, not a separate San Jose branch.
Financial advisor serving San Jose
A flat-fee financial advisor serving San Jose, CA.
Flames Financial Planning is based in Minnetonka, Minnesota and works with San Jose households through a virtual planning relationship. Fixed quarterly memberships coordinate investments, taxes, retirement, and estate guidance without an AUM fee.
Minnetonka-basedA Minnesota firm serving San Jose-area households; Flames FP does not claim a San Jose office.
$150–$1,650/qtrQuarterly memberships billed in advance, with no annual commitment.
0% AUMThe advisory fee is not calculated as a percentage of the portfolio.
Virtual planningMeet and collaborate from San Jose or anywhere else you happen to be.
Direct answer
How Do You Find a Flat-Fee Financial Advisor Serving San Jose?
Compare each advisor’s registration, fiduciary role, total annualized cost in dollars, the services included, and who you actually meet with. Flames Financial Planning is based in Minnetonka—not at a San Jose office—and serves San Jose households virtually. Memberships cost $150, $900, or $1,650 per quarter, with no AUM fee and no annual commitment.
A truthful local relationship
Serving San Jose without inventing an office there
A location page should tell you who is actually available, where the firm sits, and how the relationship works day to day.
Built for virtual collaboration
Meetings, document sharing, dashboard access, and ongoing planning all happen remotely, so where you live does not limit the advice you get.
Verify before you hire anyone
Check any advisor’s registration, services, disciplinary history, and fee disclosures before you sign. That applies to this firm as much as any other.
California planning context
What actually differs about planning in Silicon Valley
Tax rules are set by the state, not the city, and they change which decisions are worth the most. The full California picture, with sources, is on the California page. How those rules bear on withdrawal order, Roth-conversion timing and Medicare premiums is set out in the retirement tax planning overview.
California tax treatment
California taxes income at graduated rates from 1% to 12.3%, adds 1% on taxable income over $1 million, and gives capital gains no preferential rate, so a vested-stock sale is taxed like salary. Social Security is excluded and there is no state estate tax, but pension and IRA and 401(k) income is fully taxable, residents are taxed on all income regardless of source, and anyone who spends more than nine months of a year in California is presumed to be a resident. Equity timing and residency are the two state-specific questions for a Silicon Valley household.
Retirement income: Social Security excluded; everything else taxed in full
California excludes Social Security and Tier 1 Railroad Retirement benefits, but pension, annuity, IRA and 401(k) income is taxed the same way it is federally. A California resident is taxed on all income regardless of where it comes from.
Estates: None
No California estate tax return is required for deaths after December 31, 2004, when the federal credit it was tied to was eliminated. Only the federal exclusion applies.
How local households are paid
The South Bay is home to many of the largest publicly traded semiconductor, networking and software companies in the world, headquartered in San Jose and the surrounding cities of Santa Clara County. Long-tenured engineers and managers here often hold a decade or more of vested restricted stock and purchase-plan shares in a single employer, alongside a 401(k) that is also heavy in it.
Rates change; check before you act
Brackets, thresholds, and retirement-income rules are revised regularly. The figures above are for tax year 2025. Treat them as a starting point and confirm the current year before making a decision on them.
Federal and state, together
How California Tax Interacts With a San Jose Household’s Federal Return
California income tax alone exceeds the federal deduction for state and local taxes for a great many households, and above $500,000 of modified adjusted gross income the cap shrinks toward $10,000. Most of what a high-earning Californian pays the state is not deductible federally, which makes the state layer the one to manage.
For tax year 2026 the federal deduction for state and local taxes is capped at $40,400, shrinking above $500,000 of modified adjusted gross income to a floor of $10,000. IRS, Instructions for Schedule A (2025), line 5e.
Worth doing here
California planning opportunities
Things that are worth doing in California that would not be worth doing, or would work differently, somewhere else.
Which year an equity event lands in
With a marginal rate of 12.3% to 13.3% and no capital gains preference, moving a vest, exercise or sale from one tax year to another changes the state tax bill more than any other single decision. Concentrated-position plans here are built around the calendar.
The nine-month presumption
Anyone who spends more than nine months of a year in California is presumed to be a resident, and residents are taxed on all their income. For households splitting time between states, or planning a move, the day count and the paper trail decide the outcome.
No state 529 deduction — choose a plan on merit
California gives no state income tax deduction for 529 contributions, to its own ScholarShare plan or to any other state's. Earnings still grow and come out tax-free for qualified education costs, so the choice of plan should be about cost and investments rather than a state break.
The first meeting
What the first meeting covers for a San Jose household
A discovery meeting is a conversation, not a pitch. For households here it tends to get to these three things.
How much of the household — taxable accounts, ESPP shares and the 401(k) together — sits in one employer, and a sale schedule built around California's calendar-year brackets.
Whether any planned move or extended time out of state actually changes California residency under the nine-month presumption.
The household's college savings, given that California offers no state deduction and the choice of 529 plan is about cost and investments alone.
Who this fits
Households Flames FP often helps in San Jose
The common thread is a household with enough complexity that the decisions interact, and enough assets that a percentage fee gets expensive.
Corporate employees
See how the planning relationship works for this situation, what is included, and what it costs.
High-income families
See how the planning relationship works for this situation, what is included, and what it costs.
Anyone comparing a 1% fee against a flat one
Run your own numbers before talking to anyone, including this firm. The calculator converts a percentage into the dollars it actually costs over time.
Watch and learn
Financial Planning, Explained Clearly
Start with three videos selected for this page, then use the controls to explore every published Flames FP video guide.
Videos 1–3 of 14
What Nobody Tells You About Earning $400K a Year
See why a $400K income can still leave too little investable margin and how taxes, lifestyle growth, and deliberate investing change the result.
The RSU Strategy Most $300K Tech Earners Miss
Understand taxation at vesting, check the withholding gap, and turn each RSU vest into a deliberate diversification and household-planning decision.
The 3-Account System for a $250K Income
Use cash reserves, tax-advantaged accounts, and a taxable brokerage account to turn a strong income into a repeatable wealth-building system.
The 6 Levels of Wealth for $200K+ Households
Use six stages to separate a high income from the wealth it actually creates.
The Most Underrated Retirement Account
How a taxable brokerage account can support retirement flexibility alongside tax-advantaged accounts.
How to Decrease Your Tax Bill
Review practical tax-planning decisions that can connect income, investments, retirement, and withholding.
Should You Invest or Spend Your HSA?
A practical framework for deciding how an HSA fits healthcare costs, taxes, and retirement planning.
Four Common Backdoor Roth IRA Mistakes
Understand contribution, conversion, pro-rata, and reporting mistakes before they create tax problems.
Direct Indexing vs ETFs in a Taxable Account
Compare diversification, tax management, cost, and complexity before changing an investment strategy.
My New Favorite Account to Gift Money to Kids and Grandkids
Compare the new child investment account with 529 plans, custodial accounts, Roth IRAs for earned income, and the family's actual goals.
Estate Planning Documents You May Need
A plain-English review of wills, powers of attorney, healthcare directives, beneficiaries, and trusts.
Flat Fee vs 1% Financial Advisor
See how a percentage fee changes in dollars as a portfolio grows and what to compare beyond the headline rate.
How Much Life Insurance Do You Need?
Think through income replacement, debt, children, childcare, education, and family risk.
Five Money Mistakes High Earners Make
Common coordination gaps involving taxes, cash flow, investments, insurance, and estate planning.
Common questions
San Jose Financial Advisor Questions
Does Flames Financial Planning have a San Jose office?
No. Flames Financial Planning is based in Minnetonka, Minnesota, and serves San Jose households through a virtual planning relationship. This page describes the service area and does not claim a San Jose office.
Can someone in San Jose work with Flames FP virtually?
Yes. San Jose households can meet by video, share documents securely, use the financial dashboard, and receive ongoing planning without travelling. Flames FP serves clients nationwide where permitted.
How much does Flames FP cost?
Flames Access is $150 per quarter ($600 annualized), Planning is $900 per quarter ($3600 annualized), and Premier is $1650 per quarter ($6600 annualized). Memberships are billed quarterly in advance with no annual commitment.
Does Flames FP charge an AUM fee to San Jose clients?
No. The advisory fee is a flat quarterly amount tied to the planning work, not a percentage of the portfolio, so it does not increase as investments grow.
What should a San Jose household compare between advisors?
Compare the total annual cost in dollars rather than percentages, exactly what is included at that price, whether the advisor is a fiduciary and fee-only, and who you actually meet with. Then verify the firm's registration and disciplinary history on the SEC's adviser search.
Is California tax planning part of the relationship?
Yes. State tax treatment shapes withdrawal order, Roth-conversion timing, and where investments are best held. Planning includes tax guidance and review of a completed return; Premier adds tax projections and preparation and filing through an independent tax partner. The California rules themselves are set out on the California page.
Next step
Compare a San Jose-area planning relationship in actual dollars.
A discovery meeting covers your situation, your current advisor arrangement if you have one, and whether a fixed quarterly membership is a better fit than what you are paying now.