E. Demmler & Associates is an independent registered investment advisor founded in 2002 and owned entirely by Eugene C. Demmler, based in California. The firm specializes in financial planning and consulting for individuals and families, covering areas such as retirement planning, estate planning, education funding, corporate and personal tax planning, insurance analysis, and cash flow management. E. Demmler & Associates also provides educational seminars for employers to present to their workers, as well as business consulting and employee benefits analysis for companies. The firm does not manage investment portfolios directly or offer discretionary asset management services. Instead, the owner and advisors may also operate as registered representatives of a separate broker-dealer, LPL Financial, through which they can recommend and sell securities or insurance products for commissions, creating a potential conflict of interest.
Fee Structure
E. Demmler & Associates offers annual financial planning retainers ranging from $500 to $10,000 per year, depending on the complexity of your situation and the scope of services provided.
- Comprehensive financial plan — Flat fees generally range from $2,500 to $30,000, depending on the complexity of your situation, covering cash flow, net worth, insurance, education, portfolio analysis, retirement, taxes, and estate planning.
- Modular or maintenance planning — Flat fees generally range from $2,500 to $30,000 for targeted advice on specific goals like inheritance, career changes, or cash flow.
- Hourly consulting — $300 per hour for services provided by financial advisors, and $150 per hour for assistants.