Desert Financial Planning is a registered investment advisor based in Palm Desert, California, founded and led by Nolan Saini. The firm provides custom investment management on a discretionary basis, primarily utilizing mutual funds and exchange-traded funds with a tactical allocation strategy to manage risk and enhance performance. In addition to individual wealth management, Desert Financial Planning offers retirement plan consulting services to qualified plans. The firm operates as a bundled service provider where portfolio management and financial planning are combined into an inclusive fee. Clients with portfolios under $40,000 pay a flat monthly fee, while larger portfolios are charged an annual fee based on a sliding percentage of the value of the portfolio. The firm emphasizes custom portfolio construction based on each client's individual objectives, risk tolerance, and time horizon.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $40K | Included |
| $40K - $150K | 1.50% |
| $150K - $500K | 1.25% |
| $500K - $1.0M | 1.00% |
| $1.0M - $2.5M | 0.85% |
| $2.5M - $5.0M | 0.75% |
| $5M+ | 0.50% |
Accounts under $40,000 pay a flat fee of $50 per month. Fees are inclusive of custodial and trading costs and may be negotiated at the advisor's discretion.