Israilov Financial is a registered investment advisor founded in 2024 and based in Cupertino, California. The firm offers comprehensive financial planning, project-based financial planning, hourly consulting, and ongoing investment advisory services. Israilov Financial specializes in helping individuals and high-net-worth clients navigate retirement planning, cash flow and debt management, college savings, estate planning, risk management, and tax planning strategies. Their investment philosophy is rooted in Modern Portfolio Theory, focusing primarily on passive investment management through low-cost index funds and exchange-traded funds, with occasional tactical adjustments. All investment advisory services are provided on a non-discretionary basis, meaning clients retain full control over executing trades and holding assets at independent custodians. Israilov Financial operates as a fee-only firm, meaning they are compensated solely by client fees and do not accept commissions or sell financial products.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 0.75% |
Fees are charged as a percentage of the client's financial footprint (investable assets plus W-2 and 1099 income, excluding real estate equity and passive income). The standard rate is 0.75% annually, with a range of 0.50% to 1.00% depending on complexity, subject to a $5,000 annual minimum fee.
