Baluden Financial is a registered investment advisor founded in 2025 and based in Sacramento, California. The firm specializes in comprehensive financial planning and gives non-discretionary investment advice, meaning clients keep total control over their own investment choices and accounts. Baluden Financial helps clients build personalized financial plans covering cash flow management, investment strategy, retirement planning, tax planning considerations, and estate planning coordination. Estate planning is limited to general education and analysis rather than legal document preparation. Baluden Financial offers its financial planning services on a fixed-fee basis through three-month or six-month engagements, billing clients in monthly installments. The firm does not manage client assets, take custody of funds, select specific custodians, or charge commissions on financial products.
Fee Structure
- Three-month financial planning engagement — $1,500 total, billed in three monthly installments of $500, which includes approximately two to three meetings covering an initial discovery meeting, a financial plan presentation meeting, and an implementation or follow-up meeting
- Six-month financial planning engagement — $2,400 total, billed in six monthly installments of $400, which includes additional meetings to help implement and monitor recommendations
- Educational seminars and workshops — $100 per participant for non-clients (free or complimentary for clients)