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Let's clear the fog
from your financial picture

Fog City Advisors, LLC is a fee-only financial and tax planning firm based in the San Francisco Bay Area

For ClientsContact Us

All-inclusive, Tax-focused Approach

Together we design an all-encompassing strategy that takes into account every aspect of your finances.

No Product Sales

We don’t sell any financial products nor do we receive any commissions. We are fee-only financial planners. We are fiduciaries: our complete focus is on what is best for you.

Value for Your Money

We are committed to providing value that exceeds our flat fee.

Open-Door Policy

Financial planning is a process, not an event and we are here for you when you need us. Our approach accommodates regular ongoing reviews of key financial areas, with access, or an open-door, to the advisor when needed.


Our Holistic Process

Financial Review

We begin our engagement with an analysis of your immediate financial concerns, and we provide recommendations to address those specific issues. 

Flat-Fee Financial Planning Services

If you require ongoing financial planning services, we continue our engagement by learning more about you. We work with you to ensure that your financial life is meeting your needs, is supporting your goals, and is aligned with your values. We focus our first year of work addressing the core areas of your financial life: goal setting, coordinated investment advice, skillful tax planning, worry-free retirement planning, insurance analysis, lifestyle spending review, and proactive estate planning. In subsequent years – as your financial needs, goals, and values change – we continue our work together by providing ongoing monitoring, support, and maintenance of your financial plan to ensure that it remains current, and relevant.


Goal Setting

Understanding what is important to you is essential when structuring your finances. We work through exercises with you to identify and create plans to achieve your goals.

Coordinated Investment Advice

We will provide you with the objective, unbiased investment recommendations that are based on your personal needs so that you can make the best investment decisions.

Skillful Tax Planning

Taxes are at the core of financial planning. We review all potential tax consequences that can impact your financial security throughout the year.

Worry-free Retirement Planning

Retirement is about money; but it’s more about personal fulfillment and enjoyment. We will help you create a plan to make the most of your retirement years.

Risk Management – Are You Over or Under Insured?

Insurance. There are multiple options for any type of situation and the task of deciding what to choose can be daunting. We will discuss these issues in detail and help you spend your insurance dollars wisely.

Lifestyle Spending Review

We’ll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and, if needed, help you gain control over your spending.

Proactive Estate Planning

Estate planning goes well beyond making a will. We will evaluate with you the pertinent estate issues that impact your life and consider choices that you can then implement with your attorney.


Tax services are provided by Pingree & Company, our affiliated accountancy corporation.


Our ACP pledge to clients

HOLISTIC in outlook.
PROFESSIONAL in conduct.
EDUCATIONAL in nature.
INDEPENDENT in compensation.
COMMITTED to your success.

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Meet your team

Team

Bill Photo

Bill

Certified Financial Planner
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—Bill

Bill is a Certified Financial Planner (CFP) and has been working with Bay Area families and small business owners to achieve their financial goals since 1992.

Mark Photo

Mark

Certified Financial Planner
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—Mark

Mark is a Certified Public Accountant and Certified Financial Planner®.   He finds great satisfaction in helping clients create a financial plan that supports their unique goals and hopes for the future.  His tax knowledge provides an informed, tax-focused approach to financial planning.

Isa Photo

Isa

Associate Financial Planner
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—Isa

Isa is an Associate Financial Planner and supports Bill and Mark. She previously taught Calculus and studied Applied Mathematics at the University of California, Berkeley. Isa couples her teaching and analytic backgrounds to empower clients in their financial decision-making. Her ultimate drive is to improve access to unbiased financial education and spread financial literacy.

Resources to get you started

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For Clients

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TDA Advisor Client

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  • View your TDA brokerage and retirement account balances and investments 
  • Access account statements and tax documents
  • Change your statement delivery preferences (regular mail or electronically via AdvisorClient site)

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  • View your financial plan and information you’ve shared with us
  • Update your financial information outside of TD Ameritrade and Charles Schwab

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  • Send us files securely by uploading documents to this link

Interested in clear financial skies?

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