If you are looking for a financial advisor with phenomenal customer service who will guide you on your financial journey, Pure Financial is a great option. We started with a very detailed and helpful comprehensive free assessment with Joe Schweiger and Robert McCullock. I was shocked at how much detail they went into with us and the amount of free advice they gave during our assessment. After our free assessment, we hired them to do an initial investment plan and were so impressed with their work that we hired them to help us with a continuous investing plan. I have called them with questions numerous times and even asked for recommendations on additional resources to increase my financial knowledge. They have always pulled through and they are easy to talk to about finances. Special thanks to Rachel Tiffer, Joe Schweiger and Robert McCullock for being so kind and helpful. read more

Johnson Andrews is our planner/advisor, and he is very bright, knowledgeable and responsive. He has created an excellent plan for us and has quickly begun to execute. I highly recommend him and Pure Financial. read more

A+! These guys are through, detail-oriented, knowledgeable, and client-focused. I have been able to meet regularly with my Certified Financial Planner Kendle Smith via Zoom, and the technological side of things has always worked smoothly and conveniently. Everything promised has been followed up on and delivered quickly and I really feel like this firm has their act together and they anticipate clients questions and needs. I highly recommend them even just for an initial consultation (free) or "check up" of your financial big picture. read more

Enjoy working with them , prior to signing on we spoke and meet with 2 other firms. We do not have a tremendous estate but have saved for retirement and needed another set of eyes to review than our own judgement. It has been a good relationship. The advice planning and adjustments in our accounts have worked seamlessly and to our advantage. We do not feel pressured and like to know what the fees are upfront. We feel we are getting a service and it has been profitable. We would recommend them. We have not done the classes and have seen the morning show and didn't know they existed until after our research and interviews. Those programs seem like a good way to get an idea of how to start looking at your biggest life alerting decision... how will you live in retirement read more

The wife and I stopped by to see Matt Balderson for a check up yesterday. He will now be referred to as Mr. Good News. Thanks, guys! read more

I have been with Pure Financial for several years now. It began with a retirement class they taught at SDSU. It was incredibly useful and they never stated who they worked with or attempted to sell their services. I was so impressed with what I learned that I sought them out. I have never regretted that choice. Since working with them, I have had to navigate several major life changes, and they were beside me the whole way, providing needed guidance and ideas that proved to be very useful and keeping my finances in order. I am a huge advocate of "fee-only agencies", knowing that they are making the best investment suggestions for me, not based on commissions. Nate is my advisor and he is terrific. The icing on the cake is their annual customer appreciation day. read more

I was referred to Pure Financial by Smart Asset. Ultimately I decided to go with a different advisor. I told Pure of my decision. Nonetheless, Pure Financial has called me once or twice a day for over a month. I block the numbers they are calling from but the daily calls keep coming. Also be sure to check they're record with the SEC. It is less than stellar which is why I decided to work with a different advisor. I am also less than satisfied with Smart Asset for referring me there. read more

I participated in Joe and Robert's two session retirement planning class at Mira Costa College, and overall it was far above my expectations. Joe covered a wide breadth of information from retirement tax pitfalls and strategy to investment basics, Social Security to the many retirement plans, and gave many helpful antidotes and tips. The workbook was useful, and the program professional. I highly recommend the class to get yourself retirement savvy and on the right track. read more

Very disappointed in the high pressure sales tactics. I had explained the need for additional time. Guess that didn't set well. Too, bad, I had thought of using them. Felt like I got a phone call from a Solar vendor than a professional financial fiduciary. UPDATE I was contacted by the CEO who asked what happened. I thought this was thoughtful. He wasn't pressuring, just thoughtful questions of what could have happened to have a better experience. So, I am changing the 1 start to a 4 star. The reason being is the information was what they were offering and it was very good information for no initial money changing hands. It was just the Advisor who came across in a way that was not pleasant to me in a follow up phone call. NOT during the interview process. read more

I was encouraged to check into Pure Financial several years ahead of my retirement date. From the beginning of our association through a introductory analysis, I was very confident in what the company could provide for my family in terms of long term financial security. Not only was Pure and its advisors able to consolidate savings and investments to clarify the overall roadmap necessary to be successful in retirement, but they were also able to recommend outside assistance in terms of tax advice and legal documentation for the family trust. All of this was at my request and I have never felt any pressure to make decisions that I was not comfortable with in regards to my family's future. I have worked with Mr. Peter Keller for several years now, and earnestly trust his experience, guidance and immense understanding of our specific wishes and needs. Now retired, the financial strategies are as crucial, if not moreso, since I have stopped working. Whether it is investing or spending strategies, I can comfortably play hard all day and sleep well at night, knowing that my own family has been on the right financial path since becoming a part of the Pure Financial family. Thank you Peter and thank you Pure Financial. read more

My husband and I were very late to the retirement planning game. So one day when I got a flyer in the mail about registering for a two day course on the subject, we jumped on it. It turned out to be the best move we have ever made in terms of our financial future. Fast forward three months, and my husband and I are finally feeling secure about our retirement plans. And that is all due to the efforts of Joe Anderson and his team at Pure Financial. Joe is 100% commited to what he does and his classes proved that to be beyond true. We quickly took advantage of the free consultation after his course and signed on with Robert McCullock who took the time to walk us through the complete changes we should make to our currrent situation. None of it seemed unreasonable and he was able to explain all the aspects of our plan in layman's terms, always being accessible via phone, email or in person to address any of our questions. I can't say enough of how much Robert has helped us better manage our financial future. The staff at Pure are all about objective recommendations, no hard sells for this financial product or that one like you usually have to field if you have ever contacted a brokerage house. The entire experience was extremely educational and supportive. At the end of the day, you have to be comfortable with where your money is going and the staff at Pure are all about empowering people to do just that. All I can say is that we sleep better at night now. Do yourself a favor and give this firm a try. You won't regret it. read more

I love working with Pure Financial. The advisors are friendly, knowledgeable, and incredibly helpful. As a person in my 30s, I'm not their typical client. But after having inherited some money from family, I thought it wise to invest toward my future. The advice and assistance Pure Financial has provided me has been invaluable. Because of their assistance I have been able to buy a house, pursue my dream career, and still have a retirement fund growing for when I'm ready. I recommend Pure Financial to anyone needing help with financial planning. read more

My wife and I went looking for a fee only financial planner after several years using a commission based financial adviser. Between the advise we has received from our previous adviser and some random investments we had made over the years, our financial plan was a bit of a mess. We were extremely pleased with every aspect of our experience at Pure Financial. The women at the front desk were friendly and made us feel welcomed. The introductory meeting was incredibly thorough and informative. When we went back for our second meeting, we were given a detailed report of where we stood(both good and bad!). The adviser we met with, Danny, took time to go through the report and outline the areas we needed to work on. He's a personable guy that clearly knows what he is doing. Within an hour and a half, we had a better understanding of tax saving strategies, asset allocation, and how to leverage the different vehicles for retirement planning. Due to being in the early stages of building wealth, we did not go any further into their financial planning process. This was a mutual decision between us and the adviser and was not a reflection on Pure Financial. We hope to be in a position to use Pure Financial's services in the not so distant future! read more

My experience with Pure Financial started out with a retirement seminar at Mira Costa Community College several years ago. I learned a lot and followed through with the free detailed assessment of my financial situation that was offered to seminar participants. I never felt any "high pressure sales tactics" and my advisor Karen even suggested Vanguard for my investments if I didn't go with Pure. I have quarterly meetings with her and I love the way she explains everything to me. She checks all my financial boxes and makes sure that I am up to date on everything. My financial picture has improved significantly since I started with Pure. It is a long drive but well worth it to me. I feel very comfortable at Pure and highly recommend them to friends and family. My daughter and her husband also went with Pure and they are very happy with Nate. read more

After using a traditional fee based money manager for almost 20 years, we moved all of our investment and retirement accounts to Pure Financial. There are two reasons people should do this. First, Pure's fees are way less--less than half of what "active" money managers charge, and the active money managers are charging you fees to put you into mutual funds and other investments that yet charge MORE FEES! I realize that about 3% of our total assets each year were being paid out to the combined levels of fees. Take that over a20 year horizon, and the numbers are really ugly--half of your investment principal will have been paid to fees over that time. The only way they can justify the fees is to outperform the market and crush the returns. BUT, they can't do it consistently, and over half of the active money managers in mutual funds underperform their respective indexes. Then your money manager has to roll up all of those mixed returns, through the diverse portfolio mix, only to deliver mediocre returns. What Pure Financial does instead is invest in a diverse set of indexes, with very little fees, and then they charge minimal fees as there is very little active management. The reason no one else does it this way is that the financial services industry is in bed with itself--managers charging big fees to "actively" manage your assets, then investing that with mutual funds and other investments that charge yet more fees. And along the way, most don't beat the indexes! So just save all the fees, and invest in the indexes through Pure's portfolio approach--done! read more

The Pure philosophy is solid and they integrate tax planning as part of the overall financial planning and they have made overall recommendations that have saved me thousands based on my income and tax liability. You can read from the several other reviews here about their philosophy of being a fiduciary and they don't work on commissions.....a huge difference from most of the rest of the industry; their financial planners are paid a salary instead of commissions. You pay them initially for a detailed financial plan which runs $2,500 and if you decide to have them manage your money, they have a graduated fee schedule that gets significantly cheaper with the more money you have invested with them...my current overall fee averages about .8% a year. And the investments they choose are very low expense funds from Vanguard and Dimensional funds as well as several others. Since they operate as a fiduciary, they will tell you if they recommend that you manage your own money if the amount you have would cost alot in fees...the first 300k is the highest fee percentage, versus having them manage it...but they will give you the recommendations on how to invest it. They are comprehensive in their planning and they always follow through and are extremely reliable, always working for the client rather than making recommendations based on commissions. I am completely satisfied and have recommended them to multiple other people. I am frankly surprised at the one 2 star review that was posted; that has not been my experience or the experience of the several other people that I know that are working with them. read more