A financial adviser for the whole Bay Area

PENINSULA · SOUTH BAY · EAST BAY · MARIN · SF

ImpactAdvisor LLC is a fee-only, independent RIA based in San Francisco, advising substantial portfolios across the region — most meetings virtual, in person when it matters.

One bay, many balance sheets

A Peninsula engineer sitting on vested RSUs, a South Bay owner readying a business for sale, an East Bay couple sequencing retirement accounts, a Marin family coordinating a trust — different problems, one common thread: California taxes touch each decision. We advise across the region from San Francisco, in person when you want it and virtually the rest of the time.

Large gains, managed on purpose

A substantial Bay Area portfolio is mostly appreciated — the index funds from a decade ago, the employer stock, the building — and selling anything hands the brackets their cut first. The work is managing around the gains: building diversification against embedded positions, hedging the concentrated name instead of dumping it, borrowing against the portfolio when cash is needed without a sale, and giving appreciated shares rather than cash when giving is part of the plan.

Fifteen minutes to see if we fit

Wherever you are in the Bay, the intro call is the same short conversation: what you're looking for, how we work, and whether we're a match. Start with 15 minutes — or first read what the full relationship includes and compare both service models and the minimums.

Frequently asked questions

Do I need to come into San Francisco?

No — most client work across the Bay Area is virtual, and it works as well from Palo Alto or Walnut Creek as from the Marina. The Union Street office is there when an in-person meeting is worth the bridge or the 101.

Do you work with tech equity — RSUs, options, founder stock?

Extensively. Concentration from equity compensation is one of the firm's core specialties, from hedging a single position to diversifying it tax-aware over time.

What does fee-only mean for me?

You pay us; nobody else does. No commissions or revenue sharing, so a recommendation to hedge, sell, hold, or diversify carries no hidden compensation behind it.

What are the minimums?

They vary by investment solution and service model — the current figures are published at impactadvisor.com/products.