Financial Planning Consultants

Financial Planning Consultants

Financial Planning Consultants was established in 1977 and has operated from its Mission Valley office ever since. Founder Douglas Jarman remains active after 43 years, working alongside a team of CFP professionals including Joel Everett, Nathan Jarman, and Cory Gray. The firm has historically served San Diego families, professionals, and business owners, with a client base that now stretches across Southern California and other U.S. states. Thad Pugmire, who served as president before retiring in 2023, was part of the leadership group that carried the practice across decades of regulatory change. The firm's advisory model is built on financial planning as the primary engagement hook, with asset management flowing from that plan. Service lines include retirement income strategies, college savings plans, estate conservation, and tax planning. Investments are executed through LPL Financial, which provides the broker-dealer and registered investment advisor platform. The firm also addresses specialized needs such as special needs trusts and business retirement plans, including 401(k) administration for employer clients. By maintaining a relationship with LPL, FPC gains access to a wide range of investment products without building proprietary fund structures. The team lists seven professionals across advisory, operations, and client relations roles. Thad Pugmire retired in 2023 after a career spanning more than 40 years, leaving the firm in the hands of the next generation of CFP practitioners. No separate philanthropic vehicles or adjacent operating businesses are disclosed. The firm has not publicized total assets under management or a formal number for clients served, reflecting a posture focused on local reputation rather than scale metrics. Financial Planning Consultants' structural differentiator is its tenure within the independent-contractor model of LPL Financial. While many advisors have migrated to corporate RIAs or aggregators, FPC has stayed as a small, standalone practice — surviving multiple market cycles by rooting itself in the Mission Valley community and relying on multigenerational client relationships.