# Financial Planning Consultants

Financial Planning Consultants is a Bank / Wealth / Trust based in San Diego, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** San Diego, United States
- **Region:** North America
- **Address:** 1450 Frazee Rd., Ste. 308, San Diego, CA 92108, United States
- **Founded:** 1977
- **Assets under management:** Undisclosed
- **Website:** fpconsultantsinc.com
- **LinkedIn:** https://www.linkedin.com/company/nathanjarman

## Regulatory record

- **CRD number:** 137502
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/137502

## About

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.

## Sectors

- Wealth Management
- Financial Planning
- Retirement Planning
- Estate Planning
- Tax Planning

## People

- Joel H. Everett — LPL Financial Advisor
- Nathan D. Jarman — LPL Financial Advisor
- Douglas B. Jarman — Financial Planning Professional
- Cory Gray — LPL Financial Advisor
- Karen Nielsen — Office Manager
- Melanie Parker — Client Relations Manager
- Thad S. Pugmire — Former President

## Questions

### Who runs investment decisions at Financial Planning Consultants?

The firm operates through individual LPL Financial Advisors, each holding the CFP designation. Joel Everett, Nathan Jarman, Cory Gray, and Douglas Jarman all serve in this capacity. Investment decisions are made within the framework of financial plans developed for each client, utilizing LPL Financial's platform for product access and execution.

### How does the firm deliver investment management services?

The firm uses LPL Financial as its broker-dealer and RIA custodian. This means FPC advisors construct portfolios using LPL's platform of investment products, insurance services, and research, rather than managing assets through a proprietary fund or internal asset management division.

### What client segments does Financial Planning Consultants typically target?

The firm works with individuals, families, trusts, and business owners. Services include retirement planning, estate conservation, college savings, and 401(k) plan support for employers. Its client base spans San Diego, Southern California, and several other U.S. states.

### What happened to the firm's prior leadership?

Thad Pugmire, who served as President, retired in 2023 after more than 40 years with the firm. The advisory practice continues under the existing team of LPL Financial Advisors led by Douglas Jarman, Joel Everett, and Nathan Jarman.

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Last updated: 2026-06-03T20:00:00.000Z

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