San Jose Retirement Planners Directory

Top Retirement Planners in San Jose, CA

We evaluated 118 retirement planners serving San Jose and ranked the top 8 by TrustRank, our composite score of AI search visibility, verified client reviews, and planning credentials.

San Jose retirement planning is shaped by FCERS for San Jose city employees. FIRE movement highly concentrated; tech workers retiring at 40–55.

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Updated Q1 2026
By ProCloser Research
118 reviewed, 8 selected
50 prompts tracked
San Jose Market Overview

Retirement Planners in San Jose

San Jose's retirement planning market serves a growing population of pre-retirees and retirees managing significant accumulated wealth. FCERS for San Jose city employees. FIRE movement highly concentrated; tech workers retiring at 40–55. The state's tax treatment of retirement income, 13.3–14.63% all-in, is a central consideration in distribution planning, and advisors often help clients evaluate whether relocating post-retirement optimizes their long-term financial position.

750+
CFPs registered in the metro area
$1.2M
Average retirement savings target
67
Average retirement age locally
78%
Pre-retirees with planning gaps

Retirement professionals connect through CFA Society San Francisco, 3,200+ members (serves San Jose) and the FPA CA Chapter. The FCERS for San Jose city employees shapes the local retirement planning context.

ACG Silicon Valley (approval-based; hosts M&A Tech Connect)CFA Society San Francisco, 3,200+ members (serves San Jose)FPA Silicon Valley

How TrustRank Works

Our independent scoring system for retirement planners in San Jose

TrustRank is not a paid placement. We independently evaluated 118 retirement planners serving San Jose across three measurable dimensions. No firm can pay to appear or improve its rank.

Component 1, 55%

AI Visibility Score

We tracked 50 prompts across ChatGPT, Perplexity, Google AI Overviews, and Claude asking about retirement planners in San Jose. The % of prompts where each firm appears.

Component 2, 25%

Review Score

Aggregate ratings across Google, Clutch, and the ProCloser.ai verified review system. Weighted by volume and recency of verified client reviews.

Component 3, 20%

Content Authority

Depth, accuracy, and credibility of published content, case studies, and thought leadership demonstrating sector expertise in San Jose.

Top 8 Retirement Planners in San Jose, CA

1
Fidelity Investments Retirement Planning
Serves San Jose, CA
93%
AI Visibility
★★★★★4.3
Fee-Based Est. 1946 Min: $25K+ savings

America's leading retirement planning provider with San Jose offices and advisors, offering 401(k) rollovers, IRA management, and retirement income planning supported by industry-leading digital tools.

Appears for Prompts
Fidelity retirement San Jose401k rollover San Joseretirement planner San Jose
401k RolloverIRA ManagementDigital Tools
2
Vanguard Retirement Planning
Serves San Jose, CA
90%
AI Visibility
★★★★★4.5
Fee-Only Est. 1975 Min: $50K+ savings

Low-cost retirement planning leader offering San Jose clients CFP-guided planning paired with Vanguard's renowned index fund portfolios and an industry-low 0.3% advisory fee.

Appears for Prompts
Vanguard retirement San Joselow cost retirement planner San Joseindex fund retirement San Jose
Low-CostIndex FundsCFP Access
3
Charles Schwab Retirement Planning
Serves San Jose, CA
86%
AI Visibility
★★★★★4.4
Fee-Based Est. 1971 Min: $25K+ savings

Comprehensive retirement advisory from Schwab with San Jose branch advisors offering personalized planning, managed accounts, and retirement income strategies.

Appears for Prompts
Schwab retirement San JoseCharles Schwab San Joseretirement income San Jose
Managed AccountsIncome StrategiesBranch Advisors
4
TIAA
Serves San Jose, CA
82%
AI Visibility
★★★★★4.3
Fee-Based Est. 1918 Min: $50K+ savings

Retirement specialist for academics, non-profits, and healthcare workers with San Jose advisors focusing on TIAA-CREF accounts, annuities, and retirement income planning.

Appears for Prompts
TIAA retirement San Josenon-profit retirement planner San Joseannuity advisor San Jose
Non-Profit SectorAnnuitiesAcademic Clients
5
Northwestern Mutual Retirement Planning
Serves San Jose, CA
78%
AI Visibility
★★★★★4.2
Fee-Based Est. 1857 Min: $100K+ savings

Integrated retirement planning from Northwestern Mutual's San Jose advisors, combining permanent life insurance, investment management, and comprehensive income planning.

Appears for Prompts
Northwestern Mutual retirement San Joselife insurance retirement San Joseincome planning San Jose
Life InsuranceIncome PlanningIntegrated Advice
6
Principal Financial Group
Serves San Jose, CA
74%
AI Visibility
★★★★★4.1
Fee-Based Est. 1879 Min: $50K+ savings

Full-service financial services company with San Jose retirement advisors specializing in group retirement plans, business owner retirement, and individual retirement income.

Appears for Prompts
Principal Financial San Josegroup retirement plan San Josebusiness owner retirement San Jose
Group PlansBusiness Owner RetirementIncome Planning
7
Nationwide Retirement Solutions
Serves San Jose, CA
69%
AI Visibility
★★★★★4
Fee-Based Est. 1926 Min: $25K+ savings

Insurance-backed retirement planning provider with San Jose advisors offering 401(k) plan design, IRA rollovers, and retirement income planning with guaranteed income options.

Appears for Prompts
Nationwide retirement San Joseguaranteed retirement income San Joseretirement planning San Jose
Guaranteed Income401k PlansIRA Rollovers
8
New York Life Retirement
Serves San Jose, CA
65%
AI Visibility
★★★★★4.2
Fee-Based Est. 1845 Min: $50K+ savings

Legacy insurance and retirement planning firm with a strong San Jose network of agents offering whole life insurance, annuities, and retirement income products.

Appears for Prompts
New York Life retirement San Joseannuity planner San Joselegacy planning San Jose
Whole Life InsuranceAnnuitiesLegacy Planning

Frequently Asked Questions

Common questions about choosing retirement planners in San Jose, CA.

How do I choose a retirement planner in San Jose?+−
Look for CFP professionals with specific retirement income planning experience. Ask about their Social Security optimization approach, withdrawal sequencing strategies, healthcare cost projections, and how they handle required minimum distributions. Verify credentials at CFP.net.
How is this San Jose retirement planner ranking calculated?+−
ProCloser.ai's TrustRank score combines AI Visibility Score (55%), Review Score (25%), and Content Authority (20%). Rankings are updated quarterly and cannot be influenced by payment.

Related Rankings

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SEC-registered investment advisers headquartered in San Jose, CA

The SEC bulk Form ADV file lists 21 SEC-registered investment advisers with a main office in San Jose, CA. They report $12.8B in regulatory assets under management between them. The median firm reports $305M.

On compensation (Item 5.E), 5 advisers report percentage-of-AUM fees as the only method and 0 advisers report commissions. 14 advisers serve high-net-worth individuals (Item 5.D). 9 advisers list pension consulting among their services (Item 5.G) and 7 advisers report pension or profit-sharing plan clients (Item 5.D).

5% of the San Jose firms (1 of 21) answer yes to the firm-level disciplinary history question in Item 11 of Form ADV, so check each firm's record before you hire.

Ten largest by regulatory AUM
FirmCRDRegulatory AUMEmployeesSEC status since
Pegasus Tech Ventures, Inc.164588$2.6B462024
Silicon Valley Retirement Services, LLC154756$1.4B22010
Werba Rubin Papier Wealth Management, LLC139237$1.4B182006
Kera Capital Partners, Inc.312875$1.4B132021
Silicon Valley Capital Partners, L.P.125114$1.3B82003
Concentrum Wealth Management, Inc.167151$987M72013
Clarity Wealth Advisors, LLC157913$733M52014
Betterwealth LLC226661$660M62015
TTP Investments, Inc.284082$571M32016
Potentia RIA, LLC329135$569M162024

The largest registrants by assets include fund managers and institutional advisers that do not serve individual households, so a consumer should read the client-type counts above rather than the AUM table alone.

Source: SEC Investment Adviser Public Disclosure, Form ADV Part 1 bulk data, 2026-10-02.

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