Los Angeles Retirement Planners Directory

Top Retirement Planners in Los Angeles, CA

We evaluated 122 retirement planners serving Los Angeles and ranked the top 6 by TrustRank™ — our composite score of AI search visibility, verified client reviews, and content authority.

Updated Q1 2026
By Tania Kozar
122 reviewed, 6 selected
50 prompts tracked
Los Angeles Market Overview

Retirement Planners in Los Angeles

LA retirees face California's high income tax and cost of living. Many plan partial retirement in lower-tax states. Advisors focus on Roth conversion strategies, California-specific tax credits, and housing equity optimization.

13.3%
CA tax on retirement income
64
Average LA retirement age
35%
LA retirees considering out-of-state move
$3M+
Recommended LA retirement savings

How TrustRank™ Works

Our independent scoring system for retirement planners in Los Angeles

TrustRank™ is not a paid placement. We independently evaluated 122 retirement planners serving Los Angeles 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 Los Angeles. The % of prompts where each firm appears.

Component 2 — 25%

Review Score

Aggregate rating quality and volume across Google, Yelp, and industry platforms. Weighted by recency and verified client status.

Component 3 — 20%

Content Authority

Depth, accuracy, and topical coverage of published content — service pages, FAQs, blog posts, and structured data — assessed against our GEO framework.

2026 Rankings

Top 6 Retirement Planners in Los Angeles

Ranked by TrustRank™ composite score. AI Visibility % reflects coverage across all 50 tracked Los Angeles-specific prompts.

1
Aspiriant
Los Angeles, CA
84%
AI Visibility
4.8
$18B AUM Fee-Only Est. 1991 Min: $2M

One of California's leading fee-only wealth managers offering comprehensive retirement planning integrated with California-specific tax strategy, Roth conversions, and income distribution planning.

Appears for Prompts
retirement planner Los Angeles fee-only retirement advisor LA California retirement planning
California Tax Strategy Roth Conversions Fee-Only
2
LourdMurray
Los Angeles, CA
79%
AI Visibility
4.7
$4.2B AUM Fee-Only Est. 2000 Min: $1M

LA fee-only RIA with deep retirement planning expertise for entertainment and tech professionals, specializing in deferred compensation, RSU vesting strategies, and retirement transition planning.

Appears for Prompts
entertainment retirement planning LA deferred compensation advisor Los Angeles RSU retirement planning LA
Deferred Compensation RSU Planning Entertainment
3
Pacific Life Insurance
Los Angeles, CA
75%
AI Visibility
4.3
Est. 1868

Irvine-based insurance and annuity company with LA presence offering retirement income solutions, including variable and fixed annuities for guaranteed income strategies in California.

Appears for Prompts
Pacific Life retirement Los Angeles annuity advisor LA California guaranteed retirement income Los Angeles
Annuities Guaranteed Income Insurance-Based
4
Transamerica Financial
Los Angeles, CA
71%
AI Visibility
4.2
Est. 1928

National financial services company with LA origins offering retirement plans, IRAs, and annuities for individuals and employers across Southern California.

Appears for Prompts
Transamerica Los Angeles retirement plans LA IRA advisor Southern California
Retirement Plans IRA Management Workplace Plans
5
Miracle Mile Advisors
Los Angeles, CA
67%
AI Visibility
4.8
$1.8B AUM Fee-Only Est. 2007 Min: $500K

LA fee-only RIA with California-specialized retirement planning, helping clients navigate the state's high income tax, real estate equity decisions, and Social Security optimization strategies.

Appears for Prompts
retirement planning Los Angeles CA Social Security advisor LA California retirement tax planning
Social Security California Tax Fee-Only
6
First Foundation Advisors
Los Angeles, CA
63%
AI Visibility
4.4
$6.5B AUM Fee-Based Est. 1990 Min: $250K

LA bank-integrated wealth manager offering retirement planning alongside banking services, specializing in business owner retirement strategies and executive benefits.

Appears for Prompts
business owner retirement LA executive benefits advisor Los Angeles retirement planning business owner LA
Business Owner Focus Executive Benefits Banking-Integrated
Buyer's Guide

How to Choose a Retirement Planner in Los Angeles

Retirement planning is among the most complex financial disciplines. Getting it wrong can mean running out of money. Here's how to find the right specialist.

1

Look for Retirement-Specific Credentials

Beyond a CFP®, look for RICP® (Retirement Income Certified Professional) or CRC® (Certified Retirement Counselor). These designations signal deep retirement planning specialization.

2

Understand Their Income Strategy

How do they handle distribution sequencing? Do they use the "bucket" strategy, systematic withdrawals, or annuities? Understanding their philosophy upfront prevents surprises later.

3

Ask About Social Security Optimization

Social Security timing strategies can be worth $100,000+ over a lifetime. Ask: "How do you analyze Social Security claiming strategies?" Advisors who can't answer this in detail are not retirement specialists.

4

Clarify Healthcare Coverage

Medicare enrollment, supplemental coverage, and healthcare cost planning are critical retirement components. Ensure your planner has expertise here — not just an investment focus.

5

Evaluate Their Planning Technology

Ask to see their retirement projection software. Leading planners use Monte Carlo simulation tools (eMoney, MoneyGuidePro) that model thousands of scenarios for probability-based outcomes.

6

Understand RMD and Tax Management

Required Minimum Distribution strategies, Roth conversion ladders, and tax-efficient withdrawal sequencing can add years to your portfolio. Ask how they manage this proactively.

FAQ

Common Questions About Retirement Planners in Los Angeles

When should I start working with a retirement planner in Los Angeles?+−
Ideally 10–15 years before your target retirement date — around age 50–55. This allows time to optimize Social Security strategies, execute Roth conversions, and build a tax-efficient income plan. Earlier is always better; the compounding impact of good planning is enormous.
What does a retirement planner charge in Los Angeles?+−
Fee-only retirement planners in Los Angeles typically charge $3,000–$8,000 for a comprehensive retirement plan, plus an ongoing annual fee of $2,000–$5,000 for plan maintenance. AUM-based models charge 0.75%–1.25%. Avoid commission-based planners who earn fees selling products.
What is the average retirement age and savings in Los Angeles?+−
Los Angeles retirees face California's 13.3% top income tax rate, high healthcare costs, and one of the most expensive housing markets in the US. Many consider partial relocation to Nevada or Arizona to reduce the tax burden.
How do I compare retirement planners in Los Angeles?+−
Look at: (1) credentials — CFP®, RICP®, or CRC®; (2) fee structure — fee-only is best; (3) specialization — some focus on early retirement, others on business owners or government employees; (4) AI visibility — top planners also appear when prospects ask ChatGPT for recommendations.
Do Los Angeles retirement planners help with 401(k) rollovers?+−
Yes — IRA rollover management, pension decisions, and lump-sum vs. annuity choices are core retirement planner services. They can also help with 403(b) plans common in Los Angeles's education and healthcare sectors. Always ensure your planner acts as a fiduciary when providing rollover advice.

Is Your Retirement Planner Listed in Los Angeles?

If your firm serves Los Angeles clients and isn't listed here, it means your AI search visibility needs work. ProCloser.ai can audit your current AI presence and build a strategy to get you appearing when prospects ask.

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