Molano Wealth Management

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Client assets under management

$800,000

Clients

0% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

$160,000

About

Molano Wealth Management serves a very small roster of individual clients and provides discretionary asset management alongside comprehensive financial planning, hourly consultations, and an ongoing subscription planning service. The firm reports $800,000 in discretionary assets under management and operates with a small advisory team, focusing on individualized goals, time horizons, and risk tolerances.

The firm’s investment work is discretionary and tailored to client objectives, using a mix of fundamental, technical, cyclical analysis, Modern Portfolio Theory, and Monte Carlo techniques to inform asset allocation, monitoring, and rebalancing. Financial plans are documented and updated as needed, and ongoing planning clients are offered regular meetings and check-ins as part of a subscription model described in the brochure.

Compared with many peers, Molano is notable for its very small client base and AUM and for actively offering public educational seminars and workshops by contract, which the brochure describes as strictly educational. The adviser also discloses a tied insurance business occupying a modest portion of time and a no-minimum account policy, reflecting a practice profile oriented toward non‑high‑net‑worth individuals rather than a primarily HNW clientele.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning Cash flow / budgeting General estate planning guidance Life insurance needs analysis Tax-loss harvesting

Fee options

Fixed

Financial planning fixed fees ranging from $3,000 to $36,000; seminars/workshops $300 per hour (including prep)

Percentage

$0 - $2,000,000: 1.00% annually $2,000,000.01+: 0.90% annually

Commissions

Separate commissions for insurance products sold through Molano Insurance Services

Project-based

$300 per hour for consultation services

Subscriptions

Monthly subscription fee of $189/month for ongoing financial consulting; initial meeting fee $499

Other

Fee-only: Financial planning fixed fees from $3,000 to $36,000; hourly fee $300/hour; monthly subscription $189/month with $499 initial meeting fee

Main office location

Molano Wealth Management

525 W Main St., Suite 120 1193

Visalia CA 93291, United States

Number of offices

Most active in

California

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 559-348-7038

Advisors at this firm

David M

Series 65

Visalia, CA

Molano Wealth Management

David Molano is the principal advisor at Molano Wealth Management in Visalia, CA, holding a Series 65 license with three years of industry experience. His prior work includes roles at H&R Block and the Visalia Unified School District, and he also operates Molano Insurance Services, an insurance agency he has managed since 2009. Molano Wealth Management provides discretionary portfolio management and comprehensive financial planning services to individual and business clients. The firm uses tailored investment strategies based on fundamental and technical analysis, Modern Portfolio Theory, and Monte Carlo projections, and offers educational seminars and subscription-based planning services alongside its asset management.

General retirement planning Cash flow / budgeting General estate planning guidance Life insurance needs analysis Tax-loss harvesting

James P

Series 65

Visalia, CA

Molano Wealth Management

James Payne is a financial advisor at Molano Wealth Management in Visalia, CA, holding a Series 65 designation. He has worked in various roles since 2023 and was a full-time student from 2016 to 2023. Outside of his advisory work, he operates J-Curve Investing LLC. Molano Wealth Management provides discretionary portfolio management and financial planning services to individual and business clients. The firm tailors investment programs to client goals using fundamental and technical analysis, Modern Portfolio Theory, and Monte Carlo projections, and offers educational seminars and a subscription-based ongoing planning service.

General retirement planning Cash flow / budgeting General estate planning guidance Life insurance needs analysis Tax-loss harvesting

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