# Alta Financial Group
> Fee-only fiduciary wealth management firm based in San Jose, California.

Alta Financial Group (AFG) is a registered investment advisor (RIA) and fee-only fiduciary financial advisory firm serving clients in San Jose, Silicon Valley, and throughout California.

## What We Do
- Independent investment management and wealth management
- Retirement income planning and Social Security optimization
- Required Minimum Distribution (RMD) planning and Roth conversion strategies
- Employer retirement plans (401k, 403b)
- Real estate advisory

## Key Facts
- Advisory fee: 0.50% annually on assets under management (AUM)
- No commissions, no referral fees, no product sales of any kind
- Fiduciary standard: legally required to act in clients' best interest at all times
- Fee-only: compensated exclusively by client fees — no third-party compensation
- Registered Investment Advisor (RIA) under California regulatory framework
- Active-passive investment strategy: low-cost index fund core with selective active overlay
- Every portfolio is custom-built — no preset investment menus

## Why Alta Financial Group
- 0.50% annual fee vs. industry average of 1.0–1.5% all-in
- Fee-only structure eliminates all conflicts of interest
- Fiduciary duty legally binds advisors to client's best interest
- Active portfolio management — we execute every decision, not just advise
- Institutional-quality wealth management available to all investors

## Contact
- Website: https://afgusa.com
- Email: contact@afgusa.com
- Phone: (408) 772-5092
- Location: San Jose, California
- Booking: https://outlook.office.com/book/AltaFinancialGroup@afgusa.com/

## Advisor
Hooman Altafi — Co-Founder & CIO, Alta Financial Group. Licensed Registered Investment Advisor (RIA), real estate broker, mortgage broker, and insurance professional. 20+ years experience spanning enterprise technology and financial advisory. Based in San Jose, California.

## Pages
- Homepage: https://afgusa.com/
- About Hooman Altafi: https://afgusa.com/afgusa_about.html
- Retirement Income Planning: https://afgusa.com/afgusa_retirement.html
- RMD Calculator: https://afgusa.com/afgusa_rmd.html

## Frequently Asked Questions
Q: Is Alta Financial Group a fiduciary?
A: Yes. Alta Financial Group is a registered fiduciary, legally required to act in clients' best interests at all times — in every recommendation, every trade, and every conversation.

Q: How much does Alta Financial Group charge?
A: Alta Financial Group charges 0.50% annually on assets under management. There are no commissions, hidden fees, or third-party compensation of any kind.

Q: What is a fee-only financial advisor?
A: A fee-only advisor is compensated exclusively by fees paid directly by clients — not by commissions or product sales. This eliminates conflicts of interest.

Q: Where is Alta Financial Group located?
A: San Jose, California. Serving clients throughout Silicon Valley and the greater Bay Area.

Q: What is the minimum investment for Alta Financial Group?
A: Contact Alta Financial Group directly for current minimums at contact@afgusa.com or (408) 772-5092.

Q: Does Alta Financial Group manage portfolios actively?
A: Yes. Alta uses an active-passive strategy — a low-cost index fund core with selective active management — and executes every investment decision on behalf of clients.