PLAN FOR THE RETIREMENT YOU DESERVE
At Waller Financial Coaching, we work with people at every stage of the retirement journey — whether you’re planning to step away early, make work optional, or retire right on schedule. Whatever your timeline, the goal is the same: a plan that gives you complete financial freedom on your own terms.
Memberships & Alliances
Waller Financial Coaching holds itself to the highest standards in the industry, so you can trust the guidance you receive is grounded in real expertise.
As a CFP Board-accredited and NAPFA member firm, we are flat fee financial planners with no commissions, no conflicts — just clear, objective advice for the years ahead.
Our memberships and community ties reflect our commitment to staying current, connected, and accountable to the clients we serve.
Proud to also support:
Scouting America Troop 2 Chico, BCFD Co42, North State Ballet, Chico State Financial Planning Club, Chico State Financial Planning Competition, Pleasant Valley High School Personal Finance Program, Pleasant Valley Sports Booster and United in Stride.
who we serve
Almost Ready to Retire
You're close enough to see retirement but still have time to get the plan exactly right. These are your most important financial years, let's make every one count.
Partnership-Minded
We do our best work with individuals who show up engaged and ready to plan together. Retirement planning is a partnership, and we take that seriously.
Plan-Driven
You've worked too hard to leave retirement up to chance. We map out every detail — income, healthcare, Social Security, taxes — so nothing surprises you.
Wealth Protectors
You've spent decades building your savings and your life. We help you protect what you've earned and position it to carry you confidently through retirement.
Our process
Starting your retirement plan with Waller Financial Coaching is simple, clear, and built around you. We’ve streamlined our process into three straightforward steps, so you always know where you stand and what comes next.
Discovery Call
We start with a no-obligation conversation about where you are, where you want to be, and when you want to get there.
Foundational Review
Get a second opinion on your finances. We review what you have, identify what’s missing, and deliver a clear plan you can move forward with confidently.
On-going Advice
If we’re a long-term fit, we stay by your side, adjusting your strategy as life changes, so you’re always on track.
MEET OUR FOUNDER
Hey, I'm Justin...
Certified Financial Planner™ + 6x IRONMAN Finisher
As a financial planner for over 20 years and an endurance athlete, I know that reaching any major goal takes preparation, discipline, and the right support system.
That’s why I launched Waller Financial Coaching – to help pre-retirees who have worked hard and built something real finally get a clear, confident plan for the retirement they’ve earned.
Serving the Northern California area and beyond, I look forward to learning what retirement means to you and helping you get there.
client success stories
Path to a Satisfying Early Retirement
Laurence & Linda
From Playgrounds to Cap and Gowns
Brad & Catherine
Pivoting with Purpose
Jay & Emma
Stay Ahead of Retirement - Insights to Keep You on Track
Planning and saving for retirement doesn’t happen overnight. It takes years of small, intentional decisions to be able to retire confidently. Join hundreds of pre-retirees and early retirees who receive monthly insights to make smart retirement decisions to help them retire on their own terms.
Account Access
