Analyzing 7,203,8127.2M ReviewsFor 20,40220.4K Experts
We graded 5 companies on seven things customers actually report: satisfaction, reliability, workmanship, value, momentum, track record and how owners handle complaints.
From 5,601 Google reviews of 66 top-rated retirement planning nationwide; 5 of them in San Mateo, CA. Updated November 2, 2026.
Pick the job — we re-rank companies by how customers rated that exact job.
Experts Score 0–100Experts Score (0–100)Absolute quality first: recency-weighted star average (≈54%), share of 1–2★ reviews (≈24%), customers’ price verdicts (≈14%), owner replies to critical reviews (≈7%); minus up to 10 points each for complaints flagged in Google review highlights and for a real slide in recent ratings. Hover a company’s score on its page for the full breakdown. and a letter grade per factor (A = top 20% of retirement planning).
| # | Company | ScoreExperts Score (0–100)Absolute quality first: recency-weighted star average (≈54%), share of 1–2★ reviews (≈24%), customers’ price verdicts (≈14%), owner replies to critical reviews (≈7%); minus up to 10 points each for complaints flagged in Google review highlights and for a real slide in recent ratings. Hover a company’s score on its page for the full breakdown. | FactorsFactor grades, in orderSatisfaction (54%): Recency-weighted star average (2-year half-life), shrunk toward the category mean by review volume; the company’s own lifetime average as the prior; absolute: 4.0★ = 0, 5★ = 100.Reliability (24%): How rarely jobs go badly: share of 1–2★ reviews — 60% the last 24 months (or the 20 newest if fewer), 40% all-time; 0% = 100, 15%+ = 0; the category percentile can only raise it.Craft & service (0%): Google review highlights: Quality, Professionalism, Responsiveness, Punctuality — how rarely reviewers flag them as a negative, per review since highlights began; 0% = 100, 5%+ = 0. Subtracted from the score (up to −10), never averaged in — clean highlights are the norm, not a bonus.Value (14%): Customers’ own price verdicts (Great / Reasonable vs Overpriced) and Value highlights; 65% absolute (all “reasonable” ≈ 80, “great” = 100), the category percentile can only raise it.Momentum (0%): Penalises only a real slide: last-12-month average below lifetime (−0.5★ = 0). Still 4.8★+ over the last year, or steady/improving = 100. Subtracted from the score (up to −10), never averaged in.Replies to reviews (7%): How often the owner publicly replies to reviews under 5★ (1–4★). Needs 3+ such reviews, otherwise not counted; 65% absolute (80%+ replied = 100), the category percentile can only raise it.One letter per factor score: A = 80+, B = 60–79, C = 40–59, D = 20–39, F = below 20. | ★Google star rating as shown on Google Maps. | Typical billMedian bill customers of this company reported in their reviews (needs 3+ priced reviews). |
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| 1 |  Sid Financial Services, LLCSan Mateo, CA | A 99How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 59%99+58.1Reliability 26%98+25.6Value 15%100+15.2Experts Score= 99Not enough data for replies to reviews; its weight is shared by the others.Grade A: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews. | AA–AA– | 5.00 | — |
| 2 |  Team HewinsSan Mateo, CA | A 99How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 69%99+68.5Reliability 31%98+30.2Experts Score= 99Not enough data for value, replies to reviews; its weight is shared by the others.Grade A: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews. | AA––A– | 5.00 | — |
| 3 |  Law Offices of Geoff WiggsSan Mateo, CA | A 92How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 59%91+53.4Reliability 26%94+24.5Value 15%90+13.7Experts Score= 92Not enough data for replies to reviews; its weight is shared by the others.Grade A: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews. | AAAAA– | 4.91 | — |
| 4 |  Freedom Financial NetworkSan Mateo, CA | B 65How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 64%71+45.1Reliability 28%73+20.6Replies to reviews 8%14+1.2Momentum penalty85−1.5Experts Score= 65Not enough data for value; its weight is shared by the others.Grade B: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews. | BB––AF | 4.68 | — |
| 5 |  Block AdvisorsSan Mateo, CA | C 45How the Experts Score is calculatedEach factor is scored 0–100 on absolute terms (standing in the category can only raise it), then weighted; problems flagged in review highlights or a recent slide in ratings are subtracted:Satisfaction 55%47+25.6Reliability 24%21+5.1Value 14%87+12.3Replies to reviews 7%71+5Craft & service penalty99−0.1Momentum penalty72−2.8Experts Score= 45Grade C: A = 80+, B = 60–79, C = 40–59, D = 20–39. Needs 10+ reviews. | CDAABB | 4.56 | — |
What customers paid, from the price Google asks reviewers to report.
| Job | Low25th percentile: 1 in 4 customers paid less than this. | TypicalMedian of the bill customers reported in their Google review (Google asks reviewers for a price range; we use the middle of each range). | High75th percentile: 1 in 4 customers paid more than this. | FairOf customers who rated the price, the share who chose “Great price” or “Reasonable” rather than “Overpriced”. |
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How the 5 retirement planning we rated in San Mateo, CA compare, and what customers praise most.
A = score 80+, F = below 20.
Average stars per company.
Share of Google review highlights.
All price verdicts left with reviews.
Share calling it great / reasonable / overpriced.
Satisfaction (54%) — Recency-weighted star average (2-year half-life), shrunk toward the category mean by review volume; the company’s own lifetime average as the prior; absolute: 4.0★ = 0, 5★ = 100.
Reliability (24%) — How rarely jobs go badly: share of 1–2★ reviews — 60% the last 24 months (or the 20 newest if fewer), 40% all-time; 0% = 100, 15%+ = 0; the category percentile can only raise it.
Craft & service (penalty, up to −10) — Google review highlights: Quality, Professionalism, Responsiveness, Punctuality — how rarely reviewers flag them as a negative, per review since highlights began; 0% = 100, 5%+ = 0. Subtracted from the score (up to −10), never averaged in — clean highlights are the norm, not a bonus.
Value (14%) — Customers’ own price verdicts (Great / Reasonable vs Overpriced) and Value highlights; 65% absolute (all “reasonable” ≈ 80, “great” = 100), the category percentile can only raise it.
Momentum (penalty, up to −10) — Penalises only a real slide: last-12-month average below lifetime (−0.5★ = 0). Still 4.8★+ over the last year, or steady/improving = 100. Subtracted from the score (up to −10), never averaged in.
Replies to reviews (7%) — How often the owner publicly replies to reviews under 5★ (1–4★). Needs 3+ such reviews, otherwise not counted; 65% absolute (80%+ replied = 100), the category percentile can only raise it.
The 5 best-rated retirement planning in San Mateo, CA average 4.8★ on Google across 279 reviews. Team Hewins has the top rating (5.0★), and Block Advisors has the most reviews (80). Updated October 29, 2026.
5 companies that meet our bar: rated 4.5★ or higher on Google, with a meaningful review history (279 reviews combined) and currently operating. Request a call back and the company will phone you directly.
“We have worked with Team Hewins for years now and we are very happy with Patrice and Nicolle. We were using a combination of robo-investors and managed accounts previously and we find the approach used by Team Hewins…” — Google review
“Kalvin Sid is an incredibly knowledgeable and thoughtful financial planner... he is all about serving his client first and foremost. He is able to explain recommendations and the reasoning behind them in…” — Google review
“Nadya is outstanding. Recently the representation I received was not what I envisioned….Great vision coupled with an obviously high experience level made the overall experience informative and comfortable throughout.…” — Google review
“It was an amazingly easy experience. Ryan, my financial advisor helped me through the entire process. It was painless, and easy to understand. Now I have one bill a month instead of several. Kudos to Ryan, and…” — Google review
“Carol is the way to go we started a new biz and this was our first year taxes and to be honest I was lost she too the time to walk me through it all” — Google review
We scan Google Maps for retirement planner listings in and around San Mateo, keep only open businesses whose main category matches the service, and require a Google rating of at least 4.5 from at least 20 reviews. Companies are ordered by a confidence-weighted score that balances rating and review volume. We do not accept payment for placement.
Team Hewins has the highest Google rating on our San Mateo list: 5.0 out of 5 from 42 reviews (as of October 29, 2026).
Block Advisors has the most Google reviews among the companies listed here: 80, with a 4.6★ average.
Only open San Mateo-area businesses whose Google category matches the service, rated at least 4.5★ from at least 20 Google reviews. They are ordered by a confidence-weighted score of rating and review volume. Placement is never paid.
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Analyzing 7,203,8127.2M ReviewsFor 20,40220.4K Experts