The Best Retirement Planning in San Mateo, CA
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.
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Best retirement planning in San Mateo for retirement savings consulting
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Sid Financial Services, LLCHow Job match is calculatedBuilt only from reviews Google tagged “Retirement savings consulting”:Stars on this job 55%5.00★Number of such jobs 25%10Overall Experts Score 20%99Job match= 97Stars are pulled toward the category average (4.93★) when a company has few tagged jobs, so 3 perfect reviews don’t beat 80 great ones. 4.3★ scores 0, 5.0★ scores full. Volume is compared with the busiest company for this job.97Job match = this company’s ★ on reviews Google tagged “Retirement savings consulting” (shrunk toward the category average when there are few), how many such jobs it has done, and its overall Experts Score.
What customers said about retirement savings consulting
Sid Financial Services, LLCKalvin 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 understandable English... and ... has the patience of a saint for those of us who require a lot of hand holding…
Sid Financial Services, LLCWe’ve been working with Kalvin and his team for over fifteen years. The integrity and professionalism that Kalvin and his team live out daily is remarkable. Kalvin’s work made it possible for us to pay California college expenses for two children, and still responsibly save money for other expenses. I happily tell…
Sid Financial Services, LLCKalvin is a well-informed, highly experienced advisor. He truly is someone who cares about his clients. Honest, candid, and respectful professional!
Sid Financial Services, LLCSid is very engaging and responsive to our needs, as well as flexible to view respond to us from our perspective.
Sid Financial Services, LLCKalvin has been our advisor for at least 10 years. Kalvin is trustwothy and knowledgeable in his field. He is always accessible whenever we need him.
Sid Financial Services, LLCI’ve known Kalvin for at least 7 years. Kalvin is trustworthy, kind, patient, hard-working, and knowledgeable across various financial instruments to protect and grow your financial assets. Kalvin is great to work with and always helpful and very resourceful. You won’t be disappointed.
Overall ratings
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 jobs cost
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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Retirement Planning in San Mateo, CA at a glance
How the 5 retirement planning we rated in San Mateo, CA compare, and what customers praise most.
Experts Score grades
A = score 80+, F = below 20.
- Grade A360%
- Grade B120%
- Grade C120%
- Grade D00%
- Grade F00%
Google ratings
Average stars per company.
- 4.90★ and up360%
- 4.80–4.89★00%
- 4.60–4.79★120%
- Below 4.60★120%
What customers praise
Share of Google review highlights.
- Quality26623%
- Professionalism37632%
- Responsiveness31727%
- Punctuality00%
- Value21819%
Was the price fair?
All price verdicts left with reviews.
- Great price27855%
- Reasonable19439%
- Overpriced61%
- Not sure245%
Price verdicts by year
Share calling it great / reasonable / overpriced.
How we grade
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.