Clarity for Your Financial Future

Safety, Comfort, and Security

Fonte Financial Advisors is a private wealth management firm specializing in comprehensive wealth management with strategic thinking at the core of our discipline and philosophy.

We specialize in helping people navigate transition—a time of beginnings, ripe with opportunity to take financial control of their life.

Fonte develops options and strategies for complex financial decision-making and lifestyle changes then guides clients through a fully informed decision-making process toward financial independence.

We are the source where financial literacy and empowerment begins for our clients.

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Our Firm

Founded in 2015 by Justin Reckers, Fonte Financial Advisors was created to serve individuals and couples navigating financial transitions, supporting them to overcome challenges and obtain financial independence.

“Fonte” is an Italian word meaning “the source from which anything begins.” We embrace this concept in everything we do at Fonte Financial Advisors because all great achievements have a beginning, and we especially thrive on joining our clients in the beginning phases of their next great success.

Our sister company, Wellspring Divorce Advisors, has helped hundreds of men and women start the divorce journey and come out successful. Now, we have dedicated Fonte Financial to supporting those who have completed the separation process and are stepping into a new light.

In a new chapter of your life, you are presented with opportunities, and we want you to know that you have the power to take control of your future.

Our Team

JUSTIN RECKERS, CFP®, CDFA®

Financial Advisor & CEO

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JUSTIN A. RECKERS, CFP®, CDFA®

Lead Financial Advisor, CEO

I live in Southern California with my wonderful family and where I co-founded Fonte Financial Advisors and Wellspring Divorce Advisors. My two children are Ashton and Emmy and watching them grow up has been the joy of my life. When I am not working with clients or with my family, I enjoy playing competitive soccer, not-so-competitive golf, and gardening.

Education is very important to me and throughout my life, I’ve taken many different avenues to enrich myself. I am a proud graduate of The Ohio State University, a CERTIFIED FINANCIAL PLANNER®, and a Certified Divorce Financial Analyst®.

Helping people is what I feel I was born to do. It is all the more fulfilling to play a role in someone overcoming their challenges and prospering. I am very fortunate to have the ability to help real people make tangible positive changes in their lives.

I also enjoy giving back and being part of a community. I am a former Chairman of the Board of Trustees for the Pacific South Coast Chapter of the National Multiple Sclerosis Society, and I served as a board member of the Institute for Divorce Financial Analysts, Collaborative Practice California, and the Collaborative Family Law Group of San Diego.

I've been featured in the Wall Street Journal, CNBC, Investment News Magazine, Financial Planning Magazine, CNN Money, Bankrate.com, Kiplinger’s Personal Finance, the Matrimonial Strategist, Family Lawyer Magazine, and many other media outlets.

I have also served as a speaker and resource for journalists on the topic of Divorce Financial Planning, Strategic Financial Planning, and Behavioral Finance. I have spoken to groups such as the Institute for Divorce Financial Analysts, the International Academy of Collaborative Professionals, the California Society of Certified Public Accountants, and the Association of Family and Conciliation Courts, and have taught a special topics course on Divorce Financial Planning at Texas Tech University.

Education and Certifications

Graduate of The Ohio State University
CERTIFIED FINANCIAL PLANNER®
Certified Divorce Financial Analyst®

Brianna Heinricher

Planning Associate and Operations Lead

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Bri Heinricher is the Planning Associate and Operations Lead at Fonte Financial, where she plays a key role in supporting both client experience and firm operations. In her position, Bri helps coordinate financial planning initiatives, oversee operational workflows, and works closely with clients to ensure a seamless and organized experience.

Originally from Massachusetts, Bri has called California home for almost a decade and is based in San Diego. Outside of the office, she enjoys beach volleyball, spending time with her dog, and staying active in the local community.

Before transitioning into financial services, Bri spent several years supporting families as a birth and postpartum doula and nanny. Her passion for helping others, combined with a long-term interest in personal finance, inspired her career shift into the financial planning profession.

Since joining Fonte in 2024, Bri has continued to expand her role within the firm and is currently pursuing her CFP® certification with guidance from the Fonte team. She is passionate about building strong client relationships, creating efficient systems, and helping clients feel supported throughout every stage of the financial planning process.

We Have The Experience You Require

We are nationally known experts in the financial intricacies of Divorce, Divorce Financial Planning, and Post-Divorce Wealth Management. Divorce is the largest financial transaction of your life amid the most emotionally chaotic time. The financial decisions made during and after your divorce will very likely be the most difficult you will ever make. The decisions you make today will affect your financial safety and security for years to come.

Divorce is a special circumstance that your current advisors are likely not fully equipped to help you with. For instance, attorneys think in terms of laws, they don’t think of long-term financial security or how to manage your money. So when you have a complex financial picture, you’ll need more help than your lawyer can give you. CPAs, Accountants, and Tax professionals are trained to look at your financial picture from a backward looking perspective at what’s happened in the past. We look toward the future with you, to help you plan for your safety and security.

Financial Planners have a deep knowledge of financial products, but they’re often overwhelmed by situations involving conflict and unfamiliar with financial intricacies of divorce. We can help diffuse interpersonal conflicts to help you work towards a satisfying solution. We understand the intricacies of how the law intersects with your money, and we help ensure your long-term financial well-being in an understanding way.

We Are Independent From Corporate Interests

We do not have shareholders or corporate executives setting limitations, guidelines and rules for what products or strategies we can employ. We choose to be independent because we believe it is the best model for putting our clients’ interests at the forefront of our business practices and maintaining a fiduciary standard of care.

We Are Held To A Fiduciary Standard

A fiduciary’s responsibilities are both ethical and legal. We assist each individual in their efforts to become a well-educated, highly motivated, diligent and disciplined financial decision maker capable of building and maintaining a safe and secure financial future for their family. We choose to maintain this standard of care and take a great deal of pride in knowing that we are working solely in the best interest of the individuals and families we work with.

Now that you know who we are, let’s talk about what we do and how we can help you!

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Post-Divorce

Have you recently finished the financial negotiations of a divorce? Your money is now about you. Your family. Your dreams. Fonte Financial Advisors is proud to be your partner in helping you achieve Financial Independence. We specialize in working with clients after divorce, empowering you to take control of your financial future.

Retirement Preparation

Are you wondering whether you can afford to retire? Are you struggling to find the confidence to pull the trigger?

Retirement is a major life transition including your financial picture, social interactions and family life. Retirement planning is about the strategic conversion of your career assets into financial ones. Pulling the trigger on retirement prior to investigating the likelihood of meeting your financial goals is guaranteed to result in disappointment. Our retirement preparation services are designed to work strategically with clients to uncover all potential risks and costs in attaining your retirement goals. We use statistical analysis to uncover the likelihood your assets and incomes can support your retirement life and suggest strategic initiatives for change where weakness is uncovered.

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Services & Fees

Services

Our comprehensive private wealth management services combine Investment Management and Financial Planning Services to ensure no stone is left unturned in your financial life. We bring together Comprehensive Wealth Management, Lifestyle Management, Investment Management, Post-Divorce Transition Management, and Strategic Financial Planning so that you have all the tools you'll need to successfully and confidently grow into the next stages of your life.

How We Work

We believe that transparency is essential to creating the foundation of a long-lasting relationship. We are the "architects" of financial decision-making for our clients. Our team will work with you to develop options and strategies for complex financial decision-making, then guide you through a fully informed decision-making process. Our mission is to provide Clarity for Your Financial Future. When you work with us, here is what you should expect during the initial onboarding process and beyond.

INITIAL DISCOVERY

When we have our first meeting, we will walk through your divorce agreement with you. This is a no-judgment and no-pressure process where our goal is to gather data so we can best prepare to assist you. We simply want to learn about you and your situation.

ENGAGEMENT

When we meet next, we prepare a version of a proposal. This will include a discussion of fees and our client agreement contract. This is the time when we hope to set expectations for the future of our relationship and to make sure everyone is on the same page before we proceed.

IMPLEMENTATION

We will meet again after the accounts are open and the documents are signed. We will continue to have discussions about you and your plans in life. We want to continue to get your buy-in to the strategies we create. Before any investments are made, we will confirm our strategy, once again, with you. And with that element in motion, we can discuss budgeting and lifestyle planning with you.

ONGOING

Our relationship from there will continue. We will meet regularly to follow up to adjust plans where needed, review the financial action plan, and talk about to-do items if your outlook changes, such as if you were to be getting remarried, change jobs, nearing retirement, etc.

Fonte System Map

We encourage you to explore our system map of comprehensive services. You’ll see there is more to the plan than the money in your account -- our goal is to establish a long-lasting relationship with our clients through transparency and by providing expert advice as a part of our all-inclusive services. When you work with us, you can rest assured knowing that we'll help you through all aspects of the following areas:

Lifestyle Management

We work with you to review goals, spending, and accountability - but only at the level you wish to. Our client portal allows you to aggregate all incomes and expenses from checking, savings, and credit card accounts in one place.

Tax Planning

Making the most out of your money starts with recognizing all the ways taxes can impact your financial future. We help you with crafting tax management strategies that keep you on course with your overall goals.

Investment Management

Having a carefully-crafted investment plan will provide you with a sound strategy to follow and stick to, even when your investments fluctuate during a time of market volatility. We'll assess your risk tolerance and craft a well-diversified, cost and tax-efficient investment solution personalized for you.

Retirement Planning

Our retirement planning services include long-term projection and Monte Carlo analysis, Social Security Planning, Employer and Self-Employed Plan Maximization planning, as well as Accumulation and Distribution Planning.

Insurance Planning/Risk Management

One of our core principles is that you cannot manage wealth without also managing risk. We will do a thorough review for any needs related to life insurance, long-term care insurance, and disability income insurance.

Dependent Care/College Planning

We recognize that dependent care planning (such as college, special needs, or long-term care) can be overwhelming. Fonte will help you plan a course of action to best prepare you. It's important to evaluate how dependent care and/or college savings and your financial plan will work together.

Estate and Legacy Planning

A thoughtful estate plan allows you to pass on assets the way you want, maximizing the financial benefit to your heirs. Fonte is happy to help with your Trust and Estate strategies to maximize gifting and tax efficiencies, as well as charitable giving and philanthropic counseling.

Concentrated Stock Planning

We carefully execute solutions for strategic diversification, hedging, income generation, and tax minimization.

Real Property Planning

When looking to buy and sell real estate, working with a financial advisor will help you understand what you can afford and when the right time to execute buy/sell transactions are. We partner with Charles Schwab, which offers Private Lending Solutions for qualified clients.

Small Business Planning

We help you with a forward-looking focus to allow you to better understand what expenditures are necessary to build and grow your business, as well as business succession planning.

Download The Full System Map

Fees

As fiduciaries, we offer our services as fee-based. Our clients are the only ones who pay us. We do not accept commissions or other compensation from brokerage firms, banks, investment managers or mutual fund companies. We do not accept gifts or prizes for doing business with a brokerage firm, bank, investment manager or mutual fund company.

This is to ensure that we are only operating in your best interests and not looking to sell you something that we make commissions on. This way you know what you are getting and you can rest assured that we have no conflicts of interest.

Another benefit of using fee-based financial advisors is the opportunity for them to offer an objective second opinion of your situation. The second opinion can range from addressing a specific financial question to a review of your investment portfolio to a full-blown financial plan.

Our Fee Schedule

Our fee schedule is designed as a percentage of the account balance we manage and covers all aspects of our comprehensive private wealth management service.

Post-Divorce Transition Management

Your financial settlement is complete and now you must take control of your new financial reality.

Investment Management, Life Insurance, Taxes, Cash Flow Management and Estate Planning can be overwhelming when you take them on alone. Fonte takes the questions out of your post-divorce finances and provides Clarity for Your Financial Future.

We have seen the negative effects of lack of follow through on enforcing financial agreements reached in divorce proceedings and seek to facilitate a safe and secure transition into your new financial reality. The longer we wait to acquire your assets the more likely it is to run into problems. We help you manage this process.

We have created a comprehensive Post-Divorce Financial Checklist and protocol for ensuring the settlement you worked so hard to negotiate will not be ruined by lack of follow through.

You may not have been responsible for managing the family finances while married. This does not mean you are incapable. It just means we will need to bring you up to speed through education.

Client Center

24/7 Client Access

For our existing clients, use the links below to access your personal financial portals, online meeting scheduler, and our secure file upload tool to safely transmit important documents directly to us.

Contact Us

We Look Forward to Meeting You

If you're a prospective client looking for more information, let’s schedule a time to get to know each other. Click the following button to book a free 30-minute consultation with our lead advisor or use the form below if you have any specific questions prior to scheduling a call.

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