Truly Independent

    The ability to say "no" to compromise in the financial services industry is a rare thing. As an independent Registered Investment Adviser (RIA), we say "no," to a number of common financial advisor practices that significantly jeopardize the financial well-being of consumers. "No" — we will not use a conflicted business model like nearly 90% of the financial advisors. "No" — we will not subject our clients to the lower standard of suitability. "No" — we will not forfeit true independence and affiliate with a parent company who influences our objectivity and limits our ability to seek the best possible solutions for our clients. "No" — we will not engage in conflicts of interest and accept commissions or incentives to recommend proprietary products, high cost insurance, or investment products.


    Because we say no to compromise, we say "yes" to the important things. "Yes" — we provide an honest and effective experience driven by your goals and objectives, not product sales or transactions. "Yes" — we work directly for you, not some company that may have a different agenda. "Yes" — our only allegiance to any company, service, or product, is our belief in its ability to help you reach your goals. And "yes" — we promise, in writing, to always put your interests first... the way it should be.

    Experience & Expertise

    For more than 25 years, our founder, Matthew R. Etzler has helped to secure the financial well-being of employers and individuals by providing seasoned guidance and solutions centered on prudent fiduciary practices. Our work isn’t about investment returns or the sale of a product. It’s about quality of life. It’s about making dreams real. It’s about making life more.


    We honor our fiduciary role and responsibilities. To better serve clients, our advisory staff have earned the following certifications: Chartered Retirement Plans Specialist® (CRPS®), Certified Financial Planner™ (CFP®), Certified Retirement Counselor® (CRC®), and Chartered Federal Employee Benefits Consultant (ChFEBC).


    Your financial advisor either works for you, or their employer. The easiest way to determine who your advisor works for is to identify who writes their paycheck. If their paycheck comes from some brokerage, bank or insurance company, they have a conflict of interest. If they’re not working for you – and you only – how do you really know if their advice is in your best interest?

    We are full-time fiduciaries — a legally defined standard of guidance and service that means we are required to always act in your best interest and avoid conflicts of interest. This ensures our focus always stays squarely on your success. We are not affiliated with any broker, bank, accounting firm, law firm, or insurance company. Our firm provides services on a fee-only basis. The key word is “only.” This means our only source of income is from the fees we charge directly to our clients. No commissions. No incentives for promoting specific products. No kickbacks. No conflicts of interest.


    Most financial advisors are "fee-based." Fee-based compensation is a confusing and potentially misleading term. Fee-based is very different from fee-only. Whereas fee-only advisors are paid only by the client, fee-based advisors may receive fees from the client in addition to commissions from the sale of products, as well as other incentives. Fee-based compensation includes commissions, 12b-1 fees, referral fees, and other indirect forms of compensation. Such payments may represent conflicts of interest and are not always disclosed clearly to clients.

    In the end, we believe that the foundation of a better advisory experience is our passionate commitment to make a difference in the lives of our clients. We designed our independent, conflict-free approach to help us serve you better. It’s not just a better way of doing business; we think it’s the only way. By maintaining our independence, full-time fiduciary status, and ability to say no, we can help you build, protect, and carry on what’s important — today, tomorrow, and for years to come. We call it commitment. Our clients call it peace of mind.

All Posts

Terms of Use

Please read these terms and conditions carefully. By accessing this website and any pages hereof, you are indicating that you have read, acknowledge and assent to be bound by these terms and conditions. If you do not agree to these terms and conditions, do not access this website. Etzler Financial Advisors, LLC reserves the right to change these terms and conditions and you are responsible for regularly reviewing these terms and conditions. Your continued use of this website constitutes your agreement to all such terms and conditions. As used herein, EFA means Etzler Financial Advisors, LLC and its affiliates.

General information

This website comprises various websites and pages operated by EFA (collectively, the “website”). Certain sections of our pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern for your use of those sections or pages.

Unauthorized use of EFA’s website and systems, including, but not limited to, unauthorized entry into EFA’s systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this website in any manner that could damage, disable, overburden, or impair any EFA site or service or interfere with any other party’s use and enjoyment of any EFA site or service. You may not attempt to gain unauthorized access to any EFA site or service, computer systems or networks connected to any EFA site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this website that are contrary to applicable laws or regulations.

The information and materials on this website may contain typographical errors or inaccuracies. EFA reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this website and to suspend and/or deny access to this website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. Any dated information is published as of its date only, and EFA does not undertake any obligation or responsibility to update or amend any such information. EFA may discontinue or change any product or service described in or offered on this website at any time.

Disclaimer of warranty and limitation of liability

The information, products and services on this website are provided on an “AS IS,” “WHERE IS” and “WHERE AVAILABLE” basis. EFA does not warrant the information or services provided herein or your use of this website generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. EFA will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this website. Although the information provided to you on this website is obtained or compiled from sources we believe to be reliable, EFA cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither EFA, nor any of its affiliates, directors, officers or employees, nor any third-party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this website, or resulting from the act or omission of any other party involved in making this website, the data contained herein or the products or services offered on this website available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of EFA or of any vendor providing software or services. In no event will EFA or any such parties be liable to you for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if EFA or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your Internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. EFA cannot and does not guarantee continuous, uninterrupted or secure access to the website.

Proprietary rights

All right, title and interest in this website and any content contained herein is the exclusive property of EFA, except as otherwise stated. Unless otherwise specified, this website is for your personal and non-commercial use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in whole or in part any information, software, products or services obtained from this website, except for the purposes expressly provided herein, without EFA’s prior written approval. If you download any information or software from this website, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

EFA, the EFA logo and other EFA services referenced herein are service marks of Etzler Financial Advisors, LLC. The names of actual companies and third-party products mentioned herein may be the trademarks of their respective owners. You are prohibited from using any marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of EFA or such third party which may own the marks.

Pursuant to Section 512(c)(2) of the Copyright Act, EFA designates the following agent to receive notifications of claimed infringement: Matthew R. Etzler, Etzler Financial Advisors, LLC, P.O. Box 100, Red Bluff, California 96080; fax: (530) 527-5237.

Use of links

This website may contain links to and be linked from third-party websites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by EFA of any information contained in any third-party website. In no event shall we be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this website.

No offer

None of the information contained in this website constitutes a solicitation or offer, or recommendation by EFA or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service. EFA does not render or offer to render personalized investment advice or financial planning advice through the EFA website. EFA’s specific advice is given only within the context of our contractual agreements with each client. The EFA website is limited to the dissemination of general information about EFA’s service offerings, and provides an alternative method for prospective clients to learn more about EFA, and contact EFA. Advice may only be rendered after the delivery of Form ADV-Part II, the execution of an investment advisory and/or financial planning agreement by the client and the advisor, and the initial payment of the planning fee or investment advisory fee by the client to the advisor.

The information and services provided on this website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where EFA is not authorized to provide such information or services. Services described in this website may not be available in all jurisdictions or to all clients.

Privacy policy

EFA respects your privacy. Request the EFA Privacy Policy for disclosures relating to the collection and use of your information.

Choice of law

This agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to conflicts of laws provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this agreement shall be in an appropriate state or federal court located in the County of Tehama, State of California and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to your use of this site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of this agreement, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this agreement, and the remainder of this agreement shall continue in full force and effect. This agreement constitutes the entire agreement between EFA and you with respect to this site and it supersedes all prior or contemporaneous communications, agreements and understandings between EFA and you with respect to the subject matter hereof. A printed version of this agreement shall be admissible in judicial or administrative proceedings.