David J. Fernandez

David J. Fernandez

| CFP®

Wealth Engineering, LLC


Contact Me

Fee-Only Financial Advisor serving Scottsdale, Phoenix and Glendale, AZ areas.


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


Visit Us

20325 N. 51st Avenue
Suite 134 (bldg 5)
Glendale, AZ 85308

7337 E. Doubletree Ranch Rd.
Suite 282
Scottsdale, AZ 85258

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

David Fernandez is a Scottsdale, AZ Fee-Only Financial Planner serving the entire Scottsdale, Phoenix and Glendale, AZ area.  Wealth Engineering, LLC specializes in comprehensive financial planning and investment management.  David Fernandez is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.
A Financial Advisor with over sixteen years experience in the financial planning and investment advisory industry. He is the founder of Wealth Engineering, LLC, a Fee-Only Registered Investment Advisor Firm in Scottsdale, Arizona.

David graduated from Arizona State University with a Bachelors degree in Finance. He completed his Financial Planning Certificate from the College of Financial Planning in Denver, Colorado and has passed the board examination earning the Certified Financial Planner (CFP®) designation. David has also completed numerous NASD and regulatory licenses.

Prior to founding Wealth Engineering, LLC, David was an Investment Manager and Financial Planner with The Vanguard Group, where he managed over $80 million in total assets for a wide range of high net worth individuals and families.

David is considered an expert in his field and has been widely quoted in various national and local media such as: The Wall Street Journal, Money Magazine, MSN Money, Business Week, Dow Jones Market Watch, The Arizona Republic, Index Universe, Research Magazine, Financial Advisor Magazine and Investment News.

As part of his dedication to assisting and teaching the general public with regard to financial planning issues, he participates bi-annually in Kiplinger Magazine’s Hotline assisting their readership with financial concerns.  He has also participated in The Arizona Republic’s Money Line, and the Financial Planning Association’s Financial Planning Week, which are similar public outreach services.

David is a member of the National Association of Personal Financial Advisors, a former director and current member of the Financial Planning Association, and a member of the Central Arizona Estate Planning Council.


Welcome to Wealth Engineering.

You are one step closer to experiencing financial peace of mind.

We all have retirement dreams.  You may feel that planning for your dream has become increasingly challenging in our complex financial world.  Markets have become incredibly volatile and economic uncertainties have increased.  The media continuously sends mixed messages touting expert after expert with wildly different forecasts and recommendations.  Your current “financial advisor” may be more focused on financial product sales and his/her commissions rather than providing independent, conflict-free, sound advice as a fiduciary. How is one to plan for their dreams when they are constantly being bombarded with all of these mixed messages and misguided strategies?

We can help.

Wealth Engineering, is a Registered Investment Advisor under the Securities and Exchange Commission (SEC).  The firm is located in Scottsdale, Arizona with a satellite office in Glendale, Arizona.   Wealth Engineering, was founded by Dave Fernandez, CFP®, a Phoenix native.  We provide fee-only financial planning and investment management services. We utilize a global investment strategy to create diversified portfolios with the intent to provide less volatile, risk-adjusted returns in a long-term, tax-efficient manner. The core of our asset allocation approach is structured with low-cost index and active managed mutual funds and ETFs (Exchange Traded Funds).

Financial planning services are available for those in need of more than portfolio management. You may have concerns about retirement planning, estate planning, college funding, retirement distribution options, saving strategies, wealth preservation and risk management. We have engineered a detailed and disciplined financial building block process to bring all areas of your financial life together into an actionable plan to help you obtain long-term financial success.