David Fernandez


Wealth Engineering, LLC

Financial Advisor

David Fernandez


Wealth Engineering, LLC

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - David Fernandez, CFP®

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

David Fernandez is a fee-only financial planner with offices in Scottsdale and Glendale, Arizona. Wealth Engineering, LLC provides comprehensive wealth management, retirement planning, investment mangement and financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, David Fernandez is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

David J. Fernandez, CFP® A Financial Advisor with over twenty years of 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 Bachelor’s 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 in 2003, David was an Investment Manager and Financial Planner with The Vanguard Group, where he managed investment portfolios and provided financial planning to a significant number 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. 

David has participated in numerous public outreach opportunities to provide financial education to consumers such as Kiplinger Magazine’s Hotline assisting their readership with financial concerns, providing financial articles of interest to the readership of Investopedia.com, providing financial guidance to the readership of The Arizona Republic’s Money Line, and organizing and directing the Phoenix Chapter of the Financial Planning Association’s Financial Planning Week.

David is a member of the National Association of Personal Financial Advisors, a former director and current member of the Phoenix Chapter of the Financial Planning Association, a member of the Central Arizona Estate Planning Council and a participant in the Fee-Only Network.

Most of his time outside of work is spent with his wife, daughter and son. He also enjoys mountain biking, hiking and reading. In addition, he is also is a big supporter of all sports related to his ASU Sun Devils.

David Fernandez is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

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.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Sudden Money Situations

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact David Fernandez

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Office Locations:

  • 7373 E. Doubletree Ranch Rd.
    Suite 200
    Scottsdale, AZ 85258
  • 20325 N. 51st Avenue
    Suite 134 (Bldg 5)
    Glendale, AZ 85308

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