Ethan Pepper


Orchard City Wealth Management, LLC


Ethan Pepper


Orchard City Wealth Management, LLC


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

Fee-Only financial planner located in Los Gatos, CA, serving clients locally and across the country

Ethan Pepper is a Los Gatos, CA fee-only financial planner and the founder of Orchard City Wealth Management, LLC. As a fee-only, fiduciary, and independent financial planner, Ethan is never paid a commission of any kind and has a legal obligation to provide unbiased and trustworthy financial advice.  

As a guide for your financial life, Ethan helps you gain confidence in your financial decisions and your ability to build and protect your wealth. With Ethan’s background and experience in tax preparation, he also provides tax strategy and planning services for his clients.

Ethan Pepper is a fee-only CERTIFIED FINANCIAL PLANNER™ professional, an Enrolled Agent, and a Registered Life Planner™. He guides his clients through significant financial decisions and opportunities with a life planning approach that aligns their money with their vision, values, and goals.

Ethan started Orchard City Wealth Management, LLC after years of working for investment advisory firms that focused on helping older generations achieve their financial goals. He grew weary of financial service models that turned away individuals still establishing their wealth because they didn’t meet the minimum assets requirements to become a client. The notion that financial advisors are only necessary for established wealthy people didn’t sit well with Ethan. He wanted to help mid-career professionals thrive in their financial lives, too.

Ethan services individuals and families who are establishing wealth and want a guide for their financial decisions to help them build and protect their money. He also continues to work with ultra-high-net-worth and high-net-worth clients.

With over a decade of tax preparation experience, he completes his clients’ wealth management with the necessary tax strategy and planning services for real-time savings and future income generation.

Ethan Pepper 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.

We are a privately owned, independent, fee-only registered investment advisory firm serving as a fiduciary for you. We have helped many families gain a sense of control over complex issues like equity compensation packages and tax planning. Our clients work for some of the biggest tech, biotech, and start-up companies in Silicon Valley and across the country. They face major transitions like job changes and promotions, IPO of their company, buying a house, having children, and supporting parents. We understand the dilemmas people face managing their overall finances; that’s why we connect every aspect of their financial life so that nothing is missed. 

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
  • Equity compensation

Ideal Clients

  • Growing Families
  • Sudden Money Situations
  • Technology Employees

Working Together

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

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Ethan Pepper is a NAPFA-Registered Financial Advisor

    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.

  • XY Planning Network
    Ethan Pepper is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Certified Financial Planner (CFP)
    Ethan Pepper is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Enrolled Agent with the IRS (EA)
    Ethan Pepper is an Enrolled Agent (EA) with the IRS

    An enrolled agent is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury to represent taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential awarded by the IRS.

  • Registered Life Planner® (RLP®)
    Ethan Pepper is a Registered Life Planner® (RLP®)

    A Registered Life Planner® (RLP®) is a Financial Planner who has been fully trained in Life Planning by completing the three step process of becoming an RLP®: Seven Stages of Money Maturity® workshop, 5-Day Life Planning training and the 6 Month Mentorship Program. This method of training is based on the premise that advisors should first discover a client’s most essential goals in life before formulating a financial plan, so a client’s finances fully support those goals. They therefore become your partner in clarifying and achieving your most meaningful and deeply felt aspirations.

Contact Ethan Pepper

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Office Locations:

  • 987 University Avenue
    Suite 8
    Los Gatos, CA 95032

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