Roshani Pandey

MBA, Series 7, Series 65, Series 3

True Root Financial

True Root Financial

Roshani Pandey

MBA, Series 7, Series 65, Series 3

True Root Financial

True Root Financial

I bring 19+ years of investing and wealth planning experience at firms such as Goldman Sachs and BlackRock to bear in helping our clients. As a fee-only fiduciary advisor, my focus is to offer unbiased financial advice to help you achieve your life goals. - Roshani Pandey, MBA, Series 7, Series 65, Series 3

We are a woman-owned & minority-owned business. Fiduciary financial advisor with 19+ years of experience at firms such as Goldman Sachs & BlackRock. We provide investing, tax planning & wealth planning services for business owners, physicians, tech professionals & high-earning individuals.

Roshani Pandey is a San Francisco, CA fee-only financial planner. True Root Financial is a woman-owned and minority-owned business. We provide comprehensive wealth & financial planning and investment management to help business owners, physicians, tech professionals & high-earning individuals organize, grow and protect their assets through life’s transitions.  As a fee-only, fiduciary, and independent financial advisor, Roshani Pandey is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Client Reviews:  View our Google Reviews

Read my latest thoughts on investing and financial planning

Hello! I am Roshani Pandey, the founder of True Root Financial. I started working in Wall Street 19 years ago and have advised ultra-high-net-worth individuals and institutions worth billions of dollars, like university endowments, foundations, and retirement plans. I have worked with global firms like Goldman Sachs and BlackRock and also with niche and boutique players. I hold a Bachelor of Science degree in Information Systems from Brigham Young University and an MBA from McDonough School of Business at Georgetown University.

The breadth and depth of my experience allow me to provide tailored investing and wealth planning for our clients. We do not make commissions on any products and there are no hidden fees.


We help you make smart, life-changing decisions about money so you can live your best life.

  • We are your fiduciary
    Believe it or not, many financial advisors are not legally required to put your interest first. They go by a lesser standard where their recommendation just has to be suitable enough for you. This means that they can sell you a higher-cost product even when there is a comparable lower-cost product available. As a fiduciary, we will always put your best interest first and recommend what’s best for you.
  • No hidden fees
    Many advisors may share a lower upfront fee but will charge you commissions on the back-end, which you may never see. They may also put you in high-fee funds where the fee is taken directly out of the fund. So, you will never see it. Our compensation is only what you pay us directly. We are fully transparent. No commissions and no hidden fees.
  • Modern firm with deep-rooted values
    Although we’re a modern firm catering to the new generation, our work is rooted in evidence-based, time-tested methods and processes.
  • Our comprehensive approach is designed to grow your bottom line
    Unless you have lots of assets, most firms will only provide you investment management services, leaving it up to you to make critical decisions on taxes, benefits, savings, risks, etc. With us, you have a guide to help you on all aspects of your life related to money.
  • No asset minimums to start
    We don’t believe in account minimums. We’re here to help you in your journey to accumulate wealth to live the life you want.
  • Customized for You
    Your financial plan will be one of a kind. Solutions are tailored to your personal values and goals. Environmentally and socially responsible investments are also available.

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


  • Comprehensive Financial Planning
  • Tax Planning
  • Planning for Business owners and Entrepreneurs
  • Investment Management
  • College Education Planning
  • Cashflow and Budget Management
  • Tax-advantaged Savings
  • Stock options, RSUs and Equity compensation
  • Retirement Income Planning
  • Insurance Planning
  • Estate Planning

Ideal Clients

  • Business owners, Entrepreneurs and Executives
  • Physicians
  • Self-employed Professionals
  • Growing Families
  • Tech professionals
  • New and Seasoned Investors
  • Sudden wealth situations

Working Together

  • In-Person Meetings
  • Virtual Meetings
  • Periodic Meetings through the Year
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • XY Planning Network
    Roshani Pandey 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.

Contact Roshani Pandey

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Office Locations:

  • 766 Sutter Street
    San Francisco, CA 94109

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