Our Firm Apple and Associates was founded in March of 2000 by Daniel B. Apple CFP®, who has been proudly serving the Northern California area since 1984. We are headquartered in Grass Valley, CA. The Fiduciary Standard In the modern financial services industry, the lines between sound financial advice and commission-based product sales are often blurred. It can be difficult to determine if an advisor is truly operating as a fiduciary or if they are just using the "suitability standard". At Apple & Associates, we strictly adhere to the fiduciary standard.
