Sacramento Financial Planners

Not all advice is good advice. We help amazing humans turn their financial goals into reality without the stress and costly mistakes.

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Sacramento Financial Planners Proudly Featured In

Sacramento Financial Planners Fee-Only Certified Financial Planner®

Acts as fiduciary, always putting your interests first. Provides you with comprehensive planning, whether it be retirement, insurance, cash flow management, education, estate or tax. Generally works for a flat fee, percentage of assets managed, or insurance commissions.

Refers you to professionals with more knowledge in financial areas in which he does not specialize. Does not pick stocks, actively trade, push you into high fee funds, or sell you unnecessary life insurance products for high commissions.

Fee-only Passive Investment Management

Commission Based Active Management

May or may not be a fiduciary. Provides you with investment advice for a flat fee or percentage of assets managed. Sticks to the strategic asset allocation that best suits your needs and risk tolerance until something in your life changes, not the markets. Uses higher cost mutual fund managers as investments. Provides limited or no planning.

Financial Advisor

May or may not be a fiduciary. Claims to be able to time markets or pick great stocks. May beat the market some years and lag others. Should probably call himself an investment manager rather than an advisor, because this person provides no financial advice.

Commission Mutual Fund Sales Person

Is not a fiduciary and works only on commission or mutual fund transaction fees and trails. May also sell life insurance or annuities. Inherently has conflicts of interest because more transactions or higher fee products equal higher pay. Provides limited or no planning.

“Hedge Fund Manager”

Is not a fiduciary and works only on commission. Has an extremely high incentive to trade your account excessively, since that is the only way this advisor makes money. Does not provide any planning or financial advice.

Commission based Whole Life Insurance and Annuities

Is not a fiduciary and works only on commissions. Generally sells high fee products that you don’t need, since you can get a similar return elsewhere in the market. Does not provide any planning or financial advice.

Ponzi schemes, charity scams, investment fraud

If it sounds too good to be true, it’s likely one of these.

Looking at the Big Picture

We work together in determining whether you are on track to meet your goals and then outline your path to overall financial success.

We eagerly face the challenge of providing services to address your complicated, ever-evolving financial life.

Sacramento Fee-Only Financial Planner

We are proud to be fee-only financial advisors. Fee-only means that we are only compensated by the fees clients pay for services and not by commissions, kickbacks, or affiliates for recommending certain products.

We always place our client’s best interests first.

Sarcramento Cash Management

Cash management is the process of collecting and managing cash flows. Cash is essential for day-to-day financial stability.

Income
Consumer Debt
Student Loan Debt

Sacramento Investment Management

At your current age, how much money should you have saved for retirement? How can you make up for lost time if you started investing late? Should you change your investing portfolio as you get older? While answering these questions may feel overwhelming, they are what we have experience evaluating.

Long-Term Strategies
Retirement Planning
Social Security Strategies

Sacramento Family Funds

If you’re like most parents, you want your child to go to college. At the same time, paying for college is probably one of your biggest financial concerns. By starting a savings plan early, even before your child begins elementary school, you can reduce the burden of taking on high debt to pay for their higher education.

Future Education
Living Expenses
Elder Long-Term Care

Sacramento Tax Planning

Tax planning is a way to find out how much money you are paying on tax and also a way to help minimize the tax liability (the amount owed) through the use of allowances, deductions, exclusions and exemptions.

Taxes Up-to-Date
Tax Credit Strategy
Tax Minimization

Sacramento Asset Protection

Accidents and disasters can – and do happen, and if you aren’t adequately insured, it could leave you in financial ruin. You have to know how much insurance you need to protect your life, your ability to earn income, and to keep a roof over your head.

Life Insurance
Disability Insurance
Long-Term Care Insurance

Sacramento Estate Planning

We refer you to our network of Estate Attorneys to maximize what you leave behind. It’s important to know legal and/or tax advice and think through how each asset , as well as your estate, will pass to your beneficiaries.

Wills & Trusts
Power Of Attorney
Health Care Directives

Learn About Our Process

Who We Help

Focus on Your Family

I help families where both parents are working to prioritize their goals: paying off debt, saving for a college fund, budgeting, travel vacations, etc. Life is busy for our clients but with our guidance they know they can accomplish anything through a solid plan of action. Ensure your family’s future by starting today.

Maximize Your Benefits

Healthcare employees have unique challenges. Being a high income earner and thinking about the future when you have such a demanding career is not easy. I help clients navigate their financial lives without having to spend their limited time doing so. I review your pension benefits, your employee perks, and help you have a strategy that works.

Understand Your Perks

The State of California is the largest employer in town. Many of our clients are state employees with complex employee benefit plans. I work with clients to make sure they are maximizing these benefits. Some clients are not aware that their bargaining unit is not contracted to pay into Social Security. I help them plan accordingly so they are aware to their options.

Conquer Your Debt

Paying off your student loans as fast as possible, when you have other financial goals, might not be the best plan for you. I utilize several programs and strategies available to optimize your payment plan. I specialize in assisting you understand your student loan debt, contact their lenders, and choose the best repayment plan for their current situation.

Our Clients

We work with clients with complex compensation arrangements and employee benefit packages.

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