About Paul J Saad, CFP®

I'm a CERTIFIED FINANCIAL PLANNER™ and founder of Collabria Capital, Inc.,  a San Ramon-based fee-only fiduciary financial planning firm serving the Bay Area and virtual clients nationwide. I started Collabria Capital because I believe financial planning should be collaborative, transparent, and centered around what truly matters — people’s lives, not just their portfolios. Over the years, I’ve met too many hardworking professionals who’ve done all the “right” things financially but still feel unsure about their future. My goal is to bring clarity and confidence to that picture.

Originally from Montreal, I moved to the Bay Area in 1997 and quickly came to appreciate the unique blend of innovation, opportunity, and complexity that defines life here. Having raised three kids, I understand firsthand how financial priorities evolve — from career growth and family needs to preparing for a more flexible, fulfilling next chapter.

For me, financial planning has always been about more than numbers — it’s about creating the freedom to focus on what truly matters. My approach is simple: listen carefully, bring clarity to complexity, and help clients make decisions that align their finances with their values.

Outside of work, I enjoy playing guitar, exploring new trails, and spending time with those I care about.
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Education

B.A. Economics
McGill University

Masters in Business Administration
University of Western Ontario

Certificate In Financial Planning
University of California - Berkeley