Contact Us for Personalized, Fiduciary Financial Planning

Yes. We operate as a fiduciary at all times—legally and ethically obligated to act in your best interest. This means that your needs come first, and conflicts are avoided wherever possible.

We are fee-only, meaning we are paid directly by our clients. We do not earn commissions, referral fees, or product-based compensation. This structure keeps our advice objective and aligned with your goals.

You can review details here.

Yes. We work virtually with clients nationwide. For those in San Ramon or the Bay Area, we’re happy to meet in person as well.

I’ve been advising clients since 2004 and hold the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation as well as an MBA. Having lived in the San Ramon/Bay Area since 1997, I understand both the opportunities and complexities professionals here face.

Your first conversation is relaxed and no-obligation. We’ll discuss your goals, concerns, and priorities, and I’ll outline how comprehensive financial planning could help. You’ll leave with greater clarity—and a sense of whether we’re a good fit.

To protect privacy and confidentiality, we do not share client names or arrange reference calls. Safeguarding personal and financial information is central to our fiduciary responsibility.

Instead, we’re happy to:

• Walk through our planning and investment process in detail
• Share anonymized examples similar to your situation
• Discuss what clients value most about working with us
• Review credentials, disclosures, and fiduciary standards

Many clients choose us specifically because we uphold these privacy standards for everyone.

Client assets are held at independent custodians and are kept separate from the custodian’s corporate assets. They are not subject to creditor claims in the event of insolvency. Custodians also provide protections for cash and securities, in addition to coverage from the Securities Investor Protection Corporation (SIPC).

In the unlikely event of bankruptcy, accounts are typically transferred to another institution in an orderly process.

No formal minimum is required. Our work is designed for individuals and families whose financial lives are becoming more complex.

Many clients:

• Earn substantial income
• Have equity compensation or concentrated positions
• Are navigating tax complexity or retirement decisions
• Have built—or are building—meaningful net worth

Because we charge a flat planning fee, the focus isn’t account size. It’s whether our comprehensive approach will add meaningful, ongoing value to your situation.