You shouldn't have to
figure this out alone.

Yes, for clients who want a comprehensive plan without an ongoing commitment. One-time plans start at $6,500 and include the same depth of analysis as the initial phase of ongoing planning — cash flow, investments, insurance, taxes, retirement, and estate planning — plus an action-oriented one-page plan and a check-in meeting a month after we complete your plan.

If you're not sure whether ongoing or one-time is right for you, the free intro call is the best place to figure that out together.

When you have a question you can't Google your way out of.

Maybe you're facing a major decision and want to see the actual numbers before you commit — can I afford to downshift? Should I leave my CalPERS job? Maybe you've been saving responsibly but have no real strategy, and you want confirmation you're on track, not just hoping you are. Or maybe your financial life has gotten complex enough — rental property, side income, pension decisions — that you want expert guidance.

You don't need to wait until you're stressed. And you definitely don't need to be a millionaire. But you should be ready to invest in planning — both financially and in terms of implementing recommendations.

Not sure if you're ready? I wrote about this. →

No specific net worth required. My clients range from educators navigating student loans to folks with seven-figure portfolios. What they have in common isn't their account balance — it's complexity. Multiple income streams, CalPERS or CalSTRS benefits, major life transitions, or unconventional life structures that don't fit traditional advice.

If you're just getting started with basic budgeting or opening your first investment account, the 90-minute spot consultation is probably the better fit. We can always expand from there.

We start with the initial planning phase ($2,250), where we build your complete financial picture — cash flow, debt, investments, insurance, taxes, retirement, and estate planning. From there, ongoing planning is $450/month, which includes two structured annual check-ins, implementation support (connecting you to attorneys, tax preparers, and insurance professionals), and proactive planning as your life changes.

This is for people who want answers to questions like: "Should I take this job?" "Can I afford a sabbatical?" "When should I refinance?" "I just got a bonus, what should I do with it?" — without having to figure it out alone. Investment management is included for portfolios up to $540,000.

The exact breakdown for investment management:

Up to $540k: included in your financial planning fee

$540k–$1M: 1.00%

Over $1M: 0.75%

Over $3M: 0.50%

Over $5M: 0.35%

Yes. For ongoing planning clients, investment management is included in your financial planning fee for portfolios up to $540k. For portfolios above $540k: 1.00% annually on assets above that threshold, with fee reductions at higher levels — 0.75% for portfolios over $1M, 0.50% over $3M, and 0.35% over $5M.

I focus on what we can control: costs, diversification, risk, and behavior — not beating the market through stock picking.

Think of financial planning like therapy, coaching, or healthcare — it's an investment in your quality of life.

The cost of not planning is often much higher: missed opportunities (like delaying retirement contributions while markets grow), analysis paralysis that keeps you stuck researching instead of acting, costly financial mistakes, and the ongoing stress of uncertainty. A financial planner helps you avoid these hidden costs while building a clearer path toward your goals.

Yes. All my meetings are virtual, so I can work with clients anywhere in the US. I'm based in San Jose, California and licensed to provide investment advice nationwide.