How We'll Work Together

A complete financial analysis covering your: cash flow, debt, investments, insurance, taxes, employer benefits, if you’re on track for retirement, and estate planning. You'll get an interactive dashboard where you’ll be able to see your financial life all in one place, plus a one-page action plan outlining your next steps.

If you have CalPERS or CalSTRS benefits, I'll help you understand how they fit into your bigger picture. If you're navigating financial decisions that don't fit traditional molds, you'll work with someone who treats that as normal.

$500/month gets you unlimited access between our regular check-ins, annual in-depth reviews, implementation support (connecting you to attorneys, tax preparers, 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.

Portfolio guidance and investment management are included for portfolios up to $600,000.

The spot consultation is best for specific decisions or questions—you come prepared with your data and top 3 questions, and we work through it together in 90 minutes. You get my analysis and a follow-up summary email, but no comprehensive financial plan deliverable.

Comprehensive planning is a 3-month process that covers your entire financial picture with an interactive dashboard, action roadmap, and detailed recommendations across all areas of your finances.

That's exactly how it's designed. After completing your comprehensive plan, you can add ongoing planning anytime you want a thought partner for life's financial decisions.

If it's been a while, we may need to catch up on what's changed in your life first. Just reach out when you're ready.

Yes, and investment management is optional. I focus on what we can control: costs, diversification, risk, and behavior. I don't try to beat the market through stock picking; instead, I help you build a low-cost, tax-efficient portfolio that fits your life.

For ongoing planning clients, investment management is included in your $500/month fee for portfolios up to $600,000.

For portfolios above $600,000: 1.00% annually on assets above that threshold, with fee reductions at higher levels (0.75% over $1M, 0.50% over $3M, 0.35% over $5M).

Some clients prefer to implement investment strategies themselves, and that's completely fine! You'll still get all the guidance and recommendations you need.

Absolutely not. I work with people at all stages of their financial journey. Whether you're starting with debt, saving for your first home, or planning for retirement (yes, even an early one), what matters most is your desire to align your money with your values.

Most people don’t hire a financial planner unless they feel stressed about money, which tends to be most common when they’re facing a major life decision like a big move, career change, or divorce.

With that said, I think preventative financial health matters too, and it’s worth talking to someone when there’s a question keeping you up at night that you can’t answer by yourself anymore.

FYI: You don't need to wait until you're a millionaire (which is the minimum requirement for most wealth management firms); in fact, planning early often has the biggest impact.

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.