You shouldn't have to
figure this out alone.

Yes, I offer one-time financial planning for clients who want a comprehensive plan without an ongoing commitment. One-time plans are $7,000 and include the same depth of analysis as the initial phase of ongoing planning — cash flow, investments, insurance, taxes, retirement, and estate planning — plus a check-in meeting the 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 together.

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.

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.

For most people navigating financial complexity — a growing family, a career transition, competing goals, or just a lot of moving pieces — financial planning is absolutely worth it. Think of it like therapy or coaching: a thought partner who helps you work through questions that don't have a clear right answer. It's not for everyone, but if your financial life feels complicated or overwhelming, that's usually a sign it's time.

Oftentimes, the cost of not planning can be 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 while freeing up mental energy for everything else in your life.

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.