Are you a fiduciary?

Yes, we are a Registered Investment Advisor (RIA) with the State of California, bound by law to act in our client's best interests. This commitment is at the core of our practice, and we invite you to refer to the information provided by the Department of Financial Protection and Innovation for more details.

What are your qualifications?

My qualifications include the General Securities Representative registration (Series 7), which I plan to let lapse as I don't intend to sell securities. I've also completed the Securities Industry Essentials and Uniform Combined State Law Exam (Series 66), allowing me to register as an agent for my RIA. I hold a Bachelor of Science in Leadership from the University of Alaska Anchorage and am pursuing a Master's Degree in Financial Planning and Chartered Financial Consultant with The American College of Financial Services. My commitment to continuous education and certifications that add value to my clients' lives is unwavering.

What is your investment philosophy?

I adhere to the following philosophies, but are not limited to, about investment:

1.) Impact Investing - God owns it all. He has given us resources to steward. To do that well, we must know the impact of our investments. All investing is impact investing.

2.) Behavioral Finance - Second-generation behavioral finance explores how people's desires, thinking biases and emotional responses influence financial decision-making, including investment portfolio creation and the impact of psychological factors on saving spending, and investment returns.

3.) Cost-Effective—Understanding various cost types, selecting cost-efficient investment options, optimizing tax strategies, and making informed investment decisions can greatly improve investors' long-term financial results. Fees that clients pay are a drag on the overall portfolio return.

What services do you offer?

We offer three services. First is our comprehensive financial planning service, which we call 'Holistic Planning.' This service provides a complete overview of your financial situation, including budgeting, retirement planning, and investment management, and a personalized plan to achieve your goals. Second is our project-based planning. Lastly, we offer investment management. Follow this link for a more in-depth overview of our services.

How are you paid?

Our compensationn is determined by how we work with our clients. We work with our clients in three different ways, "Holistic Planning" (ongoing), Project-Based (hourly), and Investment Management. Follow this link for our cost structure.