Live your best life possible with the money you have.

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Your Local Santa Cruz Financial Advisors

As fiduciary financial planners, we always put you first.

We're proud to be an independent, fee-only fiduciary planning firm located in Santa Cruz, CA. No sales pressure, no hidden fees - just honest advice.

Meet our team, let us answer your questions, and find out how we can help you live the best life possible with the money you have.

As comprehensive financial planners, we handle everything in your life with a dollar sign.

Here are some of the services we provide for our retainer clients:

Saving You Money on Taxes

Full tax preparation services
Tax planning
Investment tax loss/gain harvesting
Tax optimization for retirement "bridge years"
Small business and self-employment taxes
Maximizing itemized deductions

Getting Ready for Retirement

Long-term retirement planning and cashflow analysis
Early retirement options and 401(k) rollovers
Social Security analysis
Medicare reviews with a Medicare specialist
Long term care planning with our LTC specialist
RMD (Required Minimum Distribution) planning

Managing Your Investments

Portfolio management for your 401(k), IRA, or taxable accounts
Fee analysis for existing accounts
Asset allocation planning
Stock option and RSU analysis
Roth conversions, including the mega backdoor Roth

Avoiding Big Mistakes

Insurance reviews (Home, Auto, Umbrella, etc) with a high net worth insurance specialist
Estate plan reviews
Real estate buy/sell analysis, including rental real estate
Health insurance and employee benefit reviews
Mortgage and refinancing advice

Looking Ahead to the Future

Cashflow analysis and household budgeting
Education and college planning
Charitable giving optimization and stock donation
Establishing donor advised funds

Outside Referrals

If we don't do it ourselves, we provide commission-free referrals to our own personal network of experts
Estate planning attorneys for trusts and other estate tools
Mortgage brokers, HELOC brokers
CPAs for corporate and trust tax returns

Ready to get started? Let us know what you need help with:

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