Financial

We are a Sacramento wealth management firm that believes financial planner services must include strategic partnerships with real estate, tax, bookkeeping, estate attorneys, and other professionals in the lives of our clients.

Our clients leverage our full suite of wealth management and financial services, implemented with the singular focus of achieving, and then maintaining, their financial independence. More than just a certified financial planner, we offer strategic partnerships to optimize our clients’ peace of mind, including financial services that go beyond the basics, including:

  • Budgeting and personal monthly spending and cash flow analysis
  • Tax planning and minimization
    → Tax reduction strategies and modeling
    → Tax-efficient investment and portfolio management
    → Intra and end-of-year tax loss harvesting
    → Regular utilization of Bloomberg’s BNA Income Tax Planner software
    → New tax legislation monitoring and optimization
    → Tax-optimized investment account liquidation, drawdown, and withdrawal analysis
    → Tax return and deduction opportunity analysis
    → Direct and regular coordination and interfacing with your CPA/tax advisor
  • Debt and liability management strategies and analysis
    → Home mortgage, payment, and mortgage refinance modeling
    → Home equity lines of credit (HELOCs)
    → Asset-backed lines of credit
    → Special purpose loans
    → Custom lending
  • Insurance planning and risk management
    → Life, health, long term care, disability, personal umbrella liability analysis and counsel
    → Fixed, variable, immediate, and equity-indexed annuities
    → Customized asset protection planning
    → Structured notes, CDs, and other products
  • Personal savings and wealth-building strategies
  • Cash management and optimization
    → Banking, high yield checking/savings/money market accounts
    → Debit and credit cards from Charles Schwab
    → BillPay, MoneyLink® EFT, and direct deposit
    → Credit card loyalty and rewards points analysis
  • Cash alternatives and equivalents
    → MINTFTSM, CDs, commercial paper, and Treasury notes
  • Real estate
    → Real estate transaction financial modeling and counsel
    → 1.) Single family and 2.) commercial investment property consulting
    → Rental property cap rate and return on investment (ROI) modeling
    → Section 1031 exchanges
    → Delaware Statutory Trusts (DSTs)
    → Forbes article: Why combining real estate expertise with financial planning expertise is a winning combination