We may be the right fit if you’re planning for retirement or already retired and value personalized, comprehensive advice. In addition to pre-retirees and retirees, we specialize in helping area first responders and Claremont business owners plan for long-term financial security. Many of our clients are professionals such as Kaiser Permanente physicians, Claremont Colleges faculty and staff, and employees of Netflix, 3M, and Golden State Water Company. As a fiduciary, fee-only financial advisor in Claremont, California, we provide comprehensive retirement planning that includes investment management, tax planning, retirement income strategies, and estate planning—all designed to help you enjoy your ideal retirement.

We provide comprehensive retirement planning and wealth management services for pre-retirees, retirees, local Claremont business owners, and professionals from Kaiser Permanente, Claremont Colleges, Netflix, 3M, and Golden State Water Company. Our services include:

• Retirement planning & income strategies

• Financial planning, including budgeting/cash flow analysis

• Investment management

• Tax planning

• Debt management

• Insurance review & recommendations

• Estate planning

• Social Security maximization

• Charitable giving strategies

As a fiduciary, fee-only advisor in Claremont, California, we create integrated plans to help you invest wisely, minimize taxes, and enjoy a comfortable retirement.

Yes. We offer both—fully integrated into one personalized plan. As a fiduciary, fee-only financial advisor in Claremont, California, we combine:

• Comprehensive financial planning that includes retirement planning, tax strategies, estate coordination, Social Security, debt management, insurance review, and cash flow analysis.

• Investment management that focuses on long-term growth, broad diversification, and cost efficiency.

This unified approach helps pre-retirees, retirees, and local professionals align every part of their finances toward a confident retirement.

As a fiduciary financial advisor, we are legally and ethically required to put your best interests first—always. A fiduciary must give advice that is objective, transparent, and free from conflicts of interest. As a fee-only financial advisor in Claremont, California, we do not earn commissions on the recommendations we provide you. Instead, you receive retirement planning, investment management, tax strategies, and other services solely to help you reach your goals.

We are a fee-only financial advisor, which means you pay a transparent fee for our services. We have no minimum asset size to work with us—our fees are based on the complexity of your financial situation, not how much money you have invested. Our fee-only structure means we do not earn commissions so that our advice is objective and in your best interest. Based in Claremont, California, we provide retirement planning, investment management, tax strategies, and estate coordination for pre-retirees, retirees, and local professionals seeking a trusted fiduciary relationship.

We follow a disciplined, long-term investment strategy—never market timing or stock picking. Our portfolios are low in fees, broadly diversified, and built around your goals, risk tolerance, and time horizon. Our core investing principles are:

• Buy and hold for long-term growth

• Keep costs low to help preserve returns

• Stick to the plan and avoid emotional decisions

• Diversify globally across asset classes

• Maintain a balanced mix of stocks and bonds

• Rebalance as needed to manage risk

We value your money as much as our own, and we help you stay focused on your plan—ignoring hype and short-term noise—so you have the best chance of achieving your vision for life.

No. We have no minimum asset size to become a client. Our fees are based on the complexity of your financial situation, not the size of your portfolio. This means we can help whether you’re building wealth, preparing for retirement, or already retired. As a fiduciary, fee-only advisor in Claremont, California, we provide financial planning, investment management, tax strategies, and estate coordination for clients at every stage of their financial journey.

Yes. We offer financial planning as either a one-time project or hourly engagement. You can work with us for a written financial plan or pay an hourly rate if you just need targeted advice. We also offer ongoing planning services for an annual flat fee based on the complexity of your needs. This flexibility lets you choose the level of support that works best for you while still benefiting from a fiduciary, fee-only advisor in Claremont, California.

Both. We meet with clients in person at our Claremont, California office and remotely by phone or video—whichever works best for your schedule. We understand that our clients, such as Kaiser Permanente physicians, have demanding and unpredictable calendars, so we offer responsive, flexible guidance tailored to your busy life. Our client-first model focuses on flexibility, responsiveness, and delivering outcomes that align with your goals.

Yes. We offer a complimentary initial consultation. This no-obligation meeting lets us learn about your goals, answer your questions, and determine if we’re the right partner for your needs. You can meet in person at our Claremont, California office or remotely by phone or video. The initial consultation is designed to give you clear next steps and ensure our fiduciary, fee-only approach is a good match for your situation. Schedule your consultation here.