Like most people, you worry that your finances are not in harmony with your life goals. You are looking for objective advice but find yourself overwhelmed with information and frustrated by conflicting advice. You are unhappy with the way the Financial Services Industry see you: as an opportunity to sell investments, manage your money and increase their own "book of business".
While managing investments is an important and integral part of the Financial Planning process, it is more important to understand your concerns, goals, and aspirations so that your investments are in harmony with them. Therefore, investment planning cannot be done properly until I fully understand you, your family, and your unique situation.
My mission is to bring harmony into your financial life in a comprehensive and holistic manner through a process called Financial Life Planning.
I am a Fee-Only financial planner based in San Rafael, California and I serve clients throughout Marin County and the greater Bay Area..
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WHAT IS FINANCIAL LIFE PLANNING®?
Financial Life Planning is a holistic process that puts your interests first and focuses on increasing your sense of financial well-being and life satisfaction.
Initially, this process will help you to clarify your values, priorities, circumstances, and aspirations; and then guide you in defining and designing your unique version of the “rich life.” In addition, Financial Life Planning will increase your understanding of the habits and attitudes that will facilitate your financial and life goals and support successful life transitions.
WHY CHOOSE ME TO BE YOUR FINANCIAL LIFE PLANNER?
Because of the unpredictability of life and the complexity of financial markets, it is important to work with a Financial Planner who will help you to achieve your financial and life goals. And, it is essential to select a Planner who will take the time to truly get to know you and to understand your concerns and your dreams.
As your Financial Life Planner, I have joined the ranks of a small but increasing cadre of life-centered financial planning professionals who are leaders in the trend of integrating financial planning and life planning. We are dedicated to understanding each client’s unique set of values, priorities, challenges, and opportunities in order to make the most appropriate financial recommendations.
Therefore, in addition to traditional discussions of assets and net worth, we are asking our clients, “What will bring meaning and purpose to your financial life?”
If you are among those individuals disillusioned with the results of “using your life to make money,” you will find the opposite mind set of “using your money to make a life” to be both liberating and compelling.
©2010 Money Quotient, Inc.
Financial Life Planning® is a registered trademark of Money Quotient, Inc
SERVING CLIENTS WHO VALUE AN ON-GOING RELATIONSHIP
The core of my practice are professional families, have college bound children, and are within 15 to 20 years to their target retirement date. They desire an on-going, long term financial planning relationship. They also value and need objective, fee-only advice. My clients want a relationship with a trusted advisor who will guide and assist them in reaching their goals in an organized, comprehensive and holistic manner.
My Firm might be right for you if:
- You value a financial plan that includes retirement planning, investments, insurance, estate planning, and taxes.
- You value having your investments professionally managed because you do not have the time or interest to manage it yourself.
- You are a working Professional with children.
- You own a home or are in a position to buy one in the near future.
- You have at least $150,000 of investment assets if you are single or $300,000 if you are a family (not including your home or employer retirement accounts). While my Firm does not have any hard asset minimums, my services and fees are more appropriate for those who are at or above this asset level.
Attune Financial Planning is proud to be affiliated with the following organizations:
TD Ameritrade Institutional provides comprehensive brokerage and custody services to more than 4,000 independent registered investment advisors (RIAs).
The mission of Money Quotient is to facilitate the exploration and implementation of a values-based, life-centered approach to financial planning.
We believe this holistic process engages individuals and empowers them to maximize their resources and live meaningful and purposeful lives.
To this end, we conduct innovative research; provide the highest quality tools and training, and nurture a community of like-minded professionals who truly want to affect positive change in the lives of those they serve.
DIMENSIONAL FUND ADVISORS
Dimensional Fund Advisors (DFA) was founded on the work of Professor Eugene Fama (University of Chicago). Fama won the 2013 Nobel Prize in Economics for his pioneering work in investment management. DFA is a global investment firm that has been serving investors for more than 30 years. They offer investment solutions across asset classes, including global equities, fixed income, and REIT’s. DFA’s goal is to add value over benchmarks (Index) and peers (Active Managers) through an integrated and robust process. Using information in market prices throughout the process, DFA, carefully structures and implements portfolios to target higher expected returns. Their integrated, flexible approach considers the interactions among premiums, market frictions, costs, and diversification.
DFA Funds are only available through Fee-Only registered investment advisors and only after they meet DFA’s strict selection criteria.
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve. Since 1983, Americans across the country have looked to NAPFA for access to financial professionals who meet the highest membership standards for professional competency, client-focused financial planning, and Fee-Only compensation.
THE FINANCIAL PLANNING ASSOCIATION
The Financial Planning Association® (FPA®) is the principal professional organization for CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals, educators, financial services providers and students who seek advancement in a growing, dynamic profession.
FPA supports high standards of professional competence, ethical conduct and clear, complete disclosure when serving clients. FPA’s One Connection™ for professional development, business success, advocacy and community at the national and chapter levels is truly indispensable in the advancement of today’s CFP® professionals.