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Independent, Fee-Only Financial Planning, Investment and Wealth Management Services from CFP® Advisors

Serving Santa Cruz, Silicon Valley, Sacramento & Davis, California 

Your Life, Your Future, In Balance

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Services

The purpose of a financial plan is to help you to better understand where you are now and help you to reach your goals in the future. Your plan includes observations, analysis and recommendations to better balance current needs with future goals. Elements of your financial plan may include some or all of the following topics:

Our Financial Planning Services

Current Financial Status

Together, we document your current net worth and your cash flow. We will check the state of your debts and the effectiveness of your income tax planning.

Estate Planning

Together, we will review your current estate documents to help establish that they are still relevant and complete. Then you can discuss our recommendations with your attorney. If you do not have these important documents we can refer you to a suitable attorney. 

Lifestyle & Asset Protection

We take an in-depth look into your insurance policies and offer recommendations so that you and your family are adequately protected against many perils. 

Retirement Planning

The latest advancements in technology have allowed us to use its projections to help you make the best financial decisions for retirement, funding education or other future goals. 

Investment Review

An overall asset allocation analysis will be provided for your current investments to determine your risk tolerance. Thereafter, we will share a recommendation based on our investment philosophy.

Other Considerations

Any other issue or concern you have should be included in your plan such as education planning, stock options, RSUs, charity or philanthropic desires, annuity review, etc.

The cost of the financial plan can vary based on the complexity and number of elements, but most often totals $2,000 to $5,000.

You may engage our ongoing investment management services for numerous reasons such as you don’t have the time, motivation, tools or knowledge to properly manage your own portfolios. Or because you worry that it may be hard to recover from a market downturn and prefer to have us “on board” to monitor and proactively make portfolio changes.

Our Investment Management Services

  • Determine the appropriate level of risk for your portfolio and utilize appropriate asset allocations for the highest return given your level of risk
  • Complete the necessary paperwork to open new accounts, facilitate the transfer of assets and write an investment plan, expressed in your Investment Policy Statement (IPS)
  • Select specific investments utilizing a multi-step screening process based on Generally Accepted Investment Principles and Evidence Based Investing
  • Construct and maintain a tax efficient portfolio across all accounts as well as complete the buys and sells of investments in the managed accounts
  • Regularly monitor your portfolio and implement changes as needed based on your Investment Policy Statement (IPS)

The cost of this service is a an annual retainer amount billed on a quarterly basis, which is determined by the complexity of your situation, the amount of time expected to be needed, the number of accounts, the size of the accounts and the value provided to you. The minimum retainer is $300 a quarter.

Our wealth management service is a consultative process meant to aid you in meeting your present and future goals by providing ongoing financial and investment advice in conjunction with your tax, insurance and legal advisors. Know that professional, ongoing, objective, fiduciary advice is the best way to achieve your goals in life.

Our Wealth Management Services

  • All our Investment Management Services plus: 
  • Assistance with your initial financial plan implementation
  • Coordination amongst your other advisory teams, which might include tax, insurance, and legal professionals
  • Quarterly investment performance reporting
  • Unlimited meetings, phone calls and emails during the year
  • Periodic updates of your financial plan – “How you are doing relative to your goals over time”

The cost of this service is a fixed annual retainer billed on a quarterly basis, which is determined by the complexity of your situation, the amount of time expected over the year, the number of accounts, the size of the accounts and the value provided to you. The minimum retainer is $1,500 a quarter.

 Financial peace of mind is about more than money

Working Together

4 Steps to Financial Peace of Mind

Step 1

We invite you to review our website to better understand what we do and how we do it

Step 2

Call the office location most convenient for you and have a short, exploratory phone conversation with one of our team members to determine if our working together will be a good fit.

Step 3

Schedule a free, introductory “Get Acquainted” meeting to determine how our team can best help you and discuss the associated cost. 

Step 4

Provide some information ahead of time to make our first official meeting efficient. Complete a financial fitness survey to identify primary topics.  Participate in the Get Acquainted meeting then decide if we are a good fit, then engage our services.

Financial Planning & Wealth Management for Families, Couples & Individuals Across California

While many advisors try to be all things to all people - we do not. In our 20 years, we've learned to focus on what we do best. We are a good fit if your are looking for a holistic partner with deep expertise in financial services. 


happy family, chamberlain financial planning

Families

happy retired couple, chamberlain financial planning

Couples

individual financial planning, chamberlain financial planning

Individuals

Most of our clients are educated, happy and know that they do not know everything about planning and investment management. We work with individuals, couples and families ranging in age from their 30’s to well into their 80’s. Many are working, some are about to retire and some are already retired. Each age group has special objectives and specific concerns.

Objective Financial Advice Focused on Achieving Your Unique Financial Goals

Your investments should provide you with the best probability to meet your financial goals. Our investment approach is designed to offer highly diversified, tax efficient and low-cost portfolio management. Through Evidence Based Investing, we are able to give advice that is carefully researched yet easy to understand. 

We believe you should be a part of the investing process and not an outside observer to the management of your portfolio. With our transparent investing strategies, having an Investment Policy Statement and with our ongoing reporting, you will be aware of where you are at and monitor the progress towards your goals.

Contact us to learn more about our investment approach

At Chamberlain Financial Planning and Wealth Management, we work with you on a team basis to help you to balance your current needs with your future goals, and achieve financial peace of mind. 

If you would desire the following in your new advisor, we may well be a good fit to work together.YesNo
CFP® professional
Fiduciary standard of care 100% of the time
Advisors average over 20 years of experience
Comprehensive financial planning and asset management
Straight forward communication and easy to understand

Still not sure if we are a good fit? Contact us to learn more.

Working together to craft unique and individualized financial solutions across California

Where do you need help?

Why Work With Us

Advisor Qualifications

Every one of our advisors hold the CERTIFIED FINANCIAL PLANNER™ (CFP) qualification. The CFP® mark is the gold standard in the financial advisory community based on education, testing, experience, and that we are held to a rigorous ethical standard.

Fiduciary

We abide by the fiduciary standard. Meaning we always keep your best interests at the foremost of our thinking. This is much different than 95% of other firms that sell products or insurance. Our firm is “fee-only” in that we are not paid anywhere other than directly from you, our client.

Experience

Each of our advisors average over 20 years of experience working with clients just like you. We strive to help you make better decisions so that you and your family can live a full and happy life.

Technology

Our firm utilizes state-of-the-art technologies to analyze, monitor and report on your portfolio and your financial plan. In addition, our technology communicates more efficient updates on the status of your financial plan and your investments.

Value

We are not paid by commission or a percentage of assets. We charge an hourly rate on project basis and for an ongoing advisory service it is on a fixed fee or sometimes called a retainer basis. Either of which is a great value compared to other financial service companies.


You have questions - our knowledgeable, experienced CFPs® have answers

Get started today

Mike Chamberlain Photo

Mike Chamberlain

CFP® AIF®
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Mike Chamberlain CFP AIF financial planner in Santa Cruz, Sacramento, and Los Gatos California

Mike Chamberlain

CFP® AIF®


I have been helping people to make better financial decisions to improve their lives since the 1980’s. Chamberlain Financial Planning was established in 2007 to assist people on a fee-only basis, which means that we do not sell investments or insurance, unlike 95% of other firms.

My education includes both bachelor’s and doctorate degrees from the University of California, Berkeley. Accredited Investment Fiduciary course work was from The Center for Fiduciary Studies at the University of Pittsburgh and CFP® course work was from Boston University.

I live in Santa Cruz with my life partner, Patty. But most of my family reside in Sacramento including my daughter Cathi, her husband and three kids, my two brothers and parents. In 2009, I opened a branch office in Sacramento so that I could visit with my family more frequently. My son Mitch lives in Austin Texas with his wife and two little girls.

Sailing is one of my life’s passions. It is a great way to get in touch with nature and I am fortunate enough to have a sailboat at the Santa Cruz harbor.

Eugene K. Hsu Photo

Eugene K. Hsu

CFP®, CFS®, AIF®
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Eugene K. Hsu, CFP AIF financial planner in Santa Cruz, Sacramento, and Los Gatos California

Eugene K. Hsu

Certified Financial Planner™


Making a positive difference in people’s lives by helping them feel confident about their finances is very important for me. When a client has a financial plan, it empowers them to focus on the things that they really care about. Helping clients develop their own plan gives me a strong sense of professional satisfaction and have been doing so for over 19 years.

I live in Davis with my lovely wife Gabriela and our son Liam. They are a constant reminder of what really matters, and they give me a wonderful sense of purpose in my life.

Making a difference in my community is also very important. I volunteer at Liam’s school and Brazilian Jiu Jitsu classes. Being a member of the Yolo Lodge has also helped connect with our local community. Supporting the Relay for Life is a great way we support friends, clients, family members and so many others who are cancer survivors. I am also grateful for the opportunity to be a Shriner in supporting and promoting the Shriners Hospital, which is an incredible resource for families with children suffering from complex medical needs.

My Bachelor’s degree is from the University of California, Davis in International Relations and minor in Managerial Economics. I completed my Accredited Investment Fiduciary® course work from Fi360 Global Fiduciary Insights. My Certified Financial Planner™ course work from the University of California, Davis Extension; and my Certified Fund Specialist® designation from the Institute of Business and Finance.

Mark Astrinos Photo

Mark Astrinos

CPA/PFS, CFP®, RLP®
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Mike Chamberlain CFP AIF financial planner in Santa Cruz, Sacramento, and Los Gatos California

Mark Astrinos

CPA/PFS, CFP®, RLP®

Mark Astrinos brings to each client a significant depth of experience in a range of professional certifications (list below). In addition, clients benefit from his personal strengths in trend analysis, research, attention to detail, and creative customization of personalized solutions. Strong technical tax expertise is rigorously applied to all investment and financial planning recommendations, with the objective of minimizing tax exposure.

Clients are encouraged to be true collaborators in the planning process. Mark guides them in exploring their current circumstances, motivating values, and objectives in order to craft a unique financial strategy. Mark provides up-to-date relevant resources to help clients understand the options, opportunity costs, and risks of each choice in order to make well-informed decisions. Mark Astrinos strives to organize and streamline all aspects of his clients’ financial life, both “macro” (investments, insurance, retirement, estate planning) and “micro” (income, spending, savings, taxes). His goal is to ensure that every client feels at ease — confident in the advice of a respected professional.

Education and Certifications:
CFP® - Certified Financial Planner
CPA - Certified Public Accountant
PFS® - Personal Financial Specialist
RLP® - Registered Life Planner
BSC in Accounting, Cum Laude - Santa Clara University

Gary Cohen Photo

Gary Cohen

CFP®
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Gary Cohen CFP financial planner in Santa Cruz, Sacramento, and Los Gatos California

Gary Cohen

CFP®


In 2009, after 29 years as an electrical engineer, I made a career change to help people improve their financial lives rather than working on computers. It has been a great change!

My education includes CFP® course work from the University of California at Santa Cruz. I have a bachelor’s degree in electrical engineering from MIT and a master’s degree in computer engineering from Stanford.

Portfolio design, rebalancing clients’ portfolios, performance reporting, investment selection and completing clients' sells and buys occupies a major part of my time at the office.

I live in Sunnyvale with my wife Debbie and our two cats. Our son graduated from UCSD and is playing professional soccer. Our daughter is working in New York City.

My outside interests are traveling, bicycling and playing volleyball; surprisingly I still can jump after playing for 30 years.

Nikolara Dunbar-Jansons Photo

Nikolara Dunbar-Jansons

Financial Assistant
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nikolaraNikolara Jansons

Financial Assistant


I hold degrees in urban planning, urban studies and economics from the University of Hawai’i at Manoa, SFSU and Cabrillo. I consistently use my education while working on client files, social media postings and website management. I also handle client billing, office assistance and project management. 

I love living, working and volunteering in my hometown of Santa Cruz, California. I currently serve on the board of directors for Friends of Santa Cruz State Parks.

As a lifelong, passionate gardener, I enjoy getting out in the garden every chance I get. In addition, I am an active transportation advocate, enjoying the sidewalks and bike paths of Santa Cruz.

Wendy Scrimsher Photo

Wendy Scrimsher

Client Service Administration
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Wendy Scrimsher Client Service Administration for Chamberlain Financial Planning and Wealth Management

Wendy Scrimsher

Client Service Administrator


I joined Chamberlain Financial Planning and Wealth Management in 2012, bringing 20 years of customer service experience with me. I earned associate degrees in both accounting and business administration.

My main responsibilities are managing our database and communicating with clients. I enjoy keeping the office running smoothly and clients happy.

I live in Aromas with my daughter and I have been a Girl Scout leader for four years. I also work closely with the Aromas 4-H to support the Aromas youth and community.

Balancing current needs with your financial dreams

Let us be your guide

Helpful Financial Resources

To make our first “Get Acquainted” meeting most efficient we need some basic information about you and your situation. Please complete the following three forms: 

1. Questionnaire

2. Financial Fitness Survey

  • The purpose of this survey is to identify those areas where you have concerns and point out where you would benefit from getting some professional assistance.
    Download the form that is appropriate for you (pre-retirement or in retirement). If you’re married, your spouse should also fill out a copy of the survey, but don’t peek over each other's shoulders while completing it, your individual opinions are important.
  • Financial Fitness Survey Pre-Retirement
  • Online pre-retirement survey
    Download a copy of the survey
  • Financial Security Survey In Retirement
  • Online retirement survey
    Download a copy of the survey

3. Investing Tasks - who does what

  • Download and check off those tasks associated with unveiling where you would like professional assistance.
Are you a fiduciary?
What is fee-only financial planning?
What are your fees?
What is your investment approach and philosophy?
Who does what when it comes to investing?
What types of investments does your advice cover?
If you develop a financial plan for me, am I obligated to comply with the recommendations?

Absolutely not. Our recommendations are exactly that. They are offered to meet your needs and objectives, but you are under no obligation to act on them. In today’s competitive market, it makes sense to shop around for the best available product or service. For instance, if we believe you have a need for life insurance, we will suggest the type of policy, which riders and what amounts may be best for you. It is totally your decision to acquire that coverage or not. At your request, we can direct you to several companies that can provide a quality product. The same applies to estate lawyers, accountants, and mortgage brokers, etc. We will recommend a name or two, but it’s entirely up to you to decide whether or not to utilize that recommendation.

What is your investment philosophy?
Once my financial plan is completed, will our relationship end?

We believe in placing our clients’ best interests first. Therefore, we commit to the following five fiduciary principles:

  1. We will always put our clients’ best interests first.
  2. We will act with prudence; that is, with the skill, care, diligence and good judgement of a professional.
  3. We will not mislead clients, and will provide conspicuous, full and fair disclosure of all important facts.
  4. We will avoid conflicts of interest.
  5. We will full disclose and fairly manage, in our client’s favor, any unavoidable conflicts.

Please download the Engagement Agreement PDF below. Please print the document, make notes on it or circle areas you have questions about and we can review these at the “Get Acquainted” meeting.

Download Our Client Service Agreement

Evidence Based Investing
Young Professionals
Widows and Widowers
Proper Estate Planning
Digital Estate Planning
Emergency ID Card
Further Reading
Helpful Links

Financial Planning & Personal Finance

  • NerdWallet – Financial advice and financial product recommendations.
  • Forbes – Fee-Only Planner Blog
  • Yahoo Finance – Financial news and commentary on U.S. and world markets, plus investment, loan and insurance centers.
  • Your Credit Score – Use this from My FICO to find out what your credit score might be.
  • Money Central - Investor quotes, charts, news and a variety of financial planning information.

Professional Organizations

  • The Garrett Planning Network, INC. – Nationwide network of professional fee-only financial advisors, dedicated to serving people from all walks of life on an hourly, as-needed basis, founded by Sheryl Garrett, CFP®, author of “Just Give Me the Answer$” and one of the Top 25 Most Influential People in Financial Planning.
  • National Association of Personal Financial Advisors (NAPFA) – Information about NAPFA and fee-only financial planners, including why choose a fee-only financial advisor.
  • Certified Financial Planner (CFP) Board of Standards - Information about Certified Financial Planner (CFP) licensees and the financial planning profession, including what it takes to become a CFP and tips on how to select a financial advisor.
  • Financial Planning Association (FPA) - Membership organization for the financial planning community. Members include individuals and companies who have contributed to building the financial planning profession and all those who champion the financial planning process. The website provides a search engine for CFP practitioners in your area.

Governmental Sites

  • California Franchise Tax Board – Portal for California tax forms and information for individuals and businesses.
  • Social Security Administration – News and how-to information on tax withholding, obtaining a replacement card or Statement of Earnings and Benefits, etc.
  • Medicare – Learn about eligibility and benefits, billing, compare health-care options, download Medicare forms, and locate participating providers by geographic area.
  • Internal Revenue Service – Tax forms, publications and information.

College, Education & Financial Aid

Market News

  • CNBC – Market commentary plus the latest business headlines from CNBC / MSNBC / Wall Street Journal.
  • Wall Street Journal – Interactive edition. All the news of the WSJ plus 24-hour-a-day updates.

Mutual Funds

  • Morningstar Online – Primary provider of mutual fund research. Market reports and investor information. Your first second opinion.
  • Mutual Fund Investors Center – Educational center with planning tools and mutual fund tracking features.

Bank Account Rate Comparison

  • Depositaccounts.com - Tracks current interest rates at thousands of banks and credit unions to allow you to easily compare rates between banks.


Helping you reach financial success & to prosper

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Are you located in California and ready to bring balance to your financial life?

Let us help you gain greater financial peace of mind today


Serving Californians from the mountains to the coast

With four convenient locations across California we offer financial solutions that are thoughtful, transparent, and objective. 

Interested in working with us? Click below on the location near you for more information.

Get in Touch

Fill out the form below or send us an email at info@chamberlainfp.com.

 (800) 347-1340