facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog external search

An independent, fee-only firm with CFP® advisors offering financial planning, investment or wealth management services

Sacramento, Santa Cruz, Los Gatos, Davis CA


Your Life, Your Future, In Balance

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:

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.

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 aide 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.

  • All the 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 $1,250 a quarter.

Helping you balance your present needs with future goals to create financial peace of mind

Working Together

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. Provide some information ahead of time to make our first official meeting efficient. Complete a financial fitness survey to identify primary topics.

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.

Families

Couples

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. Clients range 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 Advice Focused on Achieving Your 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.

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? Give us a call 800-347-1340 to learn more.

Working together to craft unique and individualized financial solutions

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.


Great financial planning is an evolving process, not a singular event

Mike Chamberlain Photo

Mike Chamberlain

CFP® AIF®
Read Bio

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, CFP®, CFS®, AIF®  Photo

Eugene K. Hsu, CFP®, CFS®, AIF®

Certified Financial Planner™
Read Bio

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.

Gary Cohen Photo

Gary Cohen

CFP®
Read Bio

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 Jansons Photo

Nikolara Jansons

Financial Assistant
Read Bio

nikolaraNikolara Jansons

Financial Assistant


I hold degrees in urban planning, urban studies and economics from the University of Hawai’i at Manoa, SFSU and Carbillo. 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 and the downtown library advisory commission.

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
Read Bio

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 dreams

Let us be your guide

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 questionnaires: 

Questionnaire

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), complete it, then schedule your complimentary “Get Acquainted” meeting to discuss it. 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
    Download a copy of the survey
  • Financial Security Survey In Retirement
    Download a copy of the survey

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?
Are the fees you charge tax deductible?
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 below. This file is a PDF and can be saved to your computer. 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 a PDF of the Client Service Agreement

Evidence Based Investing
Young Professionals

Financial Planning for Young Professionals

As a young professional, at the beginning of your career, you have a unique opportunity to create a stable financial foundation on which to build your financial life. The money traits, savings, and spending habits that you adopt now will shape your financial future, all the way into retirement and beyond.

The financial issues you face as a young professional are far different than those of an individual getting closer to retirement age. However, there is little in the way of sound written advice on the financial issues you might need to consider, so we’ve written an eBook that covers most common financial planning topics.

Our free eBook contains eight chapters that cover: Managing Current Spending, Debt Management, Investing and Investments, Retirement Planning, Estate Planning, Insurance, Employee Stock Programs, and Topics for Young Families. Each chapter introduces the topic, defines the important aspects for young professionals, and provides general recommendations on how to handle common decisions and problems.

Our goal is for you to have enough knowledge and education to begin to make better financial decisions and to learn to balance current needs with future goals. Later, as your assets grow and especially as financial matters become more complex, professional help may very well be needed but for now, with this basic understanding, you can create a good foundation for your financial future.

 

Click here to download the free eBook “Financial Planning For Young Professionals.”

Widows and Widowers

Securing your Financial Well-Being Workbook for Widows and Widowers

The death of your spouse or partner is one of the most difficult challenges of your life. No matter if you are a widow or widower you will be required to make a series of decisions to try to regain balance in your life.

There have been numerous books written to help you cope with your grief, emotions and social adjustments. There does not seem to be a concise “how to” workbook that outlines what needs to be done to help you keep track of your progress in making the necessary changes.

As a financial planner and advisor, I would not attempt to address the necessary steps to regain your emotional, social or physical well-being but we have drafted a workbook for those that have lost their partner/spouse to help you to regain your “financial well-being”.

There are two goals for this workbook. The first is to provide a structure or methodology so that you can regain your financial well-being and have financial peace of mind. The second is to help you to avoid making poor financial decisions, which can occur without having a good understanding of your current financial situation and what you will need in your future.

Hopefully this will help guide you though a process to better understand what needs to be done now as a result of your loss, help guide you to “getting it done” and lead to a better understanding of where you currently are at from a financial standpoint and how to best secure your future financial well-being.

 

Click here to download the free workbook “Securing My Financial Well-Being.”

Proper Estate Planning

Proper Estate Planning Documents

Every adult with any kind of asset needs the protection provided by proper estate planning documents. The best and “safest” place (to ensure that your plans are adhered to exactly) to obtain these documents is from an estate planning attorney who can provide you with appropriate and sound legal advice.

For individuals turning 18, and with no dependents, no real estate and very little in the way of assets, the purchase of estate planning documents can be expensive. Still, having estate planning documents is in your best interests and the best interests of your future heirs.

The following websites provide standardized estate planning documents for residents of California. Residents of other states might find similar websites, appropriate for where he or she lives.

If you choose not to use an Estate Planning Attorney, please follow the relevant instructions for the proper completion of the following documents. Once complete, be sure to sign the documents in front of a notary and then provide a copy of the documents to those individuals named within.

 

Power of Attorney – Allows control of your financial matters if you cannot.

Advanced Healthcare Directive – Allows others to make healthcare decision if you cannot.

Will – Passes your assets on your death.

HIPAA Release – Authorization for health information release.


Digital Estate Planning

Getting Your Digital Estate in Order

Digital Estate Planning is a proactive process designed to help manage your digital assets upon your incapacity or death. With many bank, brokerage, credit card, bill pay sites and other types of accounts going online (and in some cases, only allowing online access) digital estate planning has become an increasingly important part of traditional estate planning.

It is important that for all of your accounts, which have online access and passwords, that you also have offline documentation which you keep in a known location. That will allow your trustees, designated Power-of-Attorneys or executor’s access to these accounts as and when needed. It is recommended that this documentation be stored in a secure location, preferably near or with your other estate planning documents and that they be updated regularly. 

To help you gather all your account information in one place download our Digital Estate Planning form (a fillable PDF). You’ll want to update the information whenever you open, modify or close an online account.

Emergency ID Card

Emergency ID

If you are unconscious and cannot express your health-care wishes, the quality of your care could be impacted. Medical personnel need to know who to contact and how to contact them as fast as possible.

Below is a link to an “Emergency ID card” that you can complete, print out and carry with you so hospital personnel may quickly contact the appropriate people to act on your behalf.

The card is offered in a fillable PDF format designed for you to complete on your computer. The alternative is to print out the blank document and complete it by hand.

Do your friends and family a favor and send links to this site so they too will be better equipped in a medical emergency as well.

If you would like other useful information you may wish to subscribe to our blog “Money Matters“.

 

Download a PDF of the Emergency ID Information Card

Further Reading
Helpful Links


Financial success is reaching your goals- not beating the market

Pinpoint your risk number

Blog

Loading Posts...

Is now a good time to bring balance to your financial life and gain greater financial peace of mind?

If so, give us a call.   800-347-1340


With four convenient office locations, we work with Californians from the mountains to the coast. Click on the best location for you for more information.

Get in Touch

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