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Important Update

Thank you for visiting our website.   We are excited to announce that effective January 1, 2021:

SERVICES FOR THE DAVIS & Sacramento offices are now offered through:



SERVICES FOR THE Santa Cruz, Silicon Valley, & San Francisco offices ARE NOW OFFERED THROUGH:





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

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



GET STARTED

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.


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
  • Financial Security Survey In Retirement
  • Online retirement survey

3. Investing Tasks - who does what

  • Determine tasks  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.
Evidence Based Investing
Young Professionals
Widows and Widowers

Financial Well-Being for Widows and Widowers: Free Workbook

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 through 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 our free workbook “Securing My Financial Well-Being.”

Proper Estate Planning
Digital Estate Planning
Emergency ID Card
Further Reading

Just Give Me the Answer$: Expert Advisers
Address Your Most Pressing Financial Questions
By Sheryl Garrett, CFP®, with Marie Swift and The Garrett Planning Network, Inc

Hiring a financial planner is often something people associate with the wealthy. But according to financial guru Sheryl Garrett, everyone should be able to work with a financial professional and take control of his or her financial fitness. In Just Give Me the Answer$: Expert Advisers Address Your Most Pressing Financial Questions, Sheryl Garrett along with Marie Swift and Members of The Garrett Planning Network have provided the answers to the most pressing financial questions consumers ask as they pass through various life stages. Sprinkled with real-life stories and specific examples, Just Give Me the Answer$ is a one-stop resource for anyone looking to get – and keep — their financial house in order.

 

Money Without Matrimony
By Sheryl Garrett, CFP®, and Debra A. Neiman, CFP®, MBA

This book provides financial planning tools and strategies that enable unmarried couples to solve the financial, legal, and discriminatory dilemmas inherent in their living situation. The authors take a real-world approach to the issues, providing specific advice and direction for the more than 5 million couples across the unmarried spectrum. It is an invaluable guide for anyone, of any age, who is unmarried and lives with or is considering living with a partner.

 

Conscious Finance 
By Rick Kahler, CFP®, and Kathleen Fox

This book will help you discover your unconscious money beliefs and break their power, transforming the role of money in your life. It will give you practical, down-to-earth guidance along a new path to help you achieve fulfillment and prosperity far deeper than just financial success.

 

The Number: A Completely Different Way to Think about the Rest of Your Life 
By Lee Eisenberg

“The Number” is the amount of money you need to have socked away in order to be confident that your post retirement life will meet your expectations. Everyone’s Number is different – and while it is important to save enough to last – Eisenberg says Americans need to also determine how they want the rest of their life to look. “It’s not just ‘how much’ but ‘what for’” he says. He provides a charmingly written consideration of an aging generation’s retirement worries and of the investment business designed to profit from them. Heartfelt discussions of goals, health and health care, “downshifting” to enjoy life while spending less money and the meaning of post retirement life pepper its pages. His perceptive analysis of real and fictional people’s financial hopes and strategies will inspire readers to reconsider their Numbers and their methods for investing. Sheryl Garrett, founder of the Garrett Planning Network, George Kinder, co-founder of the Kinder Institute of Life Planning, and many other leading financial planners are profiled in the book. Eisenberg provides additional thoughts on his web-log (www.thenumberbook.com).

 

Zero Debt  
By Lynette Khalfani

If you want to be debt-free and achieve financial freedom, you need an action plan to guide you. This book is your step-by-step plan and it’s simple and easy to understand.

  

Ten Weeks to Financial Awakening: A Guidebook to the Creation of Your Own Financial Plan Using Quicken Software  
By Paul Lemon

This isn’t really a book, it’s a complete financial planning program that will help you organize and control your finances and take control of your financial life. This book guides you step-by-step to developing your own financial plan.

 

The Ultimate Credit Handbook: How to Cut Your Debt and Have a Lifetime of Great Credit
By Gerri Detweiler

A former director of Bankcard Holders of America, Gerri Detweiler draws on her years of expertise in counseling consumers with credit problems to write the definitive handbook on how to have more credit, get out of debt and live a lifetime of financial stability and prosperity.

 

College Money Handbook  
By Petersons

This book is an annually updated reference guide to more than 1,600 individual colleges’ student financial aid appropriations. It is designed to help prospective undergraduate students and their families discover what they might look for in financial aid from particular institutions, aid them in making comparisons between institutions and help them make decisions related to financial aid. The front matter provides a concise overview of the student financial aid system.

 

Suddenly Single: Money Skills for Divorcees and Widows
By Kerry Hannon

This book provides divorced or widowed women with essential information that can transform their lives. The book should be viewed as an essential survival kit for all suddenly singles.

 

The Budget Kit  
By Judy Lawrence

This book has a simple, no-nonsense approach to understanding and managing one’s financial life. The recommendations and examples are superb, and the “big picture” is communicated effectively. The book is a complete kit by itself, and the associated Web site offers more outstanding advice and useful tools.

 

Does Your Broker Owe You Money
By Daniel R. Solin, Esq.

This book discusses how investors can avoid being victimized by brokers and how to get their money back if they incurred losses on account of broker misconduct. An excellent primer for those wanting to get “the inside skinny” of the brokerage business. Shows investors the various forms of broker fraud, and helps them determine if they have a claim. Gives you the tools to assess if you have a claim and advises you on what your next steps should be.

 

You Don’t Have to Be Rich: Comfort, Happiness and Financial Security on Your Own Terms  
By Jean Chatzky

Chatzky, who is with NBC’s Today Show and Money Magazine, creates an insightful book that shows can show you how to make financial decisions to make you truly happy no matter your financial means. Practical advice. Highly inspiring.

 

The Richest Man in Babylon
By George Clason

A collection of parables written in the 1920s, this book is a timeless, inspirational work. Great advice on the subject of thrift, financial planning and personal wealth, that is just as sound today, as it was 80 years ago.

 

Your Money or Your Life: Transforming Your Relationship With Money and Achieving Financial Independence: Fully Revised and Updated for 2018   
By  Vicki Robin and Joe Dominguez

This is a best-selling book on how to get control of your money and your life. The authors help you take a look at how you handle your money, and whether it is a reflection of your values.

 

The Millionaire Next Door
By Thomas Stanley and William Danko

Contrary to what many may believe, most millionaires are not flashy. This book gives you a good look at the profile of a typical millionaire, how they got there, and how you can learn from their habits. Who knows, you might even become the next Millionaire Next Door.

 

Saving Money: An Easy, Smart Guide to Saving Money  
By Barbara Loos

Formerly published under the title I Haven’t Saved a Dime, Now What?!, this book has been repackaged, and sold under the Barnes & Noble Basics label. It is designed to walk you through the often puzzling and worry-producing world of money.

 

Seven Stages of Money Maturity: Understanding the Spirit and
Value of Money in Your Life

By George Kinder, CFP®

This is a book that searches for the spiritual meaning in wealth, and tells the stories of three composite characters throughout the book. You learn how to evolve through the seven stages (innocence, pain, knowledge, understanding, vigor, vision, and aloha) necessary to achieve financial and emotional security. Named as “one of the most influential people in the financial planning industry” (Investment Advisor magazine, June 2003), George is the founder of The Kinder Institute of Life Planning, a personal empowerment and training organization that offers the highly-acclaimed Seven Stages of Money Management Workshop.

 

Serious Money, Straight Talk about Investing for Retirement
By Rick Ferri, CFA

Serious Money explains why stockbrokers, investment firms, financial consultants and the mass media do not always have your best interests at heart. In this hard-hitting book, author Richard Ferri takes the investment industry to task for spending too much effort on selling and too little on meeting the needs of serious investors.

 

Who Gets Grandma’s Yellow Pie Plate?  
By Marlene Stum

This is a sensible, down to earth guide on how to handle the distribution of family items from one generation to the next. The goal is to have the process be a celebration of the deceased person’s life, rather than allowing emotions to harm or destroy family relationships.

 

A Random Walk Down Wall Street: The Best Investment Advice for the New Century
By Burton Malkiel

This is an investment classic, originally published in 1973. It has just been updated, and now takes into account the dot-com meltdown. Among other topics, Malkiel gives an entertaining history of past market bubbles, and explains why it’s not worth trying to beat the market. There is also a life-cycle guide to investing in the market.

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.


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

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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.

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