Financial Planning .
. Fiduciary . Independent . Fee-Only
Forms - PDF
Client Data Forms - Excel Spreadsheet
Top Down Spending Estimator Worksheet - PDF
Top Down Spending Estimator Worksheet - Excel Spreadsheet
Form ADV (SEC disclosure document)
Letter of Engagement for Financial
Investment Advisory Agreement
560 First Street,
DISCLAIMER: The Company only transacts business in states where
it is properly registered, or excluded or exempted from registration
requirements. Past performance may not
be indicative of future results.
Therefore, no current or prospective client should assume that the
future performance of any specific investment, investment strategy (including
the investments and/or investment strategies recommended and/or purchased by
adviser), or product made reference to directly or indirectly on this Website,
or indirectly via link to any unaffiliated third-party Website, will be
profitable or equal to corresponding indicated performance levels. Different types of investment involve varying
degrees of risk, and there can be no assurance that any specific investment
will either be suitable or profitable for a client’s investment portfolio. No client or prospective client should assume
that any information presented and/or made available on this Website serves as
the receipt of, or a substitute for, personalized individual advice from the
adviser or any other investment professional.
Historical performance results for investment indexes and/or categories
generally do not reflect the deduction of transaction and/or custodial charges
or the deduction of an investment-management fee, the incurrence of which would
have [the] effect of decreasing historical performance results. This web-site is for informational purposes
only, and does not constitute a complete description of our investment services
or performance. This web-site is in no way a solicitation or offer to sell
securities or investment advisory services, except in the state of California, where we are
registered, or where an exemption or exclusion from such registration exists.
Information throughout this site, whether stock quotes, charts, articles, or
any other statements regarding market or other financial information, is
obtained from sources which we, and our suppliers, believe reliable, but we do
not warrant or guarantee the timeliness or accuracy of this information.
Nothing on this web-site should be interpreted to state or imply that past
results are an indication of future performance. Neither we, nor our
information providers, shall be liable for any errors or inaccuracies,
regardless of cause, or the lack of timeliness of, or for any delay or
interruption in the transmission thereof to the user. There are no warranties,
expressed or implied, as to accuracy, completeness, or results obtained from
any information posted on this or any linked web-site.