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I want to help you enjoy your work AND protect + grow your wealth.
Since 2017, WealthBuilders has provided financial expertise for sales executives and business owners.
Monday – Friday
8:00 AM – 4:00 PM (PST)
I look forward to responding to your message within 24 business hours, Monday – Friday, 8 AM – 4 PM PST. Thank you for your patience!
Frequently Asked Questions
For many reasons, but you should know you can Google many of your financial questions the same way you can search for medical answers. The information is out there, but do you have the time, expertise, and risk tolerance to tackle your situation? How do you prioritize goals? How do you uncover needs that can be over looked?
As humans, we face many psychological biases that prevent us from achieving financial success. According to Bloomberg, from 1996-2015 the average investor returned a measly 2.11% while the S&P 500 averaged 8.19%. One of the primary reasons for this deficiency is the emotional aspect of managing your own money. As a fiduciary to you, we will help construct investment strategies that will maximize your returns given your comfort level with investment risk.
But beyond returns, there are many ways we can add value that do not show up on your performance reports. For example, we can look at ways to help you reduce your expenses, reduce the risks you face in your life, and get on the right side of compounding interest.
As an independent financial planning practice, WealthBuilders is set up to avoid conflicts of interest. You should hire us if you want someone to provide peace of mind around your money and reduce the financial stress you feel in your life.
Our typical client is a high-earning progressive professional in their 30’s or 40’s with income higher than $250k+ single, $400k+ household, business owner clients $1M+ with less than 10 employees. You have equity compensation or commissions that want to properly manage. You may be able to manage your own finances effectively if you put the time and effort into it. But, because of the inherent emotional aspects of managing your finances—specifically the fear of the markets and the time commitment required—you prefer to delegate the financial stressors in your life to a professional.
I believe in evidenced-based investment management. I don’t believe that you can beat the market, but I think that you are entitled to get market rates of return. I believe in keeping your investment fees as low as possible, harvesting losses when applicable, and rebalancing when appropriate.
I believe you should focus on the things you can control, like how much risk are you comfortable with, using compounding growth to its full potential, and minimizing your taxes
If you believe that you can beat the market, are interested in trying to time the market, or want to pick “cocktail” stocks, we probably are not a good fit for each other. We do not think you can beat the market, but we do demand that we get market returns out of your portfolio. That is why we select low-cost investments that are best-of-breed so we can focus on things you can control.
If you don’t align with our evidence-based strategy and opt for speculative investments or options trading, we probably are not a good fit for each other.
No. We can meet virtually over Zoom, telephone, or whichever method of communication is convenient for you. We are set up this way so we can meet you wherever you are, regardless if you live locally or across the country. This will also save you time commuting to our office so we can meet at a time that is convenient for you.
A fiduciary has the highest ethical obligation to put your interests ahead of their compensation and any other considerations. We are fiduciaries – this is a fundamental value of ours and we wouldn’t have it any other way.
No. We believe that everyone should have access to a qualified independent financial advisor. Thus, the first meeting will be free. So bring your financial questions with you. If we aren’t a good fit to work together, we will point you in the right direction.
Yes. We work with clients who live across the country. No matter where you live in the US, we can work together. We are currently registered in California, but we can provide services in other states as well.
Do you have Investment account minimums?
We have a $7,500 minimum retainer for financial planning clients. We do have an account minimum for investment-only clients which starts at $750,000 of investable assets.
Your money is held at a custodian bank like TD Ameritrade, Charles Schwab, and Betterment, which is insured by the SIPC for up to $500,000 per account type and are protected against losses resulting from the failure of the broker-dealer. Please note, unlike FDIC insurance for banks, SIPC does not protect against losses due to normal swings in the market. An explanatory brochure is available at http://www.sipc.org.
Have any other quesitons?
Feel free to reach out, I’m here to support you.