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For our first meeting, it’s helpful to have a clear picture of your current financial situation and goals. Download our list of documents and information to bring along.

It includes:

1. Personal Information
2. Financial Accounts
3. Retirement Plans
4. Debts
5. Insurance
6. Tax Information
7. Estate Planning
8. Goals and Questions

If you don’t have all of these on hand, no worries—just bring what you can. The more information we have, the more tailored our conversation can be!

We offer a wide range of services to help you achieve financial clarity and confidence:

1. Comprehensive Financial Planning – retirement planning, tax planning, education funding, and cash flow & budgeting.
2. Investment Management – goal-based investing, portfolio management, and 401(k) guidance.
3. Estate and Legacy Planning – wills, trusts, beneficiary planning, and asset protection.
4. Insurance and Risk Management – life, home, auto, long-term care coverage, and gap analysis.
5. Financial Coaching and Education – simplifying finances and building confidence in decision-making.
6. Specialized Services – 401(k) management and PG&E retirement planning.
7. Ongoing Support – regular plan reviews and access for financial questions.

Our goal is to provide clarity, simplify your finances, and help you achieve your life goals with confidence. Let me know if you'd like a deeper dive into any specific area!

At Powering Your Retirement, our compensation comes solely from the
services we provide to you, without any third-party incentives. Primarily on a
fee basis. This approach allows us to offer unbiased advice tailored to your
best interests.

Our fee structure includes:

• Financial Planning Services: We charge a flat fee for comprehensive financial planning, which covers retirement strategies, tax planning, investment advice, and more. The exact fee depends on the complexity
• Investment Management: For managing your investment portfolio, we typically charge a percentage of assets under management (AUM). This percentage is agreed upon upfront and is designed to align our incentives with your financial growth.
  
• 401(k) Active Management: We provide professional management of your employer-sponsored retirement plan, such as a 401(k), through a trusted third-party platform to ensure compliance. This service is offered for a flat fee and includes the same level of care and attention we give to your other managed accounts. We actively monitor and adjust your investments to align with your overall financial strategy, helping you maximize the potential of your retirement savings.

We believe in full transparency and will provide a detailed breakdown of all fees during our initial consultation. This ensures you have a clear understanding of the costs associated with our services and can make informed decisions about your financial planning needs.

At Powering Your Retirement, we provide more than just financial advice—we deliver specialized expertise and a truly personalized experience. Whether you're navigating the unique benefits of PG&E retirement plans, integrating tax strategies with financial planning, or exploring digital assets responsibly, our team is here to guide you. With expertise as CFPs and EAs, we simplify complex topics to empower you with the confidence to make informed financial decisions.

What sets us apart is our holistic, goal-focused approach. We go beyond investments to address every aspect of your financial life, from cash flow to estate planning, ensuring everything aligns with your unique goals. As fiduciaries, we are always working in your best interest, free from conflicts of interest. We prioritize building strong, ongoing relationships—offering tailored advice, consistent communication, and the peace of mind that comes from having a structured plan.

Together, we’ll create a strategy designed for your life, not someone else’s. Let’s take the stress out of finances and focus on achieving your dreams.

Your investments are held with a trusted third-party custodian, Charles Schwab. A custodian is responsible for safeguarding your assets, providing transparency, and offering easy access to your account information.

You can view your investments anytime by logging into the custodian's secure online portal. Here's how:

1. Get Your Login Credentials: During onboarding, you'll receive login
   information for the custodian's platform. If you haven't set this up yet, I
   can guide you through it.
2. Access Your Account: Is available at Schwab.com
3. Investment Details: Once logged in, you can review your portfolio, track
   performance, and see detailed holdings, transactions, and account
   statements.

Here’s why partnering with Powering Your Retirement could be one of the best financial decisions you make:

We bring tailored expertise to every client. As PG&E retirement specialists, we help employees maximize their benefits, while our CFP and EA credentials ensure seamless integration of financial and tax planning.

Our focus on proven value means we create goal-oriented plans that help you avoid costly mistakes and stay on track toward your dreams, whether it’s early retirement or funding education.

With personalized service and a transparent, fee-based model, we prioritize your success with honest advice and regular communication to keep your plan aligned with your evolving goals.

At Powering Your Retirement, we simplify the complexities of financial planning and provide tools that make managing your wealth easy. Together, we’ll build a future that reflects your priorities and gives you confidence in every step ahead.