planning spotlight

Tapping Into Retirement Accounts Earlier Than Anticipated The economic downturn and persistent high unemployment have led to an alarming, though perhaps inevitable, rise of people tapping into retirement funds before intended. During the second quarter, 62,000 of the 11 million workers using 401(k) plans provided through Fidelity began the process of taking out a hardship withdrawal, up from 45,000 during the first quarter...
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about our company

Planning Perspectives - developing financial plans that foster clients' dreams

Planning Perspectives provides affordable, independent financial planning advice to the people of the San Francisco Bay Area. Utilizing an hourly fee model, clients come to us for solutions to fundamental financial needs, such as saving for retirement, purchasing a new home, funding a child's education, or a multitude of other financial goals.

We understand trust is not something that can be established in a day. Therefore we build a solid foundation of trust from the start by establishing open communication and meeting commitments to our clients. In addition, we reinforce that foundation by taking on a fiduciary responsibility. As fiduciaries, integrity steers our advice and recommendations; we always put the best interest of the client first. Because of this, we have also adopted a fee-only approach for our advisory services, ensuring the removal of any conflicts of interest that may arise from alternative forms of compensation.

Planning Perspectives team members are members of well-respected financial planning organizations like the National Association of Personal Financial Advisors (NAPFA) and the Financial Planning Association (FPA). In addition our financial planners are regular voluteers for programs that offer free financial advice to those who need it, such as Kiplinger Magazine's "Jumpstart Your Retirement" Hotline and the NAPFA Education Foundation's Money Bus.

Meet our team

Our advantages

We know prospective clients have a wide variety of choices when seeking financial advice. Collectively we feel the following values, standards and business practices clearly differentiate us from our competition:

Fee-onlyNo commissions or kickbacks are received from any recommendations made thereby insuring the elimination of any potential conflicts of interest.

IndependentNo compulsory affiliations gives us the ability to provide the greatest choices and thereby yielding the best solutions.

AffordableBecause we are cost consciousness in all aspects of our business, our fees have been structured to be extremely cost competitive.

AccessibleOur clients have 24/7 access to Planning Perspectives staff.

Flexible business hoursWe maintain an accommodative calendar to meet our client’s schedule and needs.

CompetenceOur Advisors are highly educated, credentialed and carry a broad base of financial experience.

IntegrityOur client’s interest is ALWAYS put first.

TrustworthyWe have and always will maintain a spotless disciplinary record.

Distinctive strategiesThe advice provided is as unique and individualized as our service.

CollaborationA team of uniquely experienced professionals is assembled, of which the client is a vital member, to develop optimal solutions that meet our client’s needs.