Annette, the firm's founder and CEO, brings over 30 years of cumulative accounting, tax, financial planning & investing experience & holds two of the top three financial designations: CPA & CFP®.
This unique combination of education & expertise gives her a superior & expert perspective in the financial industry to guide clients for effective tax efficiency & planning. With expertise in financial planning, tax planning & investment management, creating an efficient coalition between all aspects of client's financial lives.
We are a 100% fiduciary adhering to the highest standard of a CPA. A fiduciary is someone who is legally and ethically bound to act in your best interest. Fiduciaries do not receive compensation from third parties, all compensation comes directly from clients. Not to be confused with a suitability standard, which is the standard fee based brokers adhere to. This suitability standard does not require the advisor to put the client's needs first but who's duty of loyalty is to the brokerage firm the advisor works for. Fee based brokers are compensated by third parties on mutual funds, annuities and other commissioned products.
We do not receive any commissions. As a "Fee Only" Independent Registered Investment Advisor firm, all our compensation comes directly from the client. We have no affiliation with any broker, insurance, annuity or fund company. Not to be confused with "Fee Based" who may charge a fee on some accounts and receive commissions from brokers, fund and insurance companies on other accounts. As a fee only advisor, there are no hidden fees, no third party bonuses or compensation, no sales of any kind of any financial or insurance products. Further, we do not use mutual funds which have inherent hidden internal and non published fees. Our in house portfolio construction allows us to be unbiased in selecting investments, thus creating high quality, low fee, conflict free and fully transparent portfolios.
We are proud to announce that Annette has won the Five Star Wealth Manager Award four years in a row, 2019-2022!
This prestigious award was given to 6% of only 2,482 Orange County Financial Advisors considered in 2022.
