I am a self-employed, independent CFP® practitioner who helps individuals, couples, and small business owners articulate and prioritize their financial goals. I then provide actionable strategies and recommendations to help achieve these goals. Topics addressed during the financial planning process typically include wealth accumulation, retirement planning, investment recommendations and management, cash flow analysis, protection planning (insurance needs), income tax planning, estate planning, and college funding strategies. Prior to entering the financial planning profession, I was a certificated high school teacher and also a computer programmer analyst for several years. I truly enjoy working in my present career as a financial advisor and appreciate daily the opportunity to help my clients pursue their financial goals. I have taught numerous financial planning courses and seminars in my community at various venues, including Cal Poly State University San Luis Obispo - Office of Extended Education, the San Luis Coastal Unified School District Adult School, and the San Luis Obispo City-County Library. I try to inform and educate my clients continually at every meeting and opportunity. I complete a minimum of 25 hours each year of continuing education coursework to maintain my various securities registrations, CA state insurance license, and CFP® certification. My compensation consists of a combination of commissions, fee only (based upon assets under management), and an hourly rate (for time and services provided). I would be honored to be of service to you.