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Katy Song Financial Planning

“Raised in Rye, New York, I moved to California in 1993 to attend the University of California, Santa Cruz (Go Banana Slugs!). After graduating in 1997 with a B.A. in Global Economics, honors in my major and Phi Beta Kappa, I worked for the U.S. Depar...”

FAQs

How do we pay for everyday living and save for the long-term?

Cash flow is king. You need to know what is coming in after taxes and going out the door. This is how you can figure out how much you can afford to save. Knowing your cash flow can be a big motivator in asking for a raise, looking for a better paying job and making changes to spending so that you can save more. Saving for the long-term also needs to be a specific goal. You need a target and to know your time horizon for that goal. By being specific, you are more likely to achieve your goal.

What kind of house can we really afford?

There tends to be a big difference between what a lender with lend you and how much house you can actual afford. By looking at your historic spending and projected spending, we can assess how much house you could afford based on your lifestyle. No one wants to feel house poor. Knowing your price range helps tremendously during the house hunt so that you do not fall in love with something you cannot afford or sacrifice a must have because you think you cannot afford it. Buying a house is likely your largest purchase in life. Knowing how much house you can afford will help you make the right financial decision for you and avoid FOMO.

What are the best ways to save for college?

The IRS created 529 plans to encourage savings for college by offering tax-free growth as long as the funds are used for qualified education expenses. These plans have also been expanded so that you can use some funds each year to pay for private primary and secondary school. Depending on your financial situation, you may want to consider other ways to save for education. For example, if you are behind on retirement savings, it is better to focus your savings on qualified retirement savings first. This money can also be used to pay for qualified college expenses without penalty.

How can we get out of debt?

Debt tends to result from living beyond your means. Getting out of debt requires both a plan for dealing with current money owed and improving cash flow.

More information can also be found on the FAQ page of our website.

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Diamond Oak Wealth Partners - James Bassett

(5)

Business Planning, Portfolio Management, Investment Strategies

“I have been working with James for over 5 years now, and I can honestly say that he has made a significant positive impact on our financial life and is always looking for ways to help us continue to achieve our goals as i life has changed over the ye...”

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Terry Allen CFP - Financial Advisor

(1)

Plan Confidently, Clients Like You, Wealth Management

“Good listener, compassionate, very knowledgable.”

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Progressive Asset Management

Sri/Esg

“Progressive Asset Management is a national, independent financial advisor network dedicated to building strong, enduring relationships with the individuals and organizations we serve. Our knowledgeable and certified advisors assist clients in working...”

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Prosperity Financial Group

Investment Solutions, Employee Services

“We're committed to maximizing your wealth within the constraints of your values and your life goals. Our asset management team of qualified and experienced experts is dedicated to building a positive, long-term relationship with you.”

Featured

We'll help you evaluate whether your 401(k) plan is compliant and competitive in the following areas: ✅ Investment menu ✅ Plan design ✅ Fund fees ✅ Administrative & advisory costs ✅ Employee participation rates ✅ Please fill out the form below if you would like a complimentary 401(k) plan audit. Receive a Complimentary 401(k) Benchmark! Save your 401(k) plan from unnecessary costs and fees. We'll benchmark your 401(k) plan at no cost to you. At Prosperity, we'll take care of your investment, retirement, and wealth management strategies so you can show up as the best version of yourself to your work and personal relationships. Schedule a Complimentary Consultation Today 👉...

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Veraz Insurance Solutions

(11)

Retirement
Interview
Fiduciary

“When we first met with them as part the interview process, I was a year or two away from retirement and most of our assets were tied up in a pension and 401k and would not be otherwise investible until after I retired.”

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Certified Planners

“We use a holistic approach to help you put your financial house in order. Our financial planning process is comprehensive andinvolves determining your lifestyle goals and objectives, identifying gaps, and making recommendations to pool your resources...”

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Three Bridge Wealth Advisors

“We strive to transcend our fiduciary role and become truly trusted counsel to first-generation, financially successful individuals and families so they achieve what is most important to them with the highest degree of certainty. Our Craft”

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Arta Finance

“Artificial Intelligence (AI) is taking the world by storm this year, thanks to applications like OpenAI's ChatGPT. But AI's potential to change our lives extends far beyond Large Language Models (LLM) and chatbots. Rapid advances in AI have made it p...”

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THE Independent Advisors: Stephen Mantzouris

“Stephen Mantzouris, California License #0C50600 is a dedicated and focused financial advisor and insurance professional who offers possible solutions and has been developing retirement strategies that help his clients feel good about their future. Mo...”

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Samson Chan, CFP - Peak360 Wealth Management

Retirement, Insurance, Investment

““Today, there is a dizzying array of investment options available. It's vital that clients receive the education they need to uncover the opportunities that are right for them. So my job is to serve as a trusted and experienced guide for my clients. ...”

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Pacific Excel Wealth Advisors

“In this ever-changing world, our mission is to simplify our clients' lives and guide them, on this journey we call financial freedom. Our vision is to create meaningful long-term relationships, which we build not only to be a lifelong endeavor, but a...”

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Ambrose Financial and Insurance Services

“You've probably been planning for retirement in some way, shape, or form for many years. Maybe you participate in your company's 401(k) plan or set aside money in a traditional or Roth IRA. Maybe your employer offers a pension plan. All of those are ...”

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Garner Financial Management

“We offer personalized services and a tailored process designed to help us address each of your financial concerns in a logical, thorough manner. We understand your needs change, but by working with an experienced team dedicated to keeping you and you...”

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Miller Avenue Advisors

“We offer a highly personalized wealth management service. While you are the CEO of your life, we serve as your personal CFO, guiding you through the continuously shifting financial landscape. You've worked hard for your wealth, we'll make sure it's t...”

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Leo Coppeta - Investment Advisor LPL Financial

“I am in the business of helping my clients pursue all their financial challenges. I do this by using a total wealth management approach. Each area is important individually, but managing them all collectively is one of the most important consideratio...”

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Terra Blue Wealth Management

Cash Management

“Our team deeply believes that helping people shift their perspective from a "you OR me" world to a "you AND me" world is in all our best interest. We're committed to integrating Environmental, Social, and Governance (ESG) factors into investment anal...”

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Blue Dot Wealth Management

“Did you know that over 10 percent of children may have some sort of special needs or unique circumstances? We are passionate and prepared to advise families with special needs. Our team is dedicated to providing personalized guidance and support tail...”

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Prosperity Circles

“When I joined one of Linda's visioning and planning workshop, my focus was to explore new avenues of doing business and learn from the experiences/obstacles of other business owners. To my surprise, it wasn't my mindset in business that lacked the dr...”

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Austin Creek Capital

“James and Nicole are recently engaged and moved in together. They both earn high salaries, but haven't had a financial plan in place. They want to purchase a home and start a family in the next 5 years, while still being able to take their annual vac...”

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Waypoint Wealth Partners

“It's a confusing world out there. Good info, bad info, brilliant insights, hidden details. Together we'll clarify your goals, vision, values and what's really important to you so we can filter through the noise and help you make smart financial decis...”

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Teodoro Wealth Management

“We can help take the mystery out of preparing for today and tomorrow. Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.”

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Freedom Capital Management

“June 11, 2023 One would think economic news would slow down after getting past last week's debt limit deal that cut borrowing by $1.5 trillion. But this week we will be hearing more important economic numbers beginning on Tuesday. This week's reports...”

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Peak360 Wealth Management

“The Peak360 Wealth Management team is built of individuals who have worked together for years, placing a premium on personal relationships with our clients, and believing best practices should be coupled with progressive approaches for a modern finan...”

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Average Cost	$3246
Minimum cost	$1082
Maximum cost	$9196
Avg Per Hour Rates	$325

Best Financial Advisors in Castro Valley, CA

The highest-rated Financial Planning & Wealth Management companies out of 112 vetted & reviewed in the Castro Valley area.

Katy Song Financial Planning

Diamond Oak Wealth Partners - James Bassett

Terry Allen CFP - Financial Advisor

Progressive Asset Management

Prosperity Financial Group

Veraz Insurance Solutions

Certified Planners

Three Bridge Wealth Advisors

Arta Finance

THE Independent Advisors: Stephen Mantzouris

Samson Chan, CFP - Peak360 Wealth Management

Pacific Excel Wealth Advisors

Ambrose Financial and Insurance Services

Garner Financial Management

Miller Avenue Advisors

Leo Coppeta - Investment Advisor LPL Financial

Terra Blue Wealth Management

Blue Dot Wealth Management

Prosperity Circles

Austin Creek Capital

Waypoint Wealth Partners

Teodoro Wealth Management

Freedom Capital Management

Peak360 Wealth Management

Retirement Planning and Investment Management Services in Castro Valley, CA Cost Estimates

Why these companies made our list

Wealth Management Advisors near Castro Valley

Popular in Castro Valley