Financial Planning & Advice, Investment Management, International Financial Planning
We believe in a long-term, steady, strategic approach to wealth building. We are pleased when clients’ portfolios appropriately track market movements and grow wealth over time, Aiding clients in day-to-day financial planning, we help people to make the most of their financial situations.
We believe your money should grow according to your goals & values — not according to short-term trends.
These types of portfolios — which allow you to make more intentional choices about what companies and industries your funds are invested in — are growing in popularity, especially among “Gen X” and “Gen Y” investors, and we are happy to be able to offer these investment management solutions to our clients. It makes sense to put your money in a Socially Responsible portfolio when it matches your values and you wish to have more impact with your financial choices.
Our philosophy is to invest in a sound and healthy asset allocation that is diversified according to the risk level appropriate for you. We often use a passive investment approach, achieved with index mutual funds and ETFs (Exchange-Traded Funds). This is a low-cost investment strategy, which ensures that a part of the process we can control — your costs — are minimized.
We also offer other investment options, such as Socially Responsible portfolios (which are mixed passive/active), and Dimensional Fund Advisor portfolios, for certain clients whose situations are better to this model of management.
Schwab is the custodian we use for most clients, and we also work with Betterment Institutional when appropriate. Some clients retain their assets at Vanguard and other custodians, as well. In those cases, we manage them through a Power of Attorney/Agent Authorization approach.
Investment Management, International Planning & Advice, Financial Planning & Coaching
APPRECIATE PERSONAL FINANCE (“APF”) is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by APF in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
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