Cali Pearl Services

Cali Pearl understands that you want to see your finances integrated with your life goals. You expect your Lead Advisor to completely understand your financial world before they provide you with a plan, coaching, and/or advice. To do this, Cali Pearl aggregates all statements and account information, and has a firm grasp of your total balance sheet -- assets and liabilities. Cali Pearl gathers and integrates information not only across your other investment advisors, but also among your CPA, estate planning attorney and even business advisor. Cali Pearl works to make the process as easy and stress-free as possible.

Financial Consulting

Hourly consulting is offered on an as-needed basis to you if you need advice on various financial issues but do not wish to have an on-going agreement. This service can include any area of your financial affairs where you believe you need advice. Agreements can be styled to be as short as a two-hour meeting or several hours if you are focused on a particular project such as a college plan or estate plan recommendations.

All advisory services are offered on a fee-only basis which means Cali Pearl does not sell financial products for commission. Please see the Cali Pearl Fee Disclosure for more information.

Following is a representative list of advisory services offered by Cali Pearl:

Full Service Model

Cali Pearl gathers client information, tracks changes in their situations, and focuses on comprehensive financial planning. A written financial plan is a guide to achieving financial success. Consider it a blueprint for building the house in which your finances will reside. Your plan will cover all relevant areas related to your financial affairs such as net worth, retirement, insurance, asset allocation, education funding, debt reduction, estate planning, as well as a host of others. Plans can be comprehensive or targeted to specific areas depending upon your needs.

Hybrid Approach

As a Lead Advisor, Cali Pearl can manage asset allocation, re-balance and satisfy clients' liquidity needs - while other professionals focus on issues like risk management, financial planning, and tax optimization. Or, as Lead Advisor, the client can outsource the asset allocation and contract Cali Pearl to focus exclusively on relationship  and team management which includes a thorough understanding of client fears and goals, to navigating family dynamics and providing education and resources on a broad array of financial and investment topics.

Cali Pearl Fee Disclosure

There is typically no charge for the first client meeting but based on client's expected results a fee may be necessary. Fees are based solely on services provided, either as a fixed quote or on an hourly basis at a minimum rate of $250 per hour.  Subsequent investment reviews and other services following an initial engagement will be negotiated at a fixed fee.  No compensation is received from any party as a result of possible referrals.

Fees for comprehensive financial plans are typically $2,000 and up, depending on complexity, skills required and responsibility involved.  Help in re-balancing portfolios can be provided at a fixed hourly rate on a quarterly, semi-annual or annual basis.

Cali Pearl's main objective is to help clients become financially literate and  empowered when faced with making money, financial and/or investment decisions. Fees are based on the time and effort required to provide clients with first rate service.