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Financial Planning

Your financial goals and dreams are at the core of everything we do.

Financial planning is about understanding where you are today, where you want to be, and then creating a plan to get you there.

We listen to you

Your dreams, your goals, your plan

Whatever it is you want out of your life–travel, education, relaxation, security–recognizing your dreams is vital to making a successful plan for your future. Before even discussing numbers, we’ll listen to you, and we’ll help you clarify what you would like to do and where you would like to be in years to come.

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Grandparents and kid looking at photobook together

Ongoing Planning

We help you stay on track

We understand that throughout your life, your dreams may change. Your financial situation may change. As your goals and needs evolve, we’ll revisit your plan and make adjustments to help you stay on track. We’re here for you when you need us.


Tailored to your specific needs and goals

We will work with you to create a personalized, comprehensive financial plan that functions as the backbone of our investment strategy for your future. 

Our financial planning services areas of expertise:

Cash Flow Management

An essential aspect of financial planning is understanding your income sources and cash flow needs for today and for your goals well into the future.

Retirement Planning

Whether retirement is years away or approaching soon, our advisors will help you craft a plan designed to balance your immediate financial concerns with your dreams for the future.

Education Planning

We can help you with a plan by projecting future education costs for your children or grandchildren, then recommend savings and investment options to meet those goals.

Investment Tax Planning

We help you to assess your tax situation in the context of your overall financial plan, and look for ways to help reduce the tax cost of your investments as you work towards your financial goals.

Estate Planning Assistance

Our role is to work as part of your estate planning team. We are focused on protecting your finances and can help prevent important information and procedures from slipping through the cracks.

Risk Management Planning

We’ll determine what financial risks your plan faces and help you identify ways to manage those risks adequately.

Why Capital Advantage?

A Dedicated Team Who Listens to You

We take time to truly listen–to get to know you–and understand your unique financial objectives before developing your individual financial plan.

Excellence in Customer Service

It is vital to our business that you are not only listened to, but feel valued and important after every single interaction you have with us. We’re always just a phone call away.

40+ Years of Expertise

With over 40 years in Lamorinda (Lafayette, Moroaga, Orinda), we have deep roots in our community and seek to become lifetime partners for our clients, their children, and even their grandchildren.

Client Success Story

How we helped a busy professional couple create a plan for retirement success

Nancie and Mark (ages 60 and 62) are high-income earning, busy professionals with jobs they enjoy. Retirement suddenly seems to be a not-so-distant reality, and they’re finally ready to focus on formalizing their future plans, but they don’t know where to start…

Now Is the Time to Make Sure You’re on the Right Path to a Secure Financial Future

Contact us today to schedule a no-cost, no-obligation consultation with one of our advisors.

Frequently Asked Questions


Will you personalize my investment strategy and create a financial plan for my unique needs and goals?

Yes, your unique financial goals are at the core of everything we do.

At Capital Advantage, we take the time to build meaningful personal relationships—the end result being that together, we can develop a financial strategy unique to your life, your family, and your goals.

Our investment strategy is designed to manage and make the most of your wealth in the current economic environment through fundamental research, disciplined valuation techniques, and a long-term focus—and is always motivated by your financial objectives.


What does your new client onboarding process look like? How do I get started?

Our new client process allows us to create a personalized plan that aligns with what’s important to you today and supports your goals for the future.

We start with a no-cost initial consultation; this meeting will give us both a chance to make sure that our expertise is the right fit for your needs. 
Learn more about our new client process so you can know what to expect.


What services are included in your fee?

Our transparent fee includes the management of your investment accounts and ongoing financial planning, which includes these expanded areas of expertise:

  • Retirement Planning
  • Education Planning
  • Estate Plan Guidance
  • Investment Tax Planning
  • Risk Management Planning
  • Charitable Gift Planning
  • Inheritance/Windfall Planning


Do you charge extra for financial planning and retirement planning?

No, both financial planning and retirement planning are included in our investment management fee. A key component of our investment approach is to make sure that we are clear on what your goals are and that you’re clear on how your wealth will be managed.

Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Capital Advantage does not serve as an attorney, accountant, or insurance agent. Capital Advantage does not prepare legal documents or tax returns, nor does it sell insurance products.