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What We Do

We take a relationship-driven approach to helping you manage, save, and invest your money. More importantly, we’ll find out why you’re saving. Together, we will tailor a personal plan that helps you see how every day and dollar you save brings you one step closer to feeling fulfilled in your own happiness, today, and “someday, when you retire.”

Our Approach


Earning Your Trust

Our approach to financial planning is simple: treat each client like family. As your advisor, we’ll give you the attention and respect you deserve. We’ll take the time to listen, focus on the details, answer your questions, and work with you each step of the way.

Charting Your Course

We believe your journey to financial independence starts with understanding where you are, and where you’re headed. We’ll spend time learning why you’re saving and investing. We’ll evaluate your income, investments, and any debt you may have. We’ll provide advice in plain language. Finally, we’ll create a plan you can follow.

Navigating the Obstacles

Life happens and circumstances are bound to change. As opportunities emerge and challenges arise, we’ll adapt your plan accordingly. We’ll coordinate with your other professionals — such as your attorney, accountant, and mortgage broker — so your plan is as complete as possible and carried out effectively. We will work with your existing professionals or provide referrals to those we work with regularly.


Guiding Your Financial Journey

Living a long life brings additional challenges. As you approach your golden years, we’ll work with you to coordinate your finances and lifestyle changes and guide your family members on how to best help you live your life with dignity. To get started, we’ll have a family meeting to introduce ourselves, so your team is ready when you need us. We’ll spend time together listening to your wishes and expectations, so we all know what direction to take when the time comes.


To get started on your journey, send us an email or call 925-225-1135 to make a personal appointment.

Not all services will be appropriate or necessary for all clients, and the potential value and benefit of the adviser’s services will vary based upon the client’s individual investment, financial, and tax circumstances. Personalized or specialized services should not be construed as a guarantee of client satisfaction or any particular outcome. Comprehensive or holistic financial planning indicates that financial planning will be informed by the material financial and investment circumstances of the client, as communicated by the client to the adviser, but may not consider literally all aspects of a client’s financial affairs. Past performance does not guarantee future results. All investing comes with risk, including risk of loss.

Cents & Sensibility, Inc., is neither a law firm nor an accounting firm and does not provide accounting or legal advice. Please contact your accountant or attorney for advice pertinent to your personal situation.