An independent fee-only fiduciary San Francisco based financial advisor (planner) focused on securing and actualizing client financial goals.

Are you confident your investments are positioned for success?

Make sure you’re invested in the right securities in the right types of accounts with suitable asset allocations based on your financial goals and aligned with your risk tolerance.

Have questions about my investment philosophy and its historical performance? Read more

Succinctly put and with some exceptions I believe a globally diversified, passive market-cap weighted, index-based, low cost investment strategy implemented primarily through ETFs with an emphasis on choosing suitable asset allocations for each of your specific goals maximizes the potential for success by controlling the variables that can be controlled and minimizing the risks associated with the variables that cannot be controlled. Custom solutions around existing positions including potential capital gains issues will be made. More information including a table of historical returns will be made available soon via a link here.

We’ll complete your end-of-year tax planning, coordinate your annual taxes directly with your accountant and minimize taxes via year round tax-loss harvesting of your taxable assets.

As a small business owner I provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their current business.

Living and working abroad as an expatriate? Make sure your taxes are being prepared correctly and that your assets are accessible and managed properly back home whether you plan on returning to the states or not.

From property casualty insurance to life, disability and long term care, we’ll make sure you’re properly covered based on your exposure to major risks.

Know how much to save for your children’s education and make sure you’re using the right type of account with suitable investments.

We’ll make sure you’re on track to provide for your retirement.

Make sure you’re taking full advantage your company sponsored employee benefits package with each open enrollment.

If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.

Make sure your assets are disbursed according to your wishes, in the best interest of your beneficiaries and survivors and any estate taxes are minimized or avoided.

Which debt should you be paying off first? How can your expenses be reduced? How much should you contributing towards your retirement versus using to pay down your student debt? We’ll also create an appropriate emergency cash reserve.

We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for each goal.

We’ll develop an asset allocation strategy to meet your financial goals and risk tolerance, provide information on investment vehicles and strategies, review any employee stock options, as well as assist you in establishing your own investment account whether at your current or our recommended custodian(s).

I’ve signed a fiduciary oath to always put my clients interests ahead of mine. This includes my fee-only fee structure which aligns my interests directly with yours.

Rather than being incentivized to provide investments and services from a selection of options that makes the advisor the most money Skylark is, at all times, incentivized to make YOU, the client, the most money. You can rely on my advice to always put your interests ahead of my own.

I do not nor will I ever hold custody of your assets. All of your assets are held by a third-party custodian such as Schwab, TD Ameritrade or Fidelity. Your account statements will be generated independently of Skylark and directly by your custodian(s). Skylark is merely granted a limited power of attorney over your assets to view them and trade on them. Money movement powers are limited solely to Skylark’s clearly invoiced management fee.

Skylark is regulated by FINRA and by the regulators of each state (e.g. California) it does business in.

Where can I find more information? You can find Skylark’s registration with the SEC here, my personal profile here and Skylark’s latest Form ADV Part 2 here. You can also click through each of the listing of the various organizations (including CFP Board, NAPFA, XY Planning Network, Google, Yelp, NestEggZone and FeeOnlyNetwork) I’m associated with for more information. Finally, schedule a complimentary phone or video consultation with me and or ask any questions you may have via the chat or message tools below with no obligation.

While Skylark Wealth is currently based out of San Francisco we serve clients both locally and nationwide including U.S. citizens currently (or those planning on) living abroad (i.e. retirees, digital nomads and those on sabbatical).

We use the latest screen sharing and secure file transfer and storage technologies to serve and help our clients wherever they may be.