ThinkPlanSave | Financial Planning
Financial Planning, San Francisco Bay Area, Fee-Only
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ThinkPlanSave Financial Planning

Get your financial house in order and keep it that way!


Enjoy a better financial planning experience:


Fee-Only Financial Planning and Asset management


Unbiased Fiduciary Advice


One Honest Flat Fee

Costs Matter

Keep investment fees low

Keep it Simple

Avoid unnecessary complexity

Index Investing

Capture the return provided by the market. Buy, Hold, and Rebalance

Stay the course

Avoid psychological mistakes such as market timing and chasing past performance

Real Financial Planning

Planning and behavior are the keys to long term success. Create a plan and stick to it.

Ignore the Noise

Focus on variables that you can control

 Step 1: Develop a Comprehensive Financial Plan




Step 2: We Help You Stay On-Track and Be Accountable


Ongoing Planning for $150/month




Asset Management for $6,000/year maximum per client relationship



Ready to Become another Success Story?


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Here is a short list of the most common financial mistakes that I see people make.  If you can avoid most of these, most of the time, you will be on a great path to building wealth and financial well-being. Overspending This one is obvious.  If you spend more than you earn, you will eventually start building up debt, and......

If you have just started your first job or a new job that offers a 401k, now is the time to kick-start your savings. It’s actually best to save in both your 401k and a Roth IRA, and here are the reasons why. The 401k Regular 401k contributions are before tax, both federal and state.  This means that you will......

If you’re a parent or grandparent wondering where to put cash gifts for your kids or grandkids, read on! In this post I’m going to talk about the most common types of accounts used for saving for kids. 529 Plans When many people think of saving for a child, the first thing that comes to mind is the high cost......

In this post I’m going to talk about some of the most common cases where I usually suggest that my clients seek the guidance of a qualified CPA to prepare their taxes. You Recently Sold a Residence Your taxes for the year in which you sell a residence will be more complex than usual.  Although most people are aware that......

Every year people from all over the country and the world, travel to Omaha to attend the annual Berkshire Hathaway shareholder’s meeting.   In this post I’m going to share some of what I learned.  Here are my best tips if you’re thinking of going. Make Your Plans Far in Advance The shareholder meeting always takes place the weekend before Mother’s......

Maybe you’re thinking about investing with a robo-advisor or are even using one already.   While the idea in principle sounds good, there are some important risks to think about if you’re considering using an online robo-advisor platform.  In this post I’m going to talk about where robo-advice falls short. 1 – No Real Financial Planning During the signup process, nearly......

If you have been working with an advisor for some time, you have probably become used to the high fees and conflicts of interest without even realizing it. In this post, I’m going to talk about bad advisor behavior to watch out for. 1 – High Fees If your current advisor is charging based on a percentage of your assets......

Over time, financial complexity begins to enter our lives.  I always encourage clients to simplify their finances as much as possible, because simplifying your financial life will make your life better in the long run.  In this post I’m going to tell you why financial simplicity is important. How can you stay focused on your plans and make good decisions......

When I was making my decision to buy my 1999 Volvo V70 wagon 15 years ago, safety was the most important consideration.  I keep driving it today because it is the ultimate in durability, utility, and most importantly, cheapness.  In this post I’m going to tell you how this has helped me to achieve financial freedom. Keeping a car for......

I recently had a new client contact me after they found me online.  The couple was considering leaving their current financial advisor because they felt that their advisor could no longer justify the relatively high fees he was charging.  In this post I’m going to explain what I discovered and how I helped them to clean up the mess. The......

If you’re fortunate enough to have a retirement plan through your employer managed by TIAA, your plan will have access to the TIAA Traditional Annuity option.  This is a unique guaranteed investment option only available from TIAA. Client interest in this guaranteed option is on the rise as the yields on short term bond funds have gone down to practically......

Ready to become another success story?