Our focus, to get you to, and through, retirement

We strive to serve our clients during the financial planning process through deep and meaningful relationships that last for generations.

Get to know Larry How we will work together

We are open virtually (email, phone and/or GoToMeeting), as well as in-office with precautions to respect the health of everyone until there is more virus certainty, while still providing important planning and advisory services for you. Please see "Contact" page to schedule a meeting or reach out with any questions you may have. [Placer County Business Checklist]  [Placer County News Updates] [Office Workspaces Notice & Guidance]

 

Welcome to Better Financial Education

You, the client, are empowered to make decisions. Most people have a general idea of what they want to accomplish but don't know how to connect those ideas, goals and wishes with their personal finances to get there. You have real world goals and desires which have financial ramifications.

You're in charge ... I work in the background with you to guide you with how the pros and cons of choices may affect your decisions.

Some clients want guidance and then want to do the rest on their own. Others want both guidance, and assistance, to be sure more is done behind the scenes automatically for them and their investments earmarked for their goals and desires ... most importantly, for retirement. The choice is always yours; I help you decide and can work with, and for, you.

Do I work as a Fiduciary with you (please click here to see my signed oath)? Yes! And, I am a Fee-ONLY adviser (NAPFA Mission, Fiduciary Oath & Code of Ethics). Fiduciary 101. You may read about my Credentials, Registrations and More here, that are important to better serve you.


Tell me and I forget. Teach me and I remember. Involve me and I learn. - Benjamin Franklin
 

I invite you to explore the tabs and their corresponding brief descriptions of how I may be of help to you and your financial plans and investing. Please come inside, to learn more how I may work for you, by visiting the various navigation tabs above and their links that may be of interest you. 

Here's my Customer Relationship Summary (CRS) ADV Part 3 What is this?

Fees and Conflicts of Interest are discussed and expanded further in ADV Part 2 Items 4 & 5

More information may be found via the Disclosure link at the bottom of the page.

 

Who I Work With

Who, and how, I work with you

Videos

Knowledge Center Videos.

My Published Papers

A thought leader in the profession with numerous peer-reviewed research papers.

Blog

Read our latest blog posts for up-to-date information on news, events and articles.