Fiat Lux Financial Planning Seeks To Illuminate The Path For Those Who Seek A Brighter Future, Wherever They Are On Their Financial Journey.
Get In TouchWhat We Do
Drawing on over twenty years of financial planning, business and real estate ownership experience, Fiat Lux Financial Planning provides financial planning, asset management and advisor and firm consulting services.
Asset accumulation strategy
Asset spend down strategy
Analysis of investment real estate: income, liquidity events, use of home equity
Downsizing or relocating analysis
Reverse mortgage analysis
Analysis and recommendations Restricted Stock Units (RSU)
Non-qualified Stock Options (NSO)
Incentive Stock Options (ISO)
Employee Stock Purchase Plans (ESPP)
83b elections
Deferred compensation plans
Equity compensation planning
Benefit elections for life insurance, disability insurance, and other benefits
401k and qualified plans- savings, roll over analysis, asset allocation
Investment property cash flow and/or purchase or sale analysis
Second home purchase analysis
Relocation, downsizing or upsizing analysis
Asset allocation and asset location advice
Concentrated stock strategies
Portfolio and account reviews
Charitable giving strategies
Savings strategies for education
Roth v. Traditional savings strategies, 401k savings strategies, portfolio asset location
Charitable giving strategies
Analysis about the implications of income changes, major purchases, capital gains, etc
Review of current documents and beneficiaries
Referrals to estate planning attorneys
Special needs planning analysis
Charitable donations and strategy
Savings strategies and recommendations
Cash reserve analysis
Major purchases or income change analysis
Life insurance needs and recommendations
Review of current insurance policies
Disability and long-term care analysis and recommendations
Property and casualty insurance reviews
Founder
Kate Wilusz’s career in and passion for financial planning began in 2004. Over the course of two decades, Kate established a highly regarded financial advisory firm. She earned numerous accolades, including selections by Forbes and Barron’s as a top financial advisor both in-state and nationally. Kate emerged as a prominent figure in the Bay Area financial planning community, serving in leadership positions for the Financial Planning Association, UC Berkeley Extension’s Financial Planning Program and various pro bono efforts.
Kate’s expertise includes retirement planning, insurance analysis, employee benefits, tax strategies, education and estate planning. She also has extensive experience in portfolio management, equity compensation, executive benefits, investment real estate and small business topics. Kate’s life goal is to expand the reach and quality of financial planning to the next generation of clients and planners. Fiat Lux provides consulting service to local financial planners and firms.
Outside of work, Kate enjoys exploring redwood forests and coastal trails, traveling the globe, and adventures in her 1972 VW bus. She is fortunate to call both Sonoma County and San Francisco home. Kate is a proud graduate of Ursuline High School and a California Golden Bear.
After our initial discussion about your situation, Kate will assess compatibility and determine the most suitable level of service. She will then present the costs and outline the details of the proposed service engagement. For individual clients, most engagements involve a series of meetings to collect and analyze data, present a financial plan and take action to implement that advice, and then to present analysis and recommendations.
What It Cost
Topics covered in a comprehensive financial plan include cash flow analysis, education and major purchase planning, retirement planning, insurance analysis, and estate planning. Fees start at $6,000.
Coaching and consulting services to support practice growth and scalable, differentiated planning practices. Contact us for pricing.
This is an "advice only" engagement. Bring your questions, account statements and relevant documents to a one-hour Zoom meeting. The meeting will cover action items, areas of concern, confirmation of what is going well and answers to your specific questions. A brief meeting summary and bullet-point list of action items will be provided after the meeting. The fee for this service is $1,500.