What We Do

Fiat Lux Financial Planning provides financial planning on an hourly, project, or flat fee basis. Located in the San Francisco Bay Area, the firm serves clients in California. Work with out of state or country clients will be considered and needs to align with regulatory requirements.

Examples of financial planning topic areas are detailed below.

What We Don't Do

Fiat Lux does not manage assets, sell products, or create legal documents. Clients implement recommendations on their own with our guidance.

There is no minimum client net worth or investment account value.

Retirement Planning

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

Equity Compensation

Analysis and recommendations
Restricted Stock Units (RSU)

Non-qualified Stock Options (NSO)

Incentive Stock Options (ISO)

Employee Stock Purchase Plans (ESPP)

83b elections

Executive Compensation and Employee Benefits

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

Real Estate

Investment property cash flow and/or purchase or sale analysis

Second home purchase analysis

Relocation, downsizing or upsizing analysis

Investment Advice

Asset allocation and asset location advice

Concentrated stock strategies

Portfolio and account reviews

Charitable giving strategies

Savings strategies for education

Risk Management

Life insurance needs and recommendations

Review of current insurance policies

Disability and long-term care analysis and recommendations

Property and casualty insurance reviews

Tax Planning

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

Estate Planning

Review of current documents and beneficiaries

Referrals to estate planning attorneys

Special needs planning analysis

Charitable donations and strategy

Cash Flow Analysis

Savings strategies and recommendations

Cash reserve analysis

Major purchases or income change analysis