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