Frequently Asked Questions
Why Two Palms?
Successful business and personal planning (the “Two” in Two Palms) are all about building resilience for unknown obstacles in the future. With strong roots, a palm can soar 100–200 feet high, swaying but undeterred by the volatile winds.
A well-constructed financial plan also mirrors the effect of a soothing, tranquil palm. Confidence and calm amid uncertainty.
What is a Registered Investment Advisor (RIA)?
An RIA provides advice on investment management and/or financial planning and is compensated for that advice. Broker-dealers and hybrid broker-dealer/RIAs often receive some or all of their compensation from commissions on products sold (e.g., loans, insurance policies, in-house investment funds).
My goal is simple: to provide advice solely based on what’s best for you, no matter which product or solution we use.
What do your credentials mean, and why should they
matter to me?
I hold the Certified Financial Planner™ (CFP®) designation, the Chartered Financial Analyst (CFA®) charter, and an MBA in Finance. Each credential reflects a different area of expertise:
CFP®: Focused on comprehensive financial planning, covering cash flow, retirement planning, tax planning, insurance, and estate planning. It ensures advice is structured around your whole financial picture.
CFA®: Globally recognized as the gold standard for investment analysis and portfolio management. A grueling, multi-year curriculum spanning three levels and covering portfolio management, economics, accounting, financial statement analysis, and ethics among others.
Together, these credentials reflect both breadth and depth: the ability to look at your entire financial life holistically, while also bringing technical investment and business expertise to the table.
Do you only work with clients locally?
No! While many of my clients reside in California, Two Palms Financial is a virtual RIA serving clients across the country.
Do you require a minimum amount of investible assets
to work with you?
No. While I do offer portfolio management and charge based on a percentage of assets managed, I also provide ongoing financial planning that doesn’t require you to invest with me. This service is billed as an annual, fixed fee based on complexity and meeting frequency.
What is a typical Two Palms client meeting?
Our first conversations focus on you: what prompted you to reach out, what money means to you, and what you hope to achieve personally and professionally.
Once we build a comprehensive plan aligned with your goals and values, our future meetings follow a rhythm based on timely, calendar-driven topics, ensuring we address opportunities and deadlines as they arise.
Managing money progress feels overwhelming. How do
you keep track?
That’s where The Lookout Tower comes in. Your one-page snapshot of the most important measures of your personal and professional progress. Full financial plans are robust documents packed with valuable data. The Lookout Tower distills that information into the key metrics that matter most for reaching your goals.
What outcome should I expect when working with you?
Clarity, confidence, and more time for what matters.
You’ve already taken the hardest step of starting the conversation. Together, we’ll create a roadmap that bridges your current reality to your ideal future.
Time is your most precious resource. My mission is to give you back as much of it as possible so you can focus on the personal and professional pursuits that bring you joy.