Planning for You

Are you a Planner Client
or an Investor Client?

We look forward to discussing the ways we work with our clients to help you determine how we can best address your needs.

Planner Client

Goals:

Planner Clients are ready to clarify, simplify, and organize their financial life. They see the value in partnering with experienced Advisors to take a holistic approach to defining goals, analyzing options, making informed decisions, and implementing strategies to achieve their financial goals.

Planner Clients want to address their questions, reduce financial worries, and decrease complexity so that they can focus on what matters most in life.

Planner Clients partner with us on an ongoing basis to stay informed, access expertise, and make adjustments as changes in finance, laws, and life occur.

Services:

Planner Clients design and implement an integrated financial plan covering selected aspects of their financial life, which can include:

  • Building, protecting and distributing wealth
  • Portfolio construction
  • Asset allocation
  • Estate planning
  • Life insurance
  • College funding
  • Retirement planning
  • Executive compensation

Planner Clients partner with us, initially and over time, to manage and maintain their financial plan through ongoing communication and collaboration that reflects changes in their life, planning strategies, the laws and the investment markets.

Investor Client

Goals:

Investor Clients seek professional knowledge, expertise and support to align their investment strategy with their financial goals.

Investor Clients see the value in partnering with experienced Advisors to design, implement, and manage an investment that allows them to stay invested whether the market is up or down.

Investor Clients view professional management as a way to accomplish investment objectives while freeing up valued personal time.

Services:

Investor Clients design and implement an investment strategy appropriate to their situation, risk tolerance and goals.

Investor clients receive ongoing investment guidance and service, which can include:

  • Investment goals
  • Risk tolerance
  • Investment strategy
  • Investment research
  • Investment analysis
  • Investment selection

Investor Clients experience support and communication as it relates to investment management.

Important to this process is a qualitative discussion regarding client risk parameters. We follow a regular cycle to implement and monitor client investments.

Retirement Readiness

“It’s true that money is not the most important thing in life.
But money does affect everything that is important.”

– Robert Kiyosaki

One of the most common questions we get from client is “How will we know when we’re ready to retire?” We’ve put together a list to help clients identify what they need to think about so they are comfortable making the transition.

To find out how ready you are to retire, see how many of the following you can say “Yes” to.

1. I know and have openly discussed when I would like to retire and what that looks like for me.

2. I have identified the top 3 priorities I’d like to focus on in the first 3 years of retirement.

3. My values are aligned with my spending habits and where I devote my time.

4. I have a financial plan in place that takes into consideration my retirement income needs, inflation, budgeting, spending, a longer life and future expenses.

5. I can easily see if I’m on track toward my goals and have help if adjustments need to be made to the plan.

6. I am comfortable with the risk level associated with my investments, and I evaluate my tolerance annually.

7. My financial life is consolidated, organized and disclosed to trusted sources.

8. I have thought about the amount of money I would like to leave behind to my heirs and/or charities.

9. I have a Power of Attorney and Will that are up to date.

10. I have an emergency fund for unexpected life events.

11. I understand how taxes will impact my retirement income and spending.

12. I understand my Social Security benefits and when to start taking them.

13. I understand my Medicare benefits and how to maximize them.

14. I have calculated my projected medical care and/or long term care costs.

15. I have identified the activities I will find fulfilling in retirement and can access them.

16. I am ready for this next chapter of my life.

To find out if you're properly preparing for retirement call us today!

 

Beginning a Financial Advisor Relationship

Beginning a relationship with a financial advisor can be an intimidating thing.
Download our practical tips about getting the most out of your advisor relationship.

Be a Well Prepared Client

How to get the most value out of your advisor relationship

Here are some practical tips to consider as you begin your new relationship with me as your financial advisor.

Practical questions to ask:

1. What services do you provide?

2. What can I expect from you?

3. How often will we meet?

4. When will you contact me?

5. How are you compensated?

6. How often do we review my portfolio and its performance?

7. How often do we review the progress toward achieving my goals?

The financial advisor-client relationship can be similar to the doctor-patient relationship. Success in both is based on mutual respect, honesty, and trust.

Before we meet, think carefully about the nature of the discussion and what you wish to accomplish. Prepare any questions you have in advance. During the meeting, take notes and ask questions until you are comfortable with a concept or suggestion. However, don't feel compelled to reach decisions right away. I encourage you to discuss your questions and concerns with me before making a decision.

Remember, my job is to look out for your best interests and help you achieve your financial goals. Establishing a mutually open, honest relationship is an important step in realizing those goals.

When To Contact Us

You'd be surprised how often clients experience a financial, personal, or life change and don't think to contact their financial advisor. It's a good idea to get in touch, especially before big financial decisions or in situations like these:

Personal or life changes, such as:

  • Marriage
  • Divorce
  • Birth or death in the family
  • Lawsuit
  • Major illness

Financial changes:

  • Inheritance
  • Significant debt repayment that may free up cash
  • Work-related bonus or stock options
  • Buying or selling a primary residence, vacation or rental property
  • Other major purchase

Business changes:

  • Purchase or sale of a business
  • Other business related or large-flow expense
  • Adding or updating employee benefits
  • Business Succession

Estate planning issues:

  • Long-term care insurance
  • Asset transfer
  • Generational planning
  • Estate taxes
  • Charitable giving
  • Creating or updating Trust
 

Our Team

Anthony Headshot

Anthony Cipolla

Financial Adviser

anthony@cipollafis.com

About Anthony

Anthony Headshot

Noah Beecher

Associate Financial Adviser

noah@cipollafis.com

About Noah

Anthony Headshot

Gina Mayclin

Client Service Coordinator

gina@cipollafis.com

About Gina

 

Contact Us

50 Santa Rosa Avenue, Suite 110
Santa Rosa, CA 95404
Phone: (707) 341-4014
Fax: (707) 528-9234

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Anthony Cipolla

Financial Adviser

As your financial Adviser, Anthony will manage the financial planning process for you, helping you to identify your goals and working with you to implement a series of strategies to realize your vision for the future.

Anthony was named Young Professional of the Year in 2012 by the Santa Rosa Young Professional's Network and was one of the Northbay Business Journal's Top Forty Under Forty Professionals for 2013. In addition, he has earened numerous industry and community achievements, including Court of the Million Dollar Dollar Table* and NAIFA's National Quality Award.

He earned his Bachelor's Degree in Business with an emphasis in Finance and Economics from Sonoma State University.

Currently, Anthony serves on the Healdsburg Hospital District Finance Committee, Leadership Santa Rosa Alumni Association Board of Director's and is a member of the Santa Rosa Chamber of Commerce and NAIFA.

Anthony and his wife, Nicole, live in Windsor with their daughters Mia and Valentina.

*MDRT is recognized throughout the industry as the standard of excellence in life insurance sales performance.

 
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Noah Beecher

Associate Financial Adviser

Noah is our case analyst and planning assistant.

Noah will be your point person as you gather information during the planning process and to answer questions about your Personal Financial Website. Because having the most up-to-date and complete financial picture is crucial to the financial planning process, Noah coordinates with our clients to make sure we have all of their appropriate data. He works closely with Anthony in designing your plan.

Noah and his family (wife Tifani and three daughters) live in Santa Rosa.

 
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Gina Mayclin

Client Service Coordinator

Gina is the first person you should call if you have any questions about your financial planning process or your accounts. She ensures that our clients receive the best possible services - and keeps the office running smoothly.