Our service philosophy

Achieving your financial goals requires a clear, comprehensive strategy. We'll partner with you to create a personalized financial plan and guide you through every step of its implementation.

All new clients work with us on a short-term (6 month) basis where we develop, deliver and implement a comprehensive financial plan.

Once the initial agreement has reached its conclusion, there are multiple ways to proceed. Some clients choose to take their plan and apply what they’ve learned themselves while others choose to establish an ongoing relationship with us as their trusted advisor.

Our financial planning approach

What we cover

We will focus your plan on the areas that matter most to you. For most clients, this includes the following:

  • Investment advice and management

  • Retirement and estate planning

  • Planning for business owners

  • Cash flow analysis and budgeting

  • Tax planning

  • Benefits and insurance analysis

  • Debt prioritization

  • Education and Family Planning

What we discuss

Our onboarding process consists of four meetings where we dive progressively deeper into your financial situation and goals.

  • Financial Snapshot: Create a complete picture of your assets and liabilities.

  • Income & Expenses: Understand your cash flow.

  • Goal Setting: Define your financial aspirations.

  • Investing 101: Learn about our investing philosophy and assess your risk tolerance.

What you receive

  • Your personalized financial blueprint: A custom-made report outlining your current situation, projected future, and concrete steps to achieve your goals.

  • Implementation & Support: We'll work closely with you to implement your plan and provide ongoing monitoring to ensure your success.

  • Access to premium software: We use Monarch Money and RightCapital to help you get organized and have a dashboard to track your progress.

  • No limits on meetings or advice: For the duration of our agreement, we will be on call for you whenever you need us.

Our comprehensive planning service starts at $3,200 for single clients and $4,800 for households.

50% of the fee is paid upon engagement and the remaining 50% paid upon delivery of your comprehensive financial plan.

Wooden desk with a silver laptop, a white mug of black coffee, a notepad with handwritten notes, a black pen, and a black smartphone on it, near a window with natural light.

Beyond the Initial Plan

Continuing Your Financial Journey

  • Man with a backpack and hiking pole standing on a grassy mountain ridge overlooking a misty mountain landscape with steep cliffs and valleys.

    Independent Path

    Some clients find that after working with us, they have the confidence and tools to manage their finances independently.

    We encourage clients choosing this route to stay in touch with us and to reach out if circumstances change and they need additional support.

  • Guided Path

    Many clients value the ongoing support and expertise of a trusted financial advisor and want to establish a long-term relationship where we proactively monitor and adjust your plan while providing on-demand meetings and support to help you respond to life’s changes.

    The quarterly planning fee starts at $800 for single clients and $1,200 for households.

Investment Management

  • A wooden dock extending over clear blue-green water, surrounded by a forest of tall pine trees under a bright blue sky with scattered clouds.

    Core Portfolio

    We offer direct management of many types of investment accounts. Investing with us offers advantages such as rebalancing across your entire portfolio, personalized asset allocation, and tax-loss harvesting.

    Our fee for this optional service is a fixed 0.25% on assets managed, charged quarterly.

    50% of investment fees charged are applied as a credit towards planning fees.

  • A large lake surrounded by dense evergreen forest with numerous boats on the water, small island in the center, mountains in the background, and a partly cloudy sky.

    Passive Income Portfolio

    For high net-worth clients seeking a continuous income stream or higher absolute returns, we offer an actively managed strategy for taxable (non-IRA) accounts.

    This strategy seeks returns uncorrelated with both equities and bonds by capturing short-term volatility risk premium.

    The fees for this specialized service are 1.25% on the first $250,000 invested and 1% on all additional funds.

    50% of investment fees charged are applied as a credit towards planning fees.

What does working with us on an ongoing basis look like?

Our ongoing financial planning service is tailored to keep you on the trail so you can continue making progress towards your goals.

We proactively prepare you throughout the year for important deadlines like filing taxes or making retirement contributions.

Each quarter, we focus on one area of your financial plan to spread out the work of the planning through out the year. This culminates in our annual plan update and review in August/September where we evaluate our progress and change course if needed.

Additionally, if we manage assets for you we monitor your investments year-round. We will rebalance your accounts quarterly and look for tax-loss harvesting opportunities.

Perhaps most importantly, as a client of Manzanita Wealth Management, you have unlimited access to a trusted advisor available immediately to help you answer all things financial.

FAQs

  • We will let you decide what you feel most comfortable with. All meetings will be scheduled with a Google Meet option, but I’m always willing to meet clients in the Sacramento area, schedule permitting.

    I don’t have an office, but I’ll treat you to a coffee at a place near you or you can drop by my neighborhood cafe if you’re close to West Sac.

  • At this time, we are not able to offer this as a service, though we are interested in potentially adding this in the future.

    We will work closely with your tax professional or assist where we can if you file taxes yourself.

  • No! We have no minimum account size to work with us.

    We will work with anybody and will only charge our annual planning fee. This makes us a great choice for folks just getting started on their financial journey.

  • Manzanita Wealth Management LLC (MWM) is a Registered Investment Advisor (RIA), meaning that my firm is registered with the state of California and complies with all state and federal regulations for RIAs.

    Personally, I am a licensed representative of MWM. I passed my Series 65 License Exam in the summer of 2024 allowing me to perform duties as an IAR (Investment Adviser Representative).