We're proud to be an independent, fee-only fiduciary planning firm located in Santa Cruz, CA. No sales pressure, no hidden fees - just honest advice. Meet our team, let us answer your questions, and find out how we can help you live the best life possible with the money you have. As comprehensive financial planners, we handle everything in your life with a dollar sign.
If you have a money question, all you have to do is pick up the phone and we'll be there to help you out. If we don't do it ourselves, we provide commission-free referrals to our own personal network of experts.
If you have a money question, all you have to do is pick up the phone and we'll be there to help you out. If we don't do it ourselves, we provide commission-free referrals to our own personal network of experts.
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Chris rides his bike to work every day and loves the Santa Cruz lifestyle. As far as we know, there is nothing in his closet but Hawaiian shirts. He used to play professional soccer, and he helped found the Santa Cruz County FC Revolution - a non-profit premier youth soccer club working with underserved children in Santa Cruz County.
It can be difficult to take that first step to get help with your finances, but our job is to make it as easy as possible for you to get your financial life in order. Many people wait too long to start making a plan for their finances, but the sooner you start, the sooner you'll have financial peace of mind.
We'll figure out when you should claim Social Security, take any pension income, and withdraw from your portfolio. We focus on tax-efficient and low-risk income options for the early years of retirement. We take care of preparing your taxes as well as optimizing your IRA rollovers, Roth conversions, tax loss harvesting, and required minimum distributions.
What we do is so tied up in who we are that it can be difficult to picture yourself without a 9-to-5 job, even if part of that picture involves daily beach naps and sunset sails. Where some retirees see carefree days and endless possibilities, you might be staring at a blank calendar worried that you're going to go crazy without meetings, deadlines, and tasks that fill you with purpose.
In Santa Cruz, we do things differently. We believe that success is a life experience, not just a number on a bank statement, and we think your financial plan should reflect those values. We know that you don't just want a financial advisor - you want the best financial advisor for you. Our planning starts from the premise that money is a tool, not a goal.
Reviews (1)
Pamela Rocco
Dec 17, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
The entire team at NBFA is blindingly competent, affable and always available to answer questions and provide information. And their newsletter, written by Moana, a financial adviser in training, is really funny! I actually look forward to my face-to-face visits with them, which will resume when the pandemic is over.
The entire team at NBFA is blindingly competent, affable and always available to answer questions and provide information. And their newsletter, written by Moana, a financial adviser in training, is really funny! I actually look forward to my face-to-face visits with them, which will resume when the pandemic is over.
