Hetal Saki is a Certified Financial Planner with over a decade of experience working with clients in helping them meet their financial goals. Hetal currently holds a Master's in Business Administration and Completed her CFP® in 2015. Hetal has worked with clients from various walks of life and understands the complexities that need to be addressed in order to fulfill lifelong financial goals. Originally from the Midwest, she has been living in the Bay Area, CA since 2000 with her husband and son. In her spare time, she enjoys the various hiking trails and outdoor activities that living in the sunny state has to offer. She also enjoys being a part of various organizations that dedicate their time to giving back to the people of her community.
AMC Wealth Management, LLC is a fee-only financial advisory firm providing hourly financial planning & tax-efficient wealth management. We help clients achieve their goals through our financial planning process and tax-efficient investment strategies.
General Information |
| States Licensed in: | CA |
| Work Experience: | With over 15 years of experience in the financial services industry, I have worked with clients from various demographics and socio-economic backgrounds. I pride myself in being a fiduciary and a Certified Financial Planner. I have always incorporated comprehensive financial planning as a part of my core services and I believe that a true fiduciary is one that takes time to learn about their clients goals at a deeper level as this helps build a more lasting and trustworthy relationship. I have worked with the mass-affluent and affluent client base, as well as the ultra-wealthy. Through my experiences, I have gained an understanding of what it takes to help the client become more confident as they progress towards meeting their financial goals. |
| Work with the following types of clients: | Individual Investors |
| Advisory Services Provided: | Financial Advice & Consulting, Investment Advice & Management, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Businesses, Financial Planning for Individuals |
Services |
| Investment Types: | Commodities, Stocks, Bonds, Mutual Funds, Exchange Traded Funds (ETFs) |
| Can meet clients in the following ways: | Your Office, Email, Phone, Video Conference |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $250K and above |
| Compensation Methods: | Hourly, Based on Assets |
| Fee % Based on Assets: | Negotiable |
| Hourly Rate: | Negotiable |
| Additional Details on Charges: | Fees are negotiable and can be reduced based on circumstances |
| Minimum Fee Charged for Managed Accounts: | Negotiable |
| Minimum Fee Charged for Hourly Planning Accounts: | $100/hr |
Financial Services |
| Financial Planning for Individuals
We provide financial planning on an hourly basis. Our financial planning service is comprehensive and aims to address any type of financial concern that a client may have. In addition to hourly financial planning, we provide comprehensive financial planning for free to our investment management clients. |
| Education Funding and Planning
We help guide clients in determine optimal funding strategies to meet their educational funding needs. We also help clients open accounts geared towards funding their educational goals. |
| Retirement Planning
Our financial planning services include retirement planning. We help guide clients in making optimal decisions when it comes to areas such as target retirement age, income needs, and portfolio allocation. |
| 401K Rollovers
We help clients rollover their 401k into IRA accounts custodied at Charles Schwab. We also help ensure that their rollover assets are aligned in a manner that is aligned with their income needs and goals. We also review existing 401k plans to ensure that clients are optimally saving and investing in a manner aligned with their goals. |
| Portfolio Management
We manage portfolios of all sizes and custody through Charles Schwab. Our primary strategy is to utilize tax-efficient securities for our clients' portfolios but we are flexible as we understand that clients may have unique investment objectives. |
| Insurance Planning
Our financial planning services include review of existing insurance coverage, if any and advice based on the clients' goals and needs. |
| Tax Advice and Services
Our financial planning services include tax return review and advice. |
| Investment Advice & Management
We provide investment management services and custody assets with Charles Schwab. Our primary strategy is tax-efficient investing but are flexible based on clients' goals and objectives. Our financial planning services include investment advice. |
FAQs |
Do you have a customer satisfaction or refund policy?Since we abide by fiduciary standards, we do not bill clients until the end of the service term (usually monthly) to ensure that our service is met to the clients' full satisfaction. Therefore, we do not have a refund policy. Additonal FAQ's regarding our services and fees can be found at https://amcwealth.com/hetal-saki/ |
What are your qualifications? What is your education background?I have an MBA in Finance and I am also a Certified Financial Planner with over 15 years of experience in the Financial Services Industry. |
How are you compensated? How will I pay for your services?We are a fee-only firm. Our fees for financial planning services typically start at $100 per 30min.Our fees for investment management range from .30%-1%. Our fees are negotiable based on client circumstances. Fees are paid through check or credit card. Fees can also be pulled from managed accounts based on our clients' discretion. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something?The scope of the engagement for investment management services is based on the clients' agreement to give the investment advisor discretionary trading authority. Therefore, the client will not receive notice every time a buy or sell transaction is made. All investments will be made after thoroughly discussing the clients' goals, needs, and investment objectives. The client is responsible for informing the advisor of any changes to their goals, needs, and investment objectives. |
Will you be the only person working with me?The advisor will be the primary Financial Advisor but we do offer to work with other professionals to provide thorough financial planning, depending on personal circumstances (i.e. CPAs, Estate Attorneys, etc.). |
Disclosures |
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WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures https://www.wiseradvisor.com/disclosure/1892798/wiseradvisor-amc-wealth-detailed-disclosure.html |
Disclaimer |
| AMC Wealth Management, LLC is a registered investment adviser in the states of IL, NV, GA, FL, AL, UT, DE, LA, TX, NY & CA. We adhere to the fiduciary standard of conduct by way of hourly financial planning & consulting or traditional investment management services of which clearing, custody & safekeeping is provided by Charles Schwab, an SEC registered broker-dealer and member FINRA/SIPC. For more, please visit adviserinfo.sec.gov/firm/summary/308157 or see our form ADV 2A. Not an offer or solicitation in unregistered territories. |
Registered Investment Advisor:
Yes
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Mon. | 10:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 6:00 PM |
| Wed. | 10:00 AM - 5:00 PM |
| Thu. | 9:00 AM - 6:00 PM |
| Fri. | 10:00 AM - 5:00 PM |
| CA, IL, NY, TX. All meetings are conducted in a virtual manner. In person meetings can be accommodated for CA residents. |
| Check | Bank Transfer |
| Visa | MasterCard |
| American Express | Discover |
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