For more than 25 years, the people at Etzler Financial Advisors
have been helping to ensure the long‐term financial well‐being
of others. We have long subscribed to a different set of guiding
principles. Principles directly influenced by the people we
serve. Financial planning isn?t about investment returns or the
sale of a product. It?s about quality of life... It?s about
making dreams real... It?s about making life more.
We honor our fiduciary role and responsibility in the lives of
our clients. To help plan their journeys and achieve milestones,
change course when needed, and provide support for everything
that life brings their way. Listening. Anticipatng. Delivering.
It?s always about puttng our clients? interests first ? the way
that it should be.
It?s your life, and your money. We want to help you make the
most of both. Independent, conflict-free advice - one day every
advisor may offer it, but you'll find it with us today.
|Firm Start Year:||1982|
|States Licensed in:||CA|
|Number of Years with Current Firm:||10|
|I work with the following types of clients:||Non-Profit Organizations , Individual Investors , Businesses , Retirement Plans|
|Investment Types:||Bonds , Mutual Funds , Stocks , Annuities , Insurance , Exchange Traded Funds (ETFs) , Alternative Investments , Socially Responsible Investments (SRI)|
|I can meet clients in the following ways:||Via email , Via phone , At your office , At my office|
|Qualifications & Memberships|
|Financial Organization Memberships:||Financial Planning Association (FPA) , International Foundation for Retirement Education , National Association of Personal Financial Advisors (NAPFA) , Paladin Registry|
|Non-Financial Organization Memberships:||
Institute for Divorce Financial Analysts, American
Association of Individual Investors, Western
Pension & Benefits Council
|Registered Investment Advisor:||Yes|
|Investment Advisor Representative:||Yes|
|I am an 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|
|Compensation & Fees|
|Fee Structure:||I am a Fee-Only financial professional|
|Minimum Portfolio Size for New Managed Accounts:||0|
|Compensation Methods:||Flat Fee , Hourly|
|Additional Details on Charges:||
We provide independent, highly-qualified, fee-only |
and conflict-free advice and support by the hour,
by the project, or on retainer.
|Minimum Fee Charged for Hourly Planning Accounts:||$150|
For more information about our firm and services, contact us for an introductory consultation and request our Form ADV.
Founder and Managing Member of Etzler Financial Advisors, Matt is an independent, fee-only fiduciary advisor that focuses on retirement and personal financial planning.
Native to Northern California, Matt grew up with an appreciation for family, community, and hard work. Helping people achieve their life goals and make the most of their resources is extremely rewarding.
Financial planning is about quality of life, not investment returns. As a caring, objective advisor, Matt brings organization, discipline, accountability and support to the planning and financial management process.
For over 25 years, Matt has helped clients navigate their most important life decisions. Clients rely on Matt for competent guidance and support.
Matt values education as a way to promote professional excellence and to better serve his clients. Accreditations include: Certified Financial Planner, Certified Retirement Counselor, Chartered Retirement Plans Specialist, and Chartered Federal Employee Benefits Consultant.
Matt has been awarded the highest, Five Star Fiduciary Advisor rating from the Paladin Registry, a service that documents and validates the credentials of high quality financial professionals who rank in the top 10% of their profession.
Matt?s dedication as a professional advisor carries over to the community as well. Over the years, his leadership has touched a number of community organizations including school districts, art organizations, recreational organizations, and youth groups.
Matt devotes his free time to family, coaching youth sports, and participating in a number of worthwhile community service projects.
Financial Planning for Individuals
Constant changes create confusion in our financial lives. There are no promises, no guarantees. Inflation, taxes, investment volatility and other factors beyond our control can wreak havoc with your plans and budgets. Will you have enough money to retire? Where will you get the money to achieve your goals? How can you minimize taxes? What steps should you take to efficiently transfer your estate? Our financial planning services help you prepare for the future, keep organized, help you cope with uncertainty and achieve what you want to accomplish. Financial planning integrates six key areas of your financial life: 1) An evaluation of your goals, objectives, and challenges (context for the financial plan as a whole); 2) Asset and debt management (your total financial picture); 3) Risk management (protecting you from catastrophe); 4) Tax planning and management (improving your financial efficiency); 5) Independence planning (achieving/maintaining your desired standard of life); and 6) Estate planning (helping you transfer your lifetime assets to your heirs and/or to worthy causes). Our financial planning services include mathematical analysis and forecasting, professional evaluation and advice, specific recommendations, support, a structure for making decisions, and accountability ? all so that we can enable you to make effective financial decisions, and to find ways to become more effective in your personal and business lives. We offer a no-charge, introductory consultation to become acquainted with our financial planning services.
The concept of retirement has evolved greatly over the last fifty years. We are living longer, perhaps retiring earlier. Fewer of us have pensions and we are increasingly responsible for providing our own income in retirement, a period of our lives that may well last thirty years or longer. Whether you?re approaching retirement or already retired, the calculation of retirement income is critically important. There are so many variables to consider. How do you figure out what you?ll need to live on? When should you start collecting Social Security? Which pension option should you select? How should you invest your savings? How do you minimize taxes and keep more of what you?ve saved? Etzler Financial Advisors specializes in retirement planning. We guide you through the crucial process of setting up a secure retirement plan. Retirement planning integrates a series of steps to help you build a secure future including: 1) Evaluation of your retirement goals; 2) Assessing your current financial position; 3) Identifying your retirement income sources; 4) Evaluation of your risks; 5) Investing retirement assets; 6) Monitoring retirement income and expenses; and 7) Planning for orderly distribution of estate assets in the event of incapacitation or death. Our retirement planning process is intended to provide peace of mind for a more enjoyable retirement. We offer a no-charge, introductory consultation to become acquainted with our retirement planning services.
Investment Management & Advice
We take a long-term approach to investing that relies on realistic expectations of returns, diversification among and within asset classes, and research of investment managers. Our typical investment consulting client is looking for peace of mind, seeking portfolios that help them achieve their dreams, and enjoying time-proven methods instead of the latest fads. You should consider investment consulting services if: 1) Your portfolio has reached a size where you?re no longer comfortable managing it yourself; 2) Your investment experience with commission-oriented investment firms has been negative; 3) Managing your portfolio is taking up too much time and/or you want to simplify your financial life; 4) You have recently inherited or acquired a large sum of money; and/or 5) You are fiduciary or trustee for a retirement plan and you are seeking professional services from a fiduciary advisor. Our investment approach provides a disciplined process to identify your investment goals and establishes a personalized plan to meet them. We employ a defined process for each critical step in the investment management cycle including goal setting and risk/return profiling, asset allocation modeling, investment selection, monitoring and reporting. All investment recommendations are analyzed in a multi-dimensional framework, including tax considerations, risks, asset correlation, costs, and many other considerations. For every client, we provide objective, thoughtful, conflict-free advice. We search for the highest quality and most cost-effective solutions and recommendations are never tainted by payments from other sources (i.e. commissions or mutual fund trails).
|Mon.||8:00 AM - 5:00 PM|
|Tue.||8:00 AM - 5:00 PM|
|Wed.||8:00 AM - 5:00 PM|
|Thu.||8:00 AM - 5:00 PM|
|Fri.||8:00 AM - 5:00 PM|