Cheryl believes in individualized, holistic financial planning. To her, the big question is “What does a life well-lived look like?” The answer is different for every client, but once it is arrived at, the financial planning takes shape to support this larger life-vision. The aim is to create the means to support that vision in a lasting and protected way.
Planning is a process not an event. For this reason, Cheryl is committed to working with her clients as their lives evolve, their businesses and families grow, and their financial pictures change. The process starts with a discussion of what the client wants their life and legacy to look like – where they want to be. Next, together, they complete a thorough review of their current financial picture including benefits, cash flow, insurance, investments, debt and legal documents in order to determine where they are now. Cheryl can then point out opportunities and threats and create a strategy, with prioritized steps, to get their financial life organized, coordinated and in balance. She helps her clients discover and understand products that are best suited to them, products that enable them to achieve and protect their life-vision while building wealth over time.
Cheryl works with an Advanced Planning team within Pacific Advisors as well as other professionals such as outside tax, legal or insurance specialists.
Asset Management; Tax Mitigation, Offset, and Elimination; Estate Planning; Charitable Planning; and Retirement Planning for executives, professionals, and business owners.
Employee Benefits, Executive Benefit Planning, Key Person Planning, Qualified Retirement Plans, Deferred Compensation Planning & Buy/Sell and Buy-Out Planning
Life Insurance, Disability Insurance, Long-Term Care Insurance & Group Health Insurance
Cheryl graduated with Highest Honors from The University of Texas at Austin with a BS in Business Honors and a Masters in Professional Accounting (MPA). She started her career in public accounting with KPMG in San Francisco. After obtaining her CPA, she moved to Oracle to provide financial analysis for the executive team in Redwood Shores, CA and Philadelphia, PA. When her family relocated to Claremont, CA she began working for SeeBeyond, a pre-IPO software company, in International Finance and then in Compensation and Benefits. From the work she did designing and optimizing plans for the benefit of employees, executives and the company, her interest in financial planning was born. She made the leap to financial advising in 2002 so that she could help more families and organizations achieve their goals.
She has been on the Boards of Pomona Valley Habitat for Humanity and the Claremont Community Foundation and participates in various professional advisors councils.
Cheryl lives with her husband, Tom, who teaches Physics at Harvey Mudd College, and her twin sons. She enjoys reading, yoga, traveling and of course, watching lots of soccer, cross country and debate!
A good life in any moment is simple to enjoy; a good life for the rest of our lives requires a plan.
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Optimizing the financial strategies of your business is one of the most powerful things you can do to secure life-long financial sufficiency and your legacy. We work with owners at all stages of the business lifecycle, from assisting the new business owner with establishing a sound financial foundation to helping ensure smooth business succession and transition into retirement.
Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Pacific Advisors is not an affiliate or subsidiary of PAS or Guardian. Pacific Advisors is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Insurance products offered through One Pacific Financial & Insurance Solutions LLC, DBA of Pacific Advisors LLC. Pacific Advisors LLC is not registered in any state or with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Not practicing CPA for Guardian or its subsidiaries or affiliates. CA Insurance License Number - 0D83303. This material is intended for general use. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or otherwise act in a fiduciary capacity.