As a Registered Investment Advisor in the State of California, Pam provides as-needed hourly financial planning and advice on a fee-only (commission-free) basis. Clients may need a comprehensive financial review, or just the answer to a single question. Some of the key areas of financial concern include:

  • Periodic Financial Check-Ups

  • People today are so busy with their lives that it is difficult to allocate time to plan for the future. Annual financial check-ups keep your financial plan fresh and up-to-date. Knowing that you are on target to reach your financial goals can provide the greatest peace of mind.

  • Financial Independence (Retirement) Projections

  • What are you looking forward to? “Having” to work vs. “wanting” to work symbolizes two vastly different lifestyles. Proper planning allows you the option to live the lifestyle of your choice. Periodic updates keep you on track.

  • Investment & Asset Allocation Planning

  • Pam states, “I help you develop an investment strategy and work with you to select the appropriate investment vehicles. For example, some of my clients prefer socially responsible investments. Others have different objectives, such as looking for alternatives to the banks or obtaining income from their investments. Your personal situation (financial goals, income, investment dollars, risk tolerance level, etc.) are taken into consideration in the development of an investment portfolio. Ongoing annual reviews make sure that your investment portfolio remains appropriate for you.”

  • Income Tax Planning / Income Tax Preparation

  • “I am thankful for the taxes I pay because it means that I’m employed.” – attributed to Nancie J. Carmody. “You must pay taxes. But there’s no law that says you gotta leave a tip.” – attributed to an old Morgan Stanley advertisement.

    Pam is a CTEC Registered Tax Preparer in the State of California. The two divergent quotes above sum up her feelings about taxes. With adequate tax planning during the year along with income tax preparation in April, Pam strives to minimize income taxes and maximize income and profit for her clients.

  • Real Estate Decisions

  • The decision to own real estate, either as a personal residence or investment property, is a complex one. With her experience in real estate and mortgage loans, Pam can help you determine the best route to ownership and the impact of owning real estate on the other areas of your financial life – tax savings, investment portfolio, retirement goals, insurance needs, competing goals, etc.

  • Cash Management Issues

  • Ever have too much month left at the end of the month and not enough money? Not sure where your money goes? If you want to do better, one-on-one coaching with Pam may turn your life around.

  • Risk Management Reviews

  • Most insurance portfolios are not that well coordinated. Pam helps clients evaluate their insurance needs and select the insurance appropriate for their needs. Review areas include group and individual life insurance, disability insurance, long-term care insurance, medical insurance, auto insurance, home insurance and umbrella liability insurance.

Contact Us

Pamela G. Lee CFP®

Primary Office
Telephone:  (415) 759-0818
Toll Free:    (888) 380-0818

Oroville Office
Toll Free:    (888) 380-0818