Elaina C. Serotte, CAS, CFS

Services

Developing Your Financial Profile
Together we undertake a comprehensive assessment and evaluation of your financial status. Once we have a clear view, I’m able to work with you on an ongoing basis to be sure you’re on track toward achieving your financial goals.

Financial Independence Planning
I help you to understand your needs and assets, what you can anticipate having in the future, and how much longer you HAVE to work before retiring, while still leaving a legacy to your family.

Risk Management
My goal is to help you “self-insure” for small risks while passing on risks you cannot (or should not) assume to an insurance company. I fully examine your insurance portfolio, including life insurance, income protection, property & casualty and liability to be sure that you’re fully protected and are getting the most coverage for the costs.

Cash Flow Management
An accurate understanding of your budget allows you to gain control and appropriately allocate resources toward your future financial success.

Investment Planning
As we work together, I gain knowledge of your risk tolerance, asset allocation preferences, and objectives for investment. This enables me to properly advise you on which asset classes and subclasses in which to invest.

Tax Management
Well in advance of preparing your taxes, I make sure that you’re taking advantage of all legal means of reducing your tax liability. If appropriate, I will recommend a CPA or tax professional.

Education Planning
Planning for the costs of your children’s higher education can be daunting. I help you quantify anticipated costs and devise an investment program that takes numerous factors into account.

Estate Planning
I will advise you of exposures as pertained to passing on your estate in the most cost effective and private manner possible. If appropriate, I will recommend an Estate Planning attorney.

Securities and investment advisory services offered through MML Investor Services, Inc. San Francisco Bay Area Agency LLC, Robert Fakhimi, CLU, ChFC, CFP, General Agent

Getting Started
	Document Checklist A complete list of items necessary for an accurate financial plan. This data, while vital, is only half of your story. It is coupled with a complete understanding you and your family, which we uncover in the Discovery Phase of our process.
	Statement of Needs and Expectations This allows us to deepen our understanding of what you would like out of your financial planning process, therefore allowing us to further customize your plan and experience.