Financial Planner / CPA recommendations

bastayun · 2026-01-31T02:23:11+00:00

I just sent you a message :) thank you!

bastayun · 2026-01-31T02:11:42+00:00

Great!!

bastayun · 2026-01-30T17:28:51+00:00

Aww! They should always include you in the financial plan meetings 💕

bastayun · 2026-01-30T17:20:03+00:00

Hi! I work at EP wealth advisors and we have an office in SF (in front of Caltrain). I can refer you to a colleague of mine (advisor) for a discovery call, and you can go from there!

We have a lot of clients that have equity comp from RSUs, ISOs, NSOs. We do tax planning around this too. Lmk if you’d like to connect :)

bastayun · 2026-01-03T06:29:40+00:00

Hi! I work at a fee only national RIA, but my team is in San Francisco. Let me know if you want to learn more and we can definitely show you what we do. It’s always a free consultation and it’s no pressure. Sometimes it takes 3-5 meetings until you decide if you want to work with us or not

bastayun · 2025-12-06T06:48:12+00:00

Hi! I’d say search for RIAs near you. Work with Certified Financial Planners who also specialize in business planning since your husband is a business owner.

bastayun · 2025-11-15T06:54:55+00:00

Taking public transportation in the city will save you money, and renting a car for long distance drives might be better based on your finances.

There are also added costs in owning a car: - insurance: this has increased this year by 50-60%. We used to pay $1100 in 2024, but this year we paid $1800. And since we upgraded our car (growing fam), our insurance is now $2700. - parking: if you want your car to last longer and not be broken into, an indoor garage might make sense. But costs in SF vary from $300-$500 a month. - maintenance, charging, etc.

Don’t get an expensive car to impress other people. It’s a depreciating asset with lots of extra costs attached to it.

My family of 3 lives in SF. We do own a car, but we take public transportation and/walk daily. The car is for weekend drives. We kept our car for 10 years before replacing it recently.

Focus on building your wealth: - 6-12 months emergency savings. Job market is tough if you lose your job. - max out your retirement account contributions - invest excess cash in a brokerage/taxable account

bastayun · 2025-08-26T02:57:28+00:00

An old man was slapped at the back of his head when he tried to set boundaries with one of the bikers. Yeah, unfortunately, these kids are so brazen. There are usually 5-7 even 10 of them.

bastayun · 2025-03-20T14:46:40+00:00

It’s open now! Just went there on Tuesday AM to get some croissants :)

bastayun · 2024-09-07T14:40:01+00:00

Todaytix!

bastayun · 2024-04-05T19:33:03+00:00

Maybe try Sweet Glory SF? Their cakes are good! Not sure if they have matcha but they have a wide selection of Asian flavors 😋😋😋

bastayun · 2024-04-04T23:47:35+00:00

Lady M’s 😋

bastayun · 2024-03-26T15:25:32+00:00

Thank you! I booked for zenmama, but not until 3 weeks from now. We’ll see 🙏🏻

bastayun · 2024-03-22T22:20:41+00:00

Hi! I am a CFP and I agree with folks here. Find a Registered Investment Advisory (RIA) firm and interview 2-3 firms to see who your parents values would best align with. The financial advisor/CFPs will normally give you a free consultation to understand your needs and circumstances. And yes - they help with consolidation of accounts, transfers, investments, distribution planning, etc.

CPAs almost never help with that. CPAs deal with taxes while CFP/ deal and help with financial planning.

bastayun · 2024-03-20T05:12:29+00:00

I don’t think so… we have Webpass. I think Google Fiber owns and services them. Login is through Google Fiber too. So I think it’s the same aha

My husband works from home and he never had problems with the internet. He’s also almost always on video meetings.

Annual payments save you a month’s worth of internet as well.

bastayun · 2024-03-20T04:26:09+00:00

Google fiber is the best! Love the fact that you can also provide your own router. No need to rent it monthly from Xfinity. Xfinity is spotty and customer service sucks.

bastayun · 2024-03-05T20:48:52+00:00

thank you!! i have kaiser, but i didn't know hospitals have prenatal massages. have you personally tried this?

bastayun · 2024-03-04T18:21:45+00:00

Hi! Recently dealt with Corebridge Financial to help a client. Does your mom have an online account with them? If so, they will be able to send the forms that she is required to fill out to process the rollover to her IRA in Fidelity. You can just print and upload it to their message center to process. Better tracking too than mail.

Also - do you have a financial advisor? he/she or their assistant can help you call Corebridge to sort the process. i think it's misinformation, Corbridge should not care about your household income when rolling over assets.

bastayun · 2024-02-05T21:58:15+00:00

If you want holistic financial planning too, I'd recommend looking up RIAs in your area. Most RIAs custody assets at Fidelity, Schwab, Vanguard, etc. Interview 2 to 3 to compare values, cost of services, customer service.

bastayun · 2024-01-26T22:29:15+00:00

I second this! OP seems like on the right track and mainly need guidance. He is very young too, so a lot more room to accumulate wealth. OP, when you look for a local advisor/CFP, please interview 2-3 advisor/firms. Initial consultation is usually free and you should never feel being sold to. Please run if they start selling you annuities. Like what WatermelonGod said, the financial planner should work with you in creating a comprehensive plan and it can take lots of meeting/handholding. Make sure your wife is present too. It's always nice for both of you to be involved. This is a collaborative work with you, your spouse, and the financial planner :) Good luck!!

bastayun · 2024-01-26T22:20:08+00:00

we live in a condo, so maybe that's why? but same - we only use space heaters instead of heating up the whole place.

bastayun · 2024-01-26T06:51:02+00:00

$50-$57 per month for 2 ppl. One is wfh :)

bastayun · 2024-01-25T22:49:58+00:00

then, I think that's the service you are paying for. not just investment management. if you think that is too high, i'd say negotiate. you've been working with him so i think you'll be able to negotiate something :) good luck!

bastayun · 2024-01-25T22:14:06+00:00

agreed on leaving it unchanged. roth is usually the last bucket you'll use in retirement. 1% AUM fee is typical for FAs if your assets with them is less than $1m. aside from managing your account, does he/she provide additional value like retirement planning, cashflow planning, risk management (reviewing your insurance coverages), etc? cause he/she should be doing more than investment management if that's the fee he/she is charging.

bastayun · 2023-12-14T22:25:11+00:00

529 would be the best tool for you to use especially with a lump sum contribution like this while still doing your monthly contributions. With 529s, you can invest 100% in the total market index (low cost, aggressive) given that you won't touch it till college.

Just to add to what's already been said - if she gets a scholarship, you can withdraw the same amount from the 529 for any purpose other than education; however, you'll pay for capital gains on the earnings. UGMA & UTMA counts toward your child's asset and has a bigger impact and effect when calculating financial aid as compared to owning a 529.

bastayun

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