Frequently Asked Questions – Finances for Life

1. What are your qualifications and educational background?

Our founder, Lucille M. Shaw, has over 25 years of experience in financial and asset management, specializing in holistic financial planning for Carlsbad, Oceanside, Encinitas, Rancho Santa Fe, San Marcos, San Diego and Southern California families, locally and nationwide. With a Master’s in Business Administration, a Citadel Certified Estate Planner, and over 25 years in business financial planning, Lucille ensures expert guidance. Learn more about Lucille.

2. What is your approach to financial planning?

Our approach is client-focused and life-centered. We listen, ask probing questions, and use detailed questionnaires to understand your goals. See our client process.

3. What services do you offer?

We offer services, comprehensive or modular financial planning, asset protection strategies, and retirement planning for San Diego County clients.

4. How will I pay for my services?

We charge hourly, fixed, or flat annual fees (assets under management). As an Independent RIA serving San Diego and North County familer for over 25 years, our fee-only structure ensures transparency, saving clients thousands in hidden fees.

5. Do you provide an agreement?

Yes, we provide a clear agreement defining the scope of engagement, ensuring you know what to expect.

6. Will you be the only person working with me?

It depends on your needs. Our team of advisors and strategic partners ensures comprehensive support.

7. What is your investment philosophy?

We believe in diversified, long-term buy-and-hold strategies using low-cost institutional shares or ETFs, aligned with your risk tolerance and goals.

8. What financial institution do you represent?

We represent our clients as an Independent RIA, collaborating with firms like Schwab but remaining unaffiliated. See what makes us different.

9. Do you provide a free initial consultation?

Yes, we offer a free consultation to discuss your needs.

10. Why choose us over big-name wirehouses?

As a woman-owned independent RIA with over 25 years in San Diego and North County, we provide fiduciary, fee-only advice—unlike wirehouses that may prioritize commissions.

11. How can you help me plan for retirement?

We create diversified income streams and tax-efficient strategies to ensure a secure retirement, tailored to San Diego’s unique cost of living.

Have more questions? Schedule a free Exploratory call today.