Ann Shubert (CFP®, MBA)
Ann Shubert focuses in the
following client markets or areas of practice:
- Business Owners
- Investment Advice with Ongoing Management
- LGBT Couples and Families
- Retirement Planning & Distribution Rules
- Tax Planning
- Women's Financial Planning Issues
- Business Owners
- Investment Advice with Ongoing Management
- LGBT Couples and Families
- Retirement Planning & Distribution Rules
- Tax Planning
- Women's Financial Planning Issues
Planning Specialties
I provide Comprehensive Financial Planning that covers all aspects of your financial life, from building a strong foundation with debt management and an emergency fund, and setting savings goals and investment strategies your are comfortable with, to protecting your assets from risks, and optimizing your tax situation so you keep more of what you make, now and over your lifetime. I also specialize in how to manage your investments to provide income during retirement, as well as making sure your assets go where you want them to when you are no longer here. I can do financial planning as a stand-alone service for a flat fee, or an hourly fee for smaller projects. My Wealth Management service combines ongoing comprehensive financial planning with investment management; I act as your personal Chief Financial Officer, there in an ongoing relationship to help with all of your financial questions and life transitions. Client assets that I manage are held in accounts at Schwab in the clients' name, where I have access to trade, and a tiered fee calculated as a percent of the assets I manage for you is taken out of the accounts quarterly. I develop a target portfolio based on balancing your risk tolerance (ability to sleep at night and leave your money invested), risk capacity (ability to withstand downturns due to longer time horizon or other assets) and risk need (level of risk that will provide the potential for growth required to meet goals). Once you approve, I will implement and manage your portfolio, with regular, tax aware rebalancing. If you are taking withdrawals from your account, I will help establish a "safe" withdrawal rate that maximizes your chances of not running out of money during your lifetime. Investment advisory services offered through Equita Financial Network, Inc. Equita Financial Network also markets investment advisory services under the name Equila Financial. CFP Board owns the CFP® mark in the U.S.Additional Information
Born and raised in New York City, I started my professional career planning to be an Astrophysicist. After receiving a BA in Physics from Princeton University and a MS in Physics from Caltech, I realized that being a research scientist was not a good match for my problem solving, planning oriented personality. So I shifted gears into a career in the defense industry, designing software systems and then managing multi-million-dollar programs for large and small defense contractors. In 2014, while enrolled in the University of New Mexico’s Executive MBA program, I decided to combine my long-term interest in investing with my extensive experience in planning and risk management to help others improve their financial lives. I co-founded Intentional Finance, LLC, in 2017, a state registered RIA firm where I provided financial planning and wealth management. In 2024 I transitioned to a fee-only practice, founding my own firm, Equila Financial, LLC, and joining Equita Financial Network, a collective of independent female financial advisors that share the core values I feel are essential to providing the best financial advice: a focus on the client’s values and goals, professional expertise, transparency, and absolute integrity. I met my husband Paul, a laser physicist, while working in Southern CA. After getting married in Yosemite Valley, we moved to the Land of Enchantment, aka New Mexico, in 1992 in search of a beautiful and less crowded place to raise a family. Our two adult children have now made it successfully out into the “real world,” leaving me to focus my spare time on our four horses, two dogs, and four cats, while Paul practices astrophotography in the observatory he built in our back yard and plans for the next eclipse trip. Investment advisory services offered through Equita Financial Network, Inc. Equita Financial Network also markets investment advisory services under the name Equila Financial. CFP Board owns the CFP® mark in the U.S.NAPFA Start Date
October 16, 2024
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