Celeste Mirassou (CFP®)

Celeste Mirassou focuses in the
following client markets or areas of practice:

Cash Flow/Budgets/Credit Issues

Hourly

Investment Advice without Ongoing Management

Retirement Planning & Distribution Rules

Planning Specialties

I offer independent hourly financial planning. That means you can be confidant that I don't sell products, and that I don't charge a fee to manage your portfolio. Instead, I help you to understand your financial choices, and I can prepare investment portfolios for you to implement.

Perhaps, like some of my clients, you find yourself in one of these situations:

v Managing your budget and your cash flow is becoming overwhelming;

v You’re facing a big decision i.e. should you buy a house, sell your home and downsize, retire;

v You just got married, lost a spouse, had a baby;

v You no longer want to pay someone else to manage your investments;

v You have the expertise, but don’t have time to develop an investment plan or do long term tax projections.

Working with me allows you to access the tools that I use to develop a comprehensive plan, as well as to benefit from my expertise and experience. In addition, I can facilitate conversations between spouses with different money styles.

My financial plans and budget tools help you to see and understand how income, taxes and spending will influence your financial future. I confirm that what you want to do financially is sound, and I may even improve upon what you may be considering. You still make the decisions, but you do so with a better understanding of your choices.

Additional Information

What Makes Me Different

"Do I have a license or a certification that qualifies me to offer financial planning services?"

Yes, a Certified Financial Planner must pass an extensive exam and meet industry experience requirements. And she must continue studies in the field to maintain that license.

Are financial planners regulated?

I am a Registered Investment Advisor with the State of California. It means that I need to comply with standards of performance as well as disclosure about how I operate my business. This includes making one document that I file with the state, my ADV, available to you upon request.

Am I a Fee Only Financial Planner? Yes.

Will I put my client's interest above my own interests?

Yes, I conform to the guidelines of the National Association of Personal Financial Advisors (NAPFA) - the only financial planners' professional association that requires a review of a financial plan by our peers before admittance and the acceptance of a fiduciary oath.

How do I give back to the field of financial planning?

I was an adjunct faculty member at Golden Gate University in the Masters of Science Financial Planning program for insurance and estate planning, and I taught insurance planning at University of California Extension. I also served as a board member of the San Francisco chapter of the FPA (Financial Planning Association) chairing the Sponsorship Committee.

Where did I acquire the necessary experience?

Twelve years of financial planning experience including work as a paraplanner (think "As a paralegal is to a lawyer...) for other financial planners

Ten years of financial services sales experience in direct sales and as a sale consultant