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Kathy Hentges, CFP®

Kathy HentgesIn 1998 I was making a good living in Los Angeles as a motion picture camera assistant. For the first time in my life I had enough money to cover my expenses with enough left over to start thinking seriously about retirement and maybe even a house. I had heard about financial planners and thought I could benefit from some advice since most things financial were new to me. During my search I could only find two kinds of planners, sales people who worked on commission or wealth managers who wanted me to accumulate a large portfolio on my own before they would work with me. Since the idea of turning my money over to a commissioned planner didn't appeal to me and I didn't have enough money to work with the other kind I started educating myself. I learned about taxes, created a retirement plan, researched mutual funds, you name it. The trouble was the more I learned the more I learned how much more there was to learn. By 1999 I reached the point where either I needed to turn everything over to a professional or become one myself. Already turned off by my search a year earlier and ready for some new challenges in my life I choose the later. I left the film business, went back to school and in 2003 opened Applied Advisor to work with the kind of person I was in 1998, a professional making good money, but not wealthy, who needs some unbiased, commission free guidance.
Background
I graduated from Ohio University with a Bachelor of Science of Communications and earned my Personal Financial Planner certificate from the University of California Extension, Santa Cruz. I am a CERTIFIED FINANCIAL PLANNER™ practitioner, an Accredited Domestic Partner Advisor(SM), and a California Tax Education Council (C.T.E.C.) Registered Tax Preparer.


The Applied Advisor Philosophy

You may not have given much thought to your philosophy about money, yet chances are you have deeply held beliefs that while not constituting a formal philosophy they guide your money behavior.

The following are the beliefs that lie at the heart of my approach to financial planning, see if they ring true to you. A critical factor when working with a financial professional is finding someone whose belief system aligns with your own.
Money
Money is a tool, nothing less, nothing more. As a tool money allows you to express your values in the way you spend and manage it.
Financial Planning
Financial planning is a process of implementation and review, not a single event or printed report. Creating the initial plan is just the first step in a life long process.
Investing
Long-term results are my primary focus. Excessive concentration on the short-term will be counterproductive to achieving your goals.
Taxes
The time to think about tax consequences is before taking action, not after the fact. Tax reduction requires tax planning not "hidden deductions" or complex tax shelters.
Disclosures
Advisor is a California Registered Investment Adviser. Financial planning, tax preparation, and primary client contact is provided by Kathy Hentges, CFP®, founder and principal of Applied Advisor LLC (dba Applied Advisor). All written content on this site is for informational purposes only. Material presented is believed to be from reliable sources and no representations are made as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Sample reports are for illustration only and do not represent actual plans or recommendations. Fee-only financial planning and investment advisory services are offered through Applied Advisor, a registered investment advisory firm. The presence of this Website on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state(s) in which Applied Advisor is registered (Registered Investment Advisors are legally empowered to provide investment advisory services only to residents of the states in which they are registered). The purpose of this website is for information distribution of our services. Kathleen Hentges, CFP® is a California Registered Tax Preparer, C.T.E.C. Number A103130. A surety bond is maintained with State Farm Insurance.