Planning

Personal Financial Planning

Retirement, first home, college for the kids, they all need a plan…

Investing

Investment Advice

401k, IRAs, mutual funds, where do you start? I'm here to help…

Taxes

Tax Preparation

Applied Advisor is a full service planning firm— taxes too…

Tax Preparation

Client Links

Links for Current Clients

Access the Lockbox or schedule an appointment…

Personal Financial Planning

Applied Advisor is a California Registered Investment Advisor. Financial planning, investment advice, tax preparation and primary client contact is provided by Kathy Hentges, CFP®, founder and principal of Applied Advisor.

To give you an idea of the types of individuals I work with please read through the following client characteristics. Don't hesitate to contact me if you have questions.
  • Looking for an advisor rather then a manager: I provide advice and guidance, it's up to you to implement recommendations.
  • Willing to invest the time: You understand the financial planning process is only as successful as the effort you put into it.
  • Enough income to afford my hourly rate: There is no minimum portfolio size I am willing to help with.
  • Single/Partnered/Married: I specialize in the needs of the Gay and Lesbian community, but that doesn't mean I work exclusively with Gay and Lesbian clients.

Do These Situations Apply to You?
I am not a good match for everyone. If any of the following situations apply to you then you should continue your search elsewhere. My specialty areas are middle and upper middle income individuals or families and gay and lesbian households. I do not have training or experience with the following:
  • Special needs planning for a disabled family member.
  • Divorce planning
  • Bankruptcy counseling
  • Business planning: I do work with people that own a business, but my advice is limited to their personal financial needs rather then the needs of the business.
  • Looking for someone to take over: I do not manage portfolios. I provide advice and implementation strategies only.
  • No time to participate: Financial planning can be successful only if you are an active participant in the process.
  • Not prepared for the out of pocket cost of hourly advice: A good financial plan takes time and under my fee structure time is directly related to cost.
  • Looking for get rich quick ideas: There a plenty of books and seminars out there to help you do that. I provide sound financial advice to secure your financial future.

What is Financial Planning?
Financial planning is the process of realizing your life goals through a "big picture" approach to managing your money.
Philosophy
You may not have given much thought to your philosophy about money, yet chances are you have deeply held beliefs…
What to Expect
Under construction as of 1/30/13
Your Advisor
Kathy Hentges, CERTIFIED FINANCIAL PLANNER™
Accredited Domestic Partner Advisor(SM), C.T.E.C. Tax Preparer
Fees
Kathy Hentges, CFP®'s hourly rate is $210 per hour for most services. Total cost depends on the scope of the work.
Samples
Samples of the type(s) of reports that might be generated with your financial plan.
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.