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…

Investment Advice

Applied Advisor is a California Registered Investment Advisor. Investment advice, financial planning, 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 am not able to take over any part of your financial life. I only provide advice and guidance.
  • Willing to invest the time: With my guidance you are responsible for implementing all investment advice.
  • Enough income to afford my hourly rate: There is no minimum portfolio size I am willing to help with.
  • Pre-retired: The majority of my clients are pre-retired and range in age between 30 and 55.
  • Retired: I work with retired and almost retired clients age 55 and older. This is a smaller part of my practice, not out of design just happenstance.

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.
  • Looking for someone to take over: I do not manage portfolios. I provide advice and implementation strategies only.
  • Not prepared for the out of pocket cost of hourly advice: Good analysis 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.

Choosing an Investment Advisor
Other than fee-only there are three common ways a financial planner is paid…
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.