You Have Rights

Jonathan Spector Jonathan Spector, CFP®
Lead Advisor
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Loren Kayfetz Loren Kayfetz, MSFS, CFP®, CLU, ChFC
President and Founder
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Pat Pannell Pat Pannell, MBA
Chief Executive Officer
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Stefanie Corrales Stefanie Corrales, SHRM-SCP
Chief Operating Officer
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Toll-Free: 888-557-3272 Info@PersonalFinancial.com




About Us

Personal Financial Consultants, Inc., is an independent, registered investment advisory firm with advisors in California. We are trusted, fee-only professionals who work with you to coordinate all the financial details of your life. But we do so much more than that. We also embrace a holistic approach to planning, working to transform fear into confidence and anxiety into calm.

As advisors, our goal is to do everything we can to promote your financial well-being. When many of our clients first come to us, they are looking for answers to some of life's biggest financial questions. They are searching for advice on more than just what stock to buy or which mutual funds to put in their 401(k). They want guidance from knowledgeable professionals who truly understand them; a team that can create a plan that envisions their life goals.

If that describes your situation, we invite you to explore a relationship with Personal Financial. We're a different kind of financial firm. When you work with us, you benefit from a comprehensive approach to wealth management that helps you gain confidence and control over your financial life.

Each of our clients is unique, so the solutions we develop for them are unique as well. Whether you are managing an unexpected inheritance, planning for retirement, creating a plan to transfer wealth to your children, or have other concerns, we provide honest, unbiased and independent advice that is focused on your life and designed to help you thrive. Our fee-only, experienced financial planners become your personal financial team, so that you can have the confidence and security of knowing that there will always be someone there to help you when you need to make important financial decisions.

The six ingredients of our personal relationship with you:

  1. Real people who can help you answer life's difficult questions
  2. A well-informed and educated team that's always there when you need them
  3. A commitment to understanding your personal needs
  4. A long-term relationship to achieve your long-term goals
  5. Sound referrals to other professionals
  6. Honest, timely and holistic advice

The Difference Between a Broker and a Fee-Only Planner

Many so-called "financial advisors" are actually stockbrokers. These individuals make money when they sell you a product. They have no obligation to recommend products that are the best fit for you. A broker's true loyalty lies with the firm that employs him, not with his clients.

Fee-only advisors are different. They only make money from fees paid directly to them by the client, and they don't take commissions. In this situation, the advisor's loyalty is to the client, not to a big financial services firm. Fee-only advisors have a fiduciary responsibility to their clients. That means that they are required to act in your best interests at all time.

At Personal Financial, we are independent fee-only financial advisors. As fiduciaries, we work for you, not a huge company. Your interests are our interests. That's the promise we make to you.