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Services

Fiduciary Guidance You Can Trust

As a Certified Financial Planner™ practitioner at California Financial Advisors, a registered investment advisory firm, Kayla provides financial advice using the fiduciary standard of always putting your best interests first. With a comprehensive approach to wealth management, she develops personalized strategies tailored to each client’s goals and circumstances. Every recommendation is made with your best interests at the center, ensuring you remain the top priority. ​

Retirement Planning & Analysis

Retirement plans consider income needs, long-term objectives, and the need for margin for error. Your plan is stress tested through various market conditions, helping you feel confident and secure through every stage of retirement.  

Curated Investment Portfolios & Ongoing Management

Investment portfolios are carefully tailored to your risk profile, timeline, and tax situation. Routine reviews and strategic adjustments ensure portfolios remain aligned with personal goals, adapting seamlessly to both market shifts and life transitions.

Estate Planning Coordination

Estate strategies are coordinated with your attorney to ensure accurate account registrations and beneficiary designations. This alignment supports your legacy and wealth transfer goals, creating a smooth transition for the next generation.

Questions Kayla Can Help Answer

  • ​Can I retire at 65 years old?

  • Should I choose a monthly pension or a lump sum?

  • What should I do with my previous employer’s 401K?

  • When should I file for Social Security Benefits?

  • What is an appropriate allocation for my portfolio? 

  • Should I invest in a Roth or Pre-Tax account?

  • How can I minimize taxes on my investments?

  • What strategies should I employ with employer stock?

  • What is the best way to be a good steward of my inheritance?

  • When is the right time to save for my children's education?

Kayla Rae Fernandez, CFP® 
Financial Advisor

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This website is not an offer to buy or sell any securities or securities product or to participate in any specific investment strategy.  There is no guarantee that any investment strategy will generate a profit or even a loss.  Investing in the securities markets involves risk, including loss of principal. Examples on this website are for informational purposes only. All recommendations will vary by client and should be discussed with an individual financial adviser before action is taken. The examples on this website are sample recommendations only and may not apply to your individual financial needs.

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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.”
 

The 2024 CNBC FA 100 ranking was published on October 2, 2024. The methodology used for this ranking can be found here. Financial advisory firms, including CFA, did not pay any compensation to be considered for this ranking. CNBC requires firms to pay a licensing fee for the use of the CNBC FA 100 logo in marketing materials.

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