Insight is exactly that, insightful! Diligent, communicative, friendly and truly goes above and…read morebeyond for their clients. As a second generation investor at insight, I can truly say that their services are unparalleled. Thank you Brian and all at Insight for a great experience!

I meet regularly with my Insight financial planner (always the same person). I am always happy to…read moresee all the financial data, market trends, and potential political disruptions they consider before adjusting my investments. And I appreciate all the guidance they give me on issues such as social security, medicare, required minimum distribution, and tax planning. I feel well taken care of and in competent, knowledgeable hands.

I'm so grateful to be working with Selina Chiu at the San Ramon branch of Charles Schwab. She has…read moretaken personal time, both before and after office hours, to carefully think about the best financial strategies for me. Our meetings in her office are always very thorough and focused on my financial needs. I also feel very fortunate to work with her because she speaks Mandarin, which helps me clearly understand what works best for me under her guidance. There is no better advisor for me. Because of her excellence and dedication, I have already referred a couple of friends to her for initial consultations. I truly enjoy working with her and look forward to continuing for many years to come!

Absolutely the worst experience possible. If you're looking for inexperience, rookie management,…read moreand atrocious receptionists definitely go to San Ramon Charles Schwab . Two days and two hours, trying to set up the account and multiple attempts with tech support we finally gave up. Any money deposited here you will not have access to you funds for 14 days and you will not be able to do any transfers or anything by text. It will all have to be by phone archaic would be an understatement thankfully we did not move forward with working with this group.

I had the opportunity to meet with Chuck D. Gibson and Melanie A. Pelayo with Financial…read morePerspectives. I have to say that I felt very comfortable with both of them right away. I did not feel rushed and they were looking out for my best interest. They asked a lot of questions to get a feel for who I was and what my outlook was on my financial future. They provided great information about my needs on investing and what it would take for me to retire. They continue to service my needs and keep me up to date on my portfolio and give me well thought out investment strategies that I have a say in. They are an independent fee only firm and they do not sell you products like some other financial planning service companies. What I like best is that they make money when I make money. So when you think about it the more money I have to pay them the more money they are making me. Another reason why I like Chuck and Melanie is that I am busy running two businesses. One for profit and the other because of satisfaction. I don't have time to do the financial research nor am I an expert so I rely on them to be my eyes and ears. I leverage my time and delegate the financial stuff to the experts. They provide a great service and help you invest on your own terms. If you want a little or a lot of direction you can have it your way. At Financial Perspectives they believe that outstanding financial planning is the Eighth Wonder of the World. I highly recommend their services you can't go wrong. Tell them Gary W. sent you.

I've had the pleasure of working with Chuck at Financial Perspectives in two capacities. First, he…read morehas been managing my mother's retirement money since around 2009 or so. Second, I've been using his services to learn more about managing my own money. I'm not the kind of person who writes yelp reviews much, but Chuck has been awesome, so here's my experience. . . I'm very involved in my mom's financial situation so I've been interacting with Chuck quite a bit from the beginning. I felt better that my mom having someone professional to manage her money instead of me doing it for her. It gave us both peace of mind, but I secretly felt that I could do just as good as Chuck using a simple balanced portfolio of index funds with low expense ratios, buy-and-hold, then rebalance. So after a few years I compared what how my mom's portfolio did under Chuck's management with performance given what I would have done if I were managing it. I was certain that I would have outperformed since I did not include any fees for my "service." All along, I assumed my mom has been taking a small financial hit in order to get peace of mind of having a pro manage her money. Chuck is super nice, and genuine and my mom likes him, so that was all fine. Well, I was simultaneously disappointed and pleased to find that Chuck's plan did better than mine even including his fees. That bastard! Even though he "passed" my test, that was a fairly silly, and even unfair, test to put him through. Chuck doesn't claim to predict the market to outperform it. His overall philosophy, as I understand it, is to allow your money to grow with the market, but to limit loss as much as possible from major downturns in the economy. He's seen what's happened, for example, with the housing crisis where people lost half of their retirement money, and he made it his mission to prevent that for himself and his clients. My mother and I are very appreciative of that philosophy. I've been quite interested in investing and planning for retirement for many years now. I've read several books and quite bit online, and am part of a finance lunch group at work. I've made several large spreadsheets that help me re-balance my portfolio across asset classes, sectors, etc, while minimizing my expense ratios. I've written code to automatically download financial data online for my spreadsheets. Yes, I'm a math and computer nerd, and finances became somewhat of a hobby for me. I thought I had it all figured out. Recently, I've been talking with Chuck a lot about my investment strategies as part of his services and I'm ashamed to say he has opened my eyes quite a bit. I'm now convinced that this strategy of limiting major losses is both possible and clearly better than my previous strategy of buy-and-hold + rebalance. To paraphrase, portfolios that lose the least are the ones that perform the best. Plus there's less of an emotional roller coaster along the way. It's not some crazy plan that someone cooked up, it's a well studied strategy that he's implemented in way that can be customized to someone's risk preferences. He is super passionate about it, super knowledgeable, and he takes time to explain it well. I'm continuing to work with him to learn how to do it on my own. Since, he's been great managing my mom's money, I'd would let him manage mine, but that would take away one of my few pleasures in life. So for now, I'm using his services to learn how to do it.

Jason and Misty are engaging, knowledgeable, and straightforward. They value your trust and…read morepersonal relationship during the financial planning process. Don't take that for granted. I'd highly recommend Safeguard to anyone reconsidering their portfolio needs.

Jason Lohe, is young and smart, which always pisses me off, but when it comes to handling money,…read morethese are qualities that I value. Jason Lohe, never is motivated by anything but your interests, not his own ego. If you want to hire a financial advisor that you can trust, that won't churn your account, hire Jason Lohe, and his company, Safeguard Financial.

You will always have a great experience with the financial services from this financial…read moreestablishment. (SHIELD FINANCIAL) Randy, always acts in the best interest concerning our financial needs. My wife and I have been fortunate to have found Randy about ten years ago. He always communicates with my wife and I clearly and often, always in an easy and friendly manner. Randy is very trustworthy and professional. Randy and his professional staff always answers our emails and questions in a timey manner. His advice on our financial needs are a great help. Randy does have one main concern, If we ever run into a financial situation we should always check with him to make sure we are making the right decision. Randy is not only a true professional he has also became a good friend.

First, I only gain gratification of sharing my experience with others that are looking for a…read moretrusted Fiduciary Advisor. Bottom line, would I go with Shield Financial and Insurance Services again? Definitely! In March 2022 we attended a Shield Financial and Insurance Services Financial Survival Workshop presented by Randy. Every topic on the invitation was presented in an educational way versus a sales pitch like many of the other invitations we attended. No specific investment and/or insurance products were solicited. We were not pressured to make any decision that day. Instead, Randy informed the attendees that they can call him to attend the six 1-hour individual sessions with him to go over further into what he presented today and handed out a card for attendees to select what financial information they would like to discuss with no obligations. We attended the four 1 1/2-hours individual sessions that were presented educationally and informatively, and each session Randy concluded by asking if we were interested in meeting for the next session with. Each session has a purpose: 1. Inventory - Review your situation to determine if Shield Financial and Insurance Services can help you, if so, give you a high-level picture of the direction Randy recommends, and to see if you like that direction. If you want Randy's help, he'll schedule the next 3 meetings. 2. Education - Make sure you understand the mechanics, the rules, the good, the bad, and the ugly of what is being discussed so you can make an informed decision. 3. Creating the plan - Once the plan is to your liking, you'll take the plan home with you so you can let the plan marinade. 4. Adjust the plan - See if you have any changes you'd like to make to the plan. Once you like the plan, then we're ready to implement the plan. In none of the sessions Randy made no sales pitch to come on board, nor did we feel any sales pressure. The sessions were held as he described they "would be educational and informative". Upon the conclusion of the fourth session Randy informed us we did not need to decide that day to become clients, but instead for us to call him. We took several days to discuss our decision with ourselves and did some research on information presented in the sessions. During this time, Randy held true to his words "to call him" and did not desperately call us with a sales pitch like we received from several past presentations. We scheduled a meeting with Randy to review our financial portfolios since Randy was consistent in being a fiduciary vs a financial advisor. What we really liked about the review: 1. Randy never recommended selling one of our existing investments for an investment he offered. So many others went right to "balancing" my portfolio. 2. Randy presented investment options based on the information that we provided him and again with no need to decide right there and then. 3. Randy directly answered our questions and instead of a reply that did not answer the question. 4. Randy informed us that depending on the meeting we have the option of a phone call, video/zoom call, or meeting in person. We decided to "balance" our portfolios and go with Randy as our fiduciary. In July 2024 we received an e-mail from Shield Financial and Insurance Services regarding an investment opportunity before the Federal Reserve announced interest rates became effective. The e-mail included a video of Randy presenting an overview of the investment opportunity. If interested, there was a link to watch the second video that provided detailed information to make an informed decision. We thought this was a great effective and efficient approach in informing all Shield Financial and Insurance Services clients instead of the time-consuming effort of calling each client and repeating the same information. And with this approach all clients were presented with the same information. We decided to invest in this very limited time opportunity due to when the Federal Reserve announced cutting the interest rates. We were very happy and thankful for the effort the Shield Financial and Insurance Services team made in working long days to process our paperwork with the paperwork for those interested clients to be invested in this opportunity. We are happy with our decision to go with the Shield Financial and Insurance Services team because they are professional, friendly, and return calls in a timely manner. If you receive an invitation to attend a Shield Financial and Insurance Services Financial Survival Workshop do not hesitate to accept because they do fill up quickly. The time is well spent. In fact, why wait call Shield Financial and Insurance Services today.

These guys are simply the best. My wife and I worked through several other wealth management…read moreproviders before finding a home here with Jeremy and the Conversant Wealth Management team. We haven't regretted it and we haven't looked back! Jeremy always ensures that we are valued clients, he keeps us up-to-date with established quarterlycheck-ins, but is always available at any time whenever we have questions or are requesting his guidance. They use all of the most advanced wealth management tools that provide us the ultimate visibility into how we are performing, allowing us to stay on track with our goals and make adjustments in real-time. Highly suggest Conversant for your wealth management needs!

We have used Jeremy as our financial advisor for over 20 years. Cannot say enough good things…read moreabout him and Conversant Wealth Management. We can't imagine where we would be without him. You will be in the best hands with Conversant.