We Believe in...
Living Life Fully!
A life that's driven by vision, purpose, and passion!
Let's align your finances with your vision!
Living Life Fully!
A life that's driven by vision, purpose, and passion!
Let's align your finances with your vision!
Life rarely follows a straight line. So be intentional and flexible in your planning!
We understand that life's journey is seldom linear, and planning ahead requires more than a destination. Our Financial Planning & Advisory services are designed to help you make informed and thoughtful decisions about your money by aligning your finances with your life’s goals, values and priorities.
We start by asking deep questions and listening—intently. Seeking to understand who you are, what you value, how you want to live, and what you care about most.
Then, we create a tailored financial roadmap that aligns your present financial situation with the life you want to live.
We go beyond the usual "investments centered" approach to get your entire financial house organized in an elegant & highly functional order.
Having a comprehensive financial plan (one that aligns all components of your finances with your goals, values and priorities) is the best way to get the highest use of your money, reach financial freedom & enjoy lasting security.
A comprehensive plan also helps improve coordination with your other key advisers, facilitating a culture of teamwork rather than a "siloed" experience, improving the value of advice and removing the usual friction points of a disjointed team.
If you feel its time for a financial check-up, a second opinion, or if you're ready to pull all the pieces of your financial life together into a coordinated plan, lets talk ...
Schedule your Complimentary Discovery Call to see if our Financial Planning Services are right for you
* Financial Plans and Advisory pricing is based on complexity & planning time. Plans range in price from $6,500-30,000 or you can choose to work with us incrementally on an hourly basis.
Get a 360° view of your finances in a single dashboard...
...and engaging tools to help you visualize your money and the impact of various financial decisions & outcomes
No management fees, no account minimums, no commitments, no account transfers. Keep everything as it is, where it is. Just make it work better!
This investment guidance service is designed to assist do-it-yourself investors who seek better performance, lower cost, and higher confidence in their investment decisions.
Get professional investment managers best thinking and insights about the economy, investment markets, portfolio construction and asset class rankings to help you construct better portfolios.
Click HERE to learn about it and see if its a fit!
*This visual representation is from a previous market update and is not to be used as advice or recommendation. It is used for example & educational purposes only. Dynamic Asset Level Investing (D.A.L.I.) is an investment tool providing dynamic snapshots of asset classes in a Relative Strength based matrix.
Want to see how your portfolio stacks against the processionals? Take a Risk Assessment Quiz , enter your portfolio details, and we'll send you a Full Investment Assessment Report with Your Investment Grade and ranking of your current investments.
Or schedule a Complimentary Call with an Investment Advisor today. No cost, no commitment, just a friendly call to answer your questions and see if this is a good fit.
*Investment planning rates vary by advisor. Rates range from $120 to $475/hr
The cost of sending a child to the best colleges in America today exceeds $280,000 over four years ($400,000 after tax). And what most families spend on college they won't have for retirement. As college approaches, pressure and uncertainty begin to mount as families start looking for direction, answers and solutions - regardless of their income levels or assets.
Unfortunately, only a very small fraction of best financial advisors in America have educated themselves on how to advise people on their best strategy to pay for college and preserve assets and income for retirement.
Meanwhile, parents send their children to college, paying more than ever, regardless of their economic conditions year-after-year. Determining a family's best strategy to pay for college requires expertise in college admissions, financial aid, tax strategies, investment management and financial planning. Knowing how to bring together the expertise in all of these areas and arrive at the best strategy is complex and requires a rare skill set. Pillar6 Advisors are here to help.
Learn how to:
Schedule your Complimentary Discovery Call Today or Look up our online courses for College Bound Families
Life gets busy. Demands on our time and a perpetual list of things that must be done, leaves us with less free-time to spend on the things we enjoy most.
Having online tools for managing parts of our finances is convenient, but managing all of them effectively, as part of a plan, can be a challenge. Pillar6 Advisors can assume complete responsibility for the management of your financial life in a professional & fiduciary manner, saving you time and effort while providing you with a peace of mind knowing that your financial house is in good order.
Our investment team is here to help you grow & preserve your money, improve your investment experience, and ensure that your money is working for you, so that you can confidently live the life you want.
You can be as involved or hands-off as you like. We will gladly invite you to take an active part to see what and how we manager your money, or take the lead and report regularly keep you in the loop.
Either way, our Investment Philosophy is simple but sound
"We believe in diversified, low cost investing with a tilt toward areas of relative strength"
If you want to keep your financial house in good order and to have the highest degree of confidence in realizing your life goals despite life's ongoing changes; we can help. Our comprehensive Financial Life Managment ensures that your finances are always organized, coordinated and on the right track.
We'll facilitate the coordination of your entire financial life with your team of subject matter experts - including your tax, legal, investment, insurance, and personal advisors to ensure that important decisions are considered from different perspectives.
We can insure against anything these days, loss of income, car accidents, personal theft, health and those of our pets. You can even insure yourself against the unlikely chance of being struck by lightning or abducted by aliens – strange, but true. There is no shortage of things you can protect in your life. But do you need every insurance policy out there? Do you know which ones are best suited for your lifestyle?
Our Pillar6 Insurance specialists will help you identify risks that can realistically and significantly disrupt your lifestyle, rank them in order of importance and make recommendations to create a comprehensive safety net for you and your loved ones.
Do you do the same with your finances?
We can work with your existing insurance advisors to implement our recommendations, or you can use our Pillar6 Benefits & Insurance Services team to handle your insurance needs. However you choose, you’ll be in good hands.
Whether you’re in the market for new insurance or already have policies in place, we’ll review & provide advice on your existing plans or find a better fit.
The fiduciary standard of care is the highest legal standard requiring duties of good faith and trust. As fiduciaries we always (a) act in the best interests of our clients, (b) avoid conflicts of interest, (c) have full transparency with fees and compensation.
Maintaining our independence from corporate affiliation affords us the freedom of thought & choice to select the best products and services for each of our clients individually.
We ask thoughtful questions and we listen before giving advice. Having a comprehensive mindset is important when making important financial decisions.
"I love helping people as much as I love the practical aspects of our profession. Having worked with hundreds of families over the past seventeen years, I am blessed to have become a part of their lives."
Roman has over 22 years of experience in the financial-services profession working for some of the nation’s most recognized names. But after ten years in the corporate world he left to build an independent firm that would do things differently: A firm that would listen to people, before giving advice. A firm that would do right for their clients without compromise in favor of corporate profits. A firm that would build life-long relationships based on thoughtful guidance, honesty and integrity.
Pillar6 Advisors LLC was born out of that vision in 2010 and continues to grow today with a dedicated team supported by a vast professional network working together for the benefit of their deeply connected & loyal clients.
Roman lives in San Mateo with his wife Sabina and their three kids, Ellie, Zev & Gabriel. When not running the firm or working with clients, Roman can be found enjoying the outdoors with his family , volunteering his time in support of small-business and childhood education non-profits, or setting new endurance challenges like swims from Alcatraz and long cycling adventures that give him time to think and reflect.
To schedule a complimentary consultation click HERE
Insurance & Risk Management
As a musician, my best moments have been at live events when the music touches someone so deeply it takes on a life of its own. It becomes a connection, a relationship, a comfort.
My mission is to help individuals, families and small businesses make informed decisions about insurance that can help protect their health and financial well-being. It takes connection and relationship to accomplish this. Knowing you have the right coverage to protect your health and minimize risk to your income or business provides great comfort. There is an art to providing that depth of “peace of mind."
After years of working with a software start up company, Carl learned a great deal about patience, listening, and wearing many hats. Around the time that the demands of the company would have forced him to leave the Bay Area, he was speaking with his insurance advisor about changes he needed to make. His advisor suggested to Carl that his thoughtful nature would make him a great insurance advisor. That conversation sparked the beginning of a new career and 12 years later, Carl still loves intently listening to his clients to understand their needs and find the best solutions to fit them.
Joining Pillar6 has enabled Carl to expand the scope of his work by partnering with a robust team of like minded professionals that always put their clients needs first. Whether it is personal Life Insurance, Disability, Long Term Care, or Employee Benefits for closely held businesses, Carl looks forward to exploring the options with you.
Carl lives in San Francisco, with his wife Ellie, daughter India, and twin boys, Leroy and Evan. When time permits, Carl still enjoys playing music, running, cooking, and of course participating in as many of the children's adventures as we can fit in.
To schedule a complimentary consultation click HERE
As a mom of three and a military spouse of 13+ years, Tove's superpower is finding a solution to any given problem. Even if she doesn't know the answer, she's confident in her ability to quickly track it down. Tove has lived in three out of four corners of the US in addition to Norway, England, and Germany. In each place, she's been blessed to make local friends who have become like family, which means she always has a reason to return. She firmly believes that even when circumstances get tough, we can always find a bit of humor and goodness in life!
Prior to joining Pillar6, Tove (pronounced Tovah) worked as a Designer and Art Director in the transportation, fashion, and home decor industries in addition to running a successful school photography business. She has nearly 20 years experience collaborating with, listening to, and implementing the ideas of others into a tangible product. Her goal in any interaction is that you would leave feeling heard, understood, and encouraged.
Tove lives in Nampa, Idaho, with her husband and three children. During her free-time, you can find her volunteering at her children's schools and sporting events, eating her husband's delicious cooking, and reading in the sunshine.
Caitlin's passion for helping others dates back to her pre-professional days. Whether she was delivering meals to the elderly through her involvement with Meals on Wheels or volunteering at her local church; she has always enjoyed being present in her community.
With over a decade of financial industry experience, Caitlin brings a passion for continuous learning and process improvement to Pillar6. Most recently in the role of a project manager for a real estate division, Caitlin enjoys driving business outcomes based on team collaboration and communication. As an Air Force veteran, she infuses her work with remarkable adaptability and unwavering integrity.
Caitlin lives in coastal North Carolina with her husband, Scott, and their 3 dogs. Outside of work, she enjoys boating and fishing on the Intracoastal Waterway, traveling internationally, DIY home renovations and she is currently attempting to learn how to golf!
