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lifestyle driven financial planning 

and wealth management


CONTACT US






Our Philosophy

We believe that a life driven by your most meaningful passions and ambitions is a successful one. 

Sound financial planning should enhance your lifestyle with more options and time to enjoy life's most worthwhile moments.




Planning Services

Life is a journey that rarely follows a straight line. When planning for something as important as our future, you will need more than a starting point and destination for reference. 

Making smart financial decisions is key to growing, protecting, preserving and using our wealth wisely. We can work with you to build plans around specific episodes in your life, or provide you with comprehensive planning on a one-time or ongoing basis. Click the options below to decide which of our planning services are right for you.



For advice on a specific life events and financial decisions

No long-term contracts or commitments, no account minimums. Just straightforward advice as-needed, on-demand, on a pay-as-you-go basis. Everything starts with a discovery conversation. 

Schedule your Complimentary Discovery Call Today

*Hourly rates vary by advisor experience. Rates range from $100 to $325hr


 Episodic Planning Topics

  • Changes in Family Structure
  • Birth of Children
  • Starting/Selling a Business
  • Job & Income Changes
  • Liquidity Event Planning
  • Income Tax Planning

  • Sending Kids to College
  • Caring for Aging Parents
  • Gifting or Receiving Gifts
  • Retirement Planning 
  • Charitable Planning
  • Estate & Legacy Planning


For getting the entire financial house in order

A comprehensive financial plan aligns all components of your personal finances with your highest ranked goals, values and priorities. Facilitated coordination between your team of advisors improves communication, enhances their collective advice and improves decision making.

Schedule your Complimentary Discovery Call Today

*Pricing based on complexity. Plans range from $3,500-25,000


List of Comprehensive Planning Areas

  • Goal Planning
  • Cash Flow Planning
  • Income Tax Planning
  • Investment  Planning
  • Risk Management & Insurance
  • Estate Planning 
  • Education Planning
  • Retirement Planning

Management Services 

Life gets busy. With demands on our time and a perpetual list of things that must be done, we have less free time to spend on the things we enjoy most. 

With a plethora of do-it-yourself tools, managing your own finances is convenient, but the experience of managing them cohesively & effectively as part of an overall plan is difficult and time consuming. Pillar6 Advisors can assume complete responsibility for the management of your financial life in a professional & fiduciary manner, saving you time and effort, while improving results and peace of mind that your financial house remains in good order.  



Your finances on track

For people who want to keep their entire financial house in order for the highest degree of confidence of reaching their financial goals, our ongoing financial management services ensure that your finances are always organized, current and on the right track.

*Pricing based on complexity. Financial management services range from $5,500 to $50,000

Annual Review
 
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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:

  • Send your child(ren) to the best colleges;
  • Make the best use of your personal financial resources;
  • Reduce the overall cost of college through financial aid & tax savings;
  • Create a Best Strategy to pay for college and preserve assets & income for retirement

Learn about our college Services, Pricing and View Sample Reports HERE


 

What's your College Strategy?

GET YOUR COLLEGE REPORT



Investment Management


You work hard for your money – you spend some right away, lose some to taxes, save some and invest the rest. But do you know exactly where your money is going and whether you can keep more of it? Do you know if your money is working harder than you or the other way around? Pillar6 Advisors will make your money work up a sweat. 

Our proven investment advice and management will help you grow your money, improve investment returns and keep more of what you earn, so you can confidently afford the things and experiences you’ve always wanted. You can be as involved or hands-off as you like. If you want to get involved in fine-tuning a grueling workout regiment for your money, receive regular progress reports, or simply enjoy the dividends of a stronger, leaner portfolio, we’ll gladly partner up or take the lead.    

Do you do the same with your finances?



Independent & Fiduciary Advice



         1. Recommend 

  • Our investment team will follow a thorough and objective process to review all of your existing investments, and offer clear and effective recommendations in areas of improvement. 

  

         2. Implement 

  • Even the best recommendations can be rendered useless unless action is taken to implement them. We'll work with you to implement our recommendations toward your financial goals.


         3. Manage

  • Regardless of what happens in the economy, the stock market, in politics or in events around the world, you will have the peace of mind that your investments are diversified, protected and working correctly. 


Independent Insurance Advice


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 Pillar6 Benefits & Insurance Services to handle your insurance needs. However you choose, you’ll be in good hands.


Products and Services


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.


Insurance for Individuals

  • Disability Income
  • Long Term Care
  • Life Insurance
  • Policy Audits

Insurance for Businesses

  • Group Medical 
  • Key Person & Buy Sell
  • Executive Carve Out Plans
  • Policy Audits

Quote & Apply


We Are:

Fiduciaries

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


Independent

Maintaining our independence from corporate affiliation affords us the independence of thought & choice to chose the best fitting products and services for our clients

Comprehensive

We ask thoughtful questions and then we listen, before giving advice. Having a comprehensive mindset is important when making important financial decisions.





James Anadon Photo James Anadon Hover Photo

James Anadon

Portfolio Manager
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James Anadon

Portfolio Manager


"One of my greatest qualities is my ability to listen. As a trusted advisor, listening closely to your needs gives me the depth of understanding to guide our investment decisions and inform you of the options that directly align with your goals."

After working for a major Wall Street firm, James realized that his personal & professional standards are better aligned with an independent, comprehensive & holistic firm to serve his clients best interests.

Whether you need investment ideas for your business, income in retirement, are focused on growth, or leaving a financial legacy for the rising generations, James prides himself on effectively informing our clients about their options and connecting them to sound investment solutions for their individual needs.

James lives in Walnut Creek with his fiance, Letty and their playful pup named Kalvin. James is an avid outdoorsman, who likes to go "off the grid" to connect with nature and get centered. 

Robert (Bob) Burton Photo

Robert (Bob) Burton

Advanced Planning
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Robert (Bob) Burton, LLB CLU ChFC AEP

Advanced Planning


A graduate of Yale University and Columbia Law School, Bob has had a long and distinguished career in the life insurance industry.  For 20 plus years, he was New York Life’s West Coast Senior Advanced Planning Consultant and then spent four years as VP of Management Compensation Group-SF, specializing in non-qualified benefit plans for large corporations.  

He then became a NYL agent and later affiliated with The Silver Group, which joined Provada Insurance Services in 2006 where he was Director of Advanced Planning until 2012, when Provada was taken over by another firm that changed the direction of its operations.  

He is now an independent agent under the name, Burton Insurance Services and works closely with Pillar6 Insurance on complex estate and business planning cases.

An award-winning author, singer and a prolific speaker, he has lectured before numerous estate planning councils and other industry groups, at several estate planning symposiums, including the Practicing Law Institute’s 37th Annual Estate Planning Institute in San Francisco, twice at MDRT and twice at the Association for Advanced Life Underwriting, to both CPA and FPA organizations, and at several CLU Institutes and Symposiums.  A member of three San Francisco Bay Area estate planning councils, he is a former President of the San Francisco EPC and is a past Board member of the National Association of Estate Planners & Councils, which awarded him the Accredited Estate Planner designation.  
Bob is also very active in community affairs and is a former two-term Mayor of Mill Valley; he currently still serves on three appointed public boards in Marin County.



Pat Carroll Photo Pat Carroll Hover Photo

Pat Carroll

Sr. Portfolio Manager
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Pat Carroll

Sr. Portfolio Manager

"Having been in the investment business since 1986, I can honestly say I’ve never enjoyed my job more, never been more excited about working with my clients."

Pat has always been a reserved and observational person. This part of his personality allowed him to notice and examine developing trends taking place around him and around the world. Today, he's incredibly excited about the technological innovations happening all around us including in our own profession. 

When coupling innovative tools with his experience, perspectives and 30 years of investing for his clients, he feels more effective than ever at providing unbiased and independent advice to clients looking for his unique approach to investing.

While all of his clients have different needs and goals, they all have one thing in common; they all appreciate his  systematic, common sense approach to managing their money.

When Pat is not hard at work, together with his wife Sarah, they travel, play golf, enjoy fine food and wine with friends and loved ones; and they look forward to having his daughter Crystal make them grandparents one of these days!




Roman Polnar Photo Roman Polnar Hover Photo

Roman Polnar

Founder & Principal
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Roman M. Polnar

Founder & Principal


"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 17 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 as a solo-advisory practice 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 Francisco with his wife Sabina and their two kids, Ellie & Zev. When not running the firm or working with clients, Roman can be found enjoying the outdoors with his family at their cabin near Yosemite, volunteering his time in support of small-business and childhood education non-profits, or setting new endurance challenges like swims from Alcatraz, Triathlons and long bike rides that give him time to think and reflect.

Dr. Lawrence  Souza Photo Dr. Lawrence  Souza Hover Photo

Dr. Lawrence Souza

Economist
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Dr. Lawrence (Larry) Souza

Economist - Advisor


"I dedicated my life to Academia to understand how the world works so that I can inform others to make informed decisions to improve their lives, which has given my life tremendous meaning and personal satisfaction."

Dr. Souza has 26 years of experience in the commercial real estate and financial services industries. Prior to working with Pillar6 Advisors, LLC he worked for Charles Schwab Investment Management as a Managing Director of Index Services. He's also served as Chief Economist and Managing Director of Global Real Analytics.

He holds multiple graduate degrees in finance, economics, public administration, political science, and information systems; and a Doctorate Degree in Business Administration/Corporate Finance.  Dr. Souza applies his experience as an adjunct professor of corporate finance & economics at the University of San Francisco, Golden Gate University and Saint Mary's College. As a Sr. Economist & Advisor, he contributes his perspective to shape our financial & investment strategies and provides strategic advice to clients.

Dr. Souza is a frequent speaker in the real estate, development and finance community. 

Dr. Souza lives in Pacifica and on occasion may be spotted catching a wave on his surfboard and admiring the Mavericks from a safe distance. 

Resources At Your Fingertips 


Seeing your money in one place is easy: 


 eMoney 360°

To access your personal website for a 360 degree view of your finances

Pillar6 Connect    


Investments 

To access your personal investment accounts direct from the custodian

TDA Client Login



Insurance

To quote and apply for personal insurance in one and simple portal

Pillar6 Insurance


Upcoming Events



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Where will the road take you?


Ask us a question or share your story - we are here