Larry  Frank

Larry Frank


Better Financial Education

(916) 303-7777

Contact Me

Fee-Only Advisor serving the Lincoln, Rocklin, Roseville, Granite Bay CA and surrounding areas.


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


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300 Harding Blvd Suite 103D
Roseville, CA 95678

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Larry Frank is a Roseville, CA Fee-Only Financial Planner serving Roseville and all surrounding areas. Better Financial Education specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Larry Frank is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Larry was born in Duluth MN, and grew up in Cloquet MN. He has a B.S. cum laude in Physics from the University of Minnesota and a Master's Degree in Business Administration (MBA) from the University of South Dakota with a concentration in corporate finance and investments.


Larry retired in 1994 from the United States Air Force as a commissioned officer after a career as a Command Pilot where he flew helicopters, acrobatic jets, and internationally to 47 countries on five continents with large multiengine aircraft. He was also a contingency and war planner during his career as a field grade officer. These experiences showed him how to think ahead and plan for a wide range of alternative possibilities.

Larry has years of financial planning research and real-life experiences showing people personal finance choices that are focused on how to make smart decisions to work towards growing and protecting their wealth, not income. Rather than make things complicated, his work has been focused around simplifying the complexities of prioritizing simultaneous financial planning issues, and their related calculations, so the person's living is sustainable.

A Certified Financial Planner TM practitioner, Larry is also the author of Wealth Odyssey, a book designed to help people make sensible plans for a successful retirement and pursuing their other goals by understanding how financial planning issues are related to each other through wealth. He has research published in the Journal of Financial Planning related to retirement planning.

Larry has served on the Board of Directors for the Financial Planning Association of Northern California, and has appeared in nationally syndicated articles and on nationally syndicated radio (please see below for a partial listing of articles and shows). Larry is a member of the Academy of Financial Services. Larry is also a member of National Association of Personal Financial Advisers (NAPFA), a national association of Fee-only advisers.

His hobbies include reading and travel, especially to El Salvador where he met his wife, Rosa Maria Cáceres. They live in Rocklin, CA and have four children and seven grandchildren.

They speak spanish in their home. Ellos hablan español en su hogar.


Better Financial Education was founded in 1997. The focus is to provide people with a deeper insight into how money works and how to make informed decisions about your financial resources and earnings ... to get you to, and through, retirement.


Money is managed based on sound academic research at the investment level. Plan level decisions are made based on peer reviewed published research. The future is always uncertain, however decisions are possible even in uncertainty.


Work with someone who is actually developing thought and processes that others in the profession are adapting.

Larry is a member of the Academy of Financial Services ( and member of the Financial Planning Association ( (

Office hours are by appointment only. Please feel free to contact me: