Carolyn Masline

CFP®, MBA

CareGen Wealth Management

President and Wealth Advisor

Carolyn Masline

CFP®, MBA

CareGen Wealth Management

President and Wealth Advisor

I love supporting women so they can be more confident, feel less worried, and avoid making mistakes. I’m here to listen and help you get financially organized for generations to come. - Carolyn Masline, CFP®, MBA

650-288-3060

Fee-Only financial planner located in San Mateo, CA, serving clients in the San Francisco Bay Area and across the country

Carolyn Masline is a San Mateo, CA fee-only financial planner. CareGen Wealth Management provides comprehensive and objective financial planning and wealth management services to help women organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Carolyn Masline is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Carolyn Masline, CFP® is a Wealth Advisor and Founder of CareGen Wealth Management, LLC.


Prior to starting my own firm, I was a Vice President with Goldman Sachs, Personal Financial Management in their Silicon Valley, California office. I have worked in financial services since 2006 following an earlier career working in the aerospace industry. I’m a CERTIFIED FINANCIAL PLANNER ™️ professional (CFP®️) and also hold the Accredited Behavioral Finance Professional ™️ (ABFP ™️) credential.

I started CareGen Wealth Management after listening to my clients express their worries and their dreams for the future. I wanted to sit right next to them, hip to hip, charting their bright futures together. During our time together, I listen to them describe what is in their hearts and minds and I integrate this information with an in-depth knowledge of personal finance to provide custom guidance.

Solving particularly complicated problems that involve time, money, investments, taxes, values, and relationships may be one of the most important things I do. I have these types of conversations with my clients in an office or at their home, and often I have these same types of conversations with my family and friends all over the globe. Whether that be the ski slopes of Park City, Utah in between movies during the annual Sundance Film Festival, walking the hills in my hometown of Burlingame, California or over a glass of wine during long weekends in Brooklyn, Phoenix, San Francisco, Santa Barbara, or Orange, California.

Working with clients on brainstorming ways that they can meet their goals and experience more joy in their lives is one of the favorite parts of my job. My ultimate goal is to empower my clients to believe in themselves, make the most of their resources, make smart decisions, and forge better financial outcomes for themselves and the people they care most about.

Carolyn Masline is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

CareGen Wealth Management was founded to provide expertise and guidance to empower women to make better financial decisions for themselves and the people they care about.  We believe that your financial resources should be working for you and enhancing your life.  Our ultimate goal is to empower our clients to believe in themselves, make the most of their resources, enable smart decisions, and forge better financial outcomes for themselves and the people they care most about.

Wealth management services offered include: 

  • Investment management utilizing Nobel Prize winning research 
  •  Systematic investment process 
  •  Retirement planning
  •  Insurance
  •  Estate planning
  •  Tax planning

We provide ongoing financial planning and work in coordination with other professionals as necessary.  Financial planning only engagements including one-time financial plans, hourly projects, or quarterly engagements are available for clients who prefer to manage their own investments.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • Tax Planning
  • Women's Financial Planning Issues

Ideal Clients

  • Retirees and Near Retirees
  • Family Financial Decision Makers
  • Business Owners and Executives
  • Sudden Money Situations
  • Previously "Do It Yourself" Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Carolyn Masline is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • National Association of Personal Financial Advisors (NAPFA)
    Carolyn Masline is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • XY Planning Network
    Carolyn Masline is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Financial Planning Association
    Carolyn Masline is a Member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

  • Dimensional Funds
    CareGen Wealth Management is an Independent Firm Authorized to use Dimensional Funds

    Dimensional believes an advisor can work closely with you to understand your financial needs and provide a range of wealth management services, while encouraging the discipline essential to long-term investment success. Financial advisors who work with Dimensional operate independently from Dimensional and vary in the extent to which they use Dimensional funds.

Contact Carolyn Masline

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Office Locations:

  • 951 Mariners Island Blvd.
    Suite 300
    San Mateo, CA 94404

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