Francisco Ayala
CFA®, CFP®, MBA
The Coleridge Group, LLC
Financial Life Planning
Francisco Ayala
CFA®, CFP®, MBA
The Coleridge Group, LLC
Financial Life Planning
Use Your Money to Live Meaningful Experiences, Help Others and Take Care of the Planet - Francisco Ayala, CFA®, CFP®, MBA
Live free of consumerism, give generously, be a good human.
The Coleridge Group is a flat fee, fee only financial planner. The Coleridge Group believes everyone is entitled to professional financial planning and investment management services. We employ a values-based, life-centered approach to financial planning. Our detailed discovery process involves getting to know you first and helping you discover your true self. Our mission is to empower you to maximize your resources and live a meaningful, purposeful life. Your life, not your money, is our focal point.
Francisco Ayala became a financial life planner to help his clients live authentically with financial freedom. Like many, Francisco struggled to find joy in society’s version of well-being. He found endless consumerism draining and lacking true happiness. It wasn’t until a long period of self-reflection and discovering his personal values that he started to understand what it meant to him to live with purpose. With this newfound perspective, he began aligning his money with his true interests and began living intentionally.
His career in the financial services industry spans more than 20 years and includes personal finance, investments and lending. Francisco has a master’s in business administration from the Thunderbird School of Global Management at Arizona State University. He earned the CFA® and CFP® designations. He is a member of the CFA Society of Phoenix, National Association of Personal Financial Advisors (NAPFA), XY Planning Network and Fee-Only Network.
Outside of work, Francisco volunteers with Junior Achievement of Arizona to provide financial literacy to school-aged children. He also serves as a judge for the SIFMA Foundation’s Stock Market Game essay competition. Francisco enjoys traveling and staying active outdoors. He’s an avid hiker and likes to bike, run and swim. He looks forward to his daily mindfulness-meditation practice. Francisco lives in Phoenix with his family.
Why we’re different
- Flat Fee and Fee Only: We are flat-fee, fee-only advisors, which means we are only compensated by you. We don’t receive commissions so we don’t have products to sell you. When you work with us, you’re paying for our unbiased advice based on what’s truly best for you. Our flat fees are determined by the services we provide, not by your portfolio size.
- Financial Life Planning: Financial Life Planning is exactly as it sounds: we put your life at the center of our financial planning process. Through our discovery process, we get to learn who you really are: What’s your why? What lights you up? What keeps you up at 3 a.m.? We go beyond cookie-cutter goals and help you plan for meaningful aspirations.
- Planning for Modern Times: We offer a subscription-based service that allows you to get expert advice in real time. And because we don’t have asset minimums, our advice is available to DIY investors. We leverage technology to provide you with efficient, prompt and high-quality service. Plus, we’re virtual and are able to “meet” you regardless of where you live.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Financial Life Planning
- Cash Flow Management
- Debt Management
- College Education Planning
- Employer Benefits Selection
- Investment Management
- ESG and Sustainability Investing
- Tax Planning
- Estate and Gift Planning
Ideal Clients
- Growing Families
- High Income Families and Individuals
- Yogis and Meditators
- Altruists
- Socially-Conscious
- Minimalsts
- Environmentalists
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Francisco Ayala is a CFA® charterholder
The CFA Program is the most respected and recognized investment management designation in the world with less than 200,000 charterholders globally.
This advisor has earned the Chartered Financial Analyst® designation (CFA® charter) by passing all three of the CFA exams and gaining relevant industry experience, demonstrating their mastery of the investment analysis and decision-making skills most needed in the global investment management profession.
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Francisco Ayala is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® 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.
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Francisco Ayala is a Member of the XY Planning NetworkThe 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.
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Francisco Ayala is a Member of the CFA Institute
The CFA Institute is a global, not-for-profit organization comprising the world’s largest association of investment professionals. With more than 170,000 members and 150 regional societies around the world, the organization is dedicated to developing and promoting the highest educational, ethical, and professional standards in the investment industry.
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The Coleridge Group, LLC is an Approved Dimensional Funds AdvisorDimensional 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 Francisco Ayala
Office Locations:
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11811 N Tatum Blvd. Ste 3031
Phoenix, AZ 85028
