Jennifer Cray


Investor's Capital Management, LLC

Financial Advisor

Jennifer Cray


Investor's Capital Management, LLC

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Jennifer Cray, CFP®, MBA

(866) 966-9291

Fee Only Financial Planner Located in Menlo Park, CA and Serving Entire San Francisco Bay Area

Jennifer Cray is a Menlo Park, CA fee-only financial planner. Investor's Capital Management, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Jennifer Cray is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Jennifer Cray, CFP® - Partner

Growing up in a family of teachers and writers isn’t the usual recipe for becoming a financial planner. But while studying journalism in college, I came across a magazine article that explained the miracle of compound interest. The article had an illustration of a young woman sitting on a big nest egg, compared with an older gentleman sitting on a smaller nest egg. She started saving early, at just $100 a month. He started saving much later, at $1,000 a month. Here’s the miracle part: She will retire with more money.


The notion that small actions can make a huge difference to our financial health captured my imagination. I went on to pursue a career in newspaper editing, and later the Internet industry. But all the while my fascination with personal finance grew into a passion to help other people with their finances.


Now as a partner at Investor’s Capital Management, I specialize in helping working individuals and families. Most grew up middle class and have worked hard to take care of themselves, their families and their communities. Now they find themselves with money, yet have no desire for the Lifestyles of the Rich and Famous. They’re basically the same people they were when they were young, cash was tight, and they slept on futons and ate cup of noodles.


Today they’re smart, busy professionals who want to be in control of their financial lives but don’t have the time to keep up with all of the complexities. My mission is to guide my clients through their financial responsibilities while pulling together their finances into an organized plan for the future. And I make sure we’re having fun along the way.

Background and Qualifications

Prior to joining ICM, I worked at E*TRADE Securities as a senior product manager, creating online stock and option trading tools. I hold a B.A. degree in Print Journalism and a Master’s of Business Administration degree, both from the University of Southern California. I received my certificate in Personal Financial Planning from UC Santa Cruz Extension. I am also a graduate of Phillips Academy in Andover, Mass

I am a Certified Financial Planner (CFP®) practitioner and a member of:

  • National Association of Personal Financial Advisors (NAPFA), a nationwide association of independent, fee-only financial planners
  • Silicon Valley Chapter of the Financial Planning Association (FPA)
  • Board of Directors for Palo Alto-based Financial Planning Forum (2007-2010)
  • FPA Norcal Conference organizing committee (2004-2011)

My husband, who is a high-school English teacher, and I live in Palo Alto. We have two daughters, one in middle school and one in college.

Jennifer Cray is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s 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

Our clients have been in your shoes. As a team of dedicated, fee-only financial advisers we have helped them achieve their goals. We have a passion for providing advice to help individuals and families build secure financial futures and pursue their passions.

We understand that achieving goals requires discipline and balance. As your financial partner, we combine smart asset management with personalized financial planning to create your plan. This allows you to focus on the things you love while building your financial confidence for moving forward.

You don’t have to be born wealthy to build a secure life. Clear, independent and objective advice from a fee-only advisor can move you from endless worrying to feeling secure about the future. We believe that small actions over time can make a huge difference to your financial health. And we stand with you to build that future!

Meet Julie Schatz, Partner at Investor's Capital Management

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


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

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

Professional Designations & Affiliations

Contact Jennifer Cray

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Office Locations:

  • 1100 Alma St.
    Suite 200
    Menlo Park, CA 94025

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