Leal Financial Planning
Fee Only Financial Planner Located in San Jose, CA and serving the entire region and clients across the country
My name is Karl Leal. As a fee-only planner, I am completely independent and I work solely for my clients. I do not sell products, nor do I receive any commissions or third-party referral fees. This allows you to receive objective financial planning advice, without conflicts of interest regarding compensation.
I strongly believe that everyone can and should benefit from professional, objective financial planning and advice, not just those who are wealthy. Many financial advisors accept clients only if they meet certain income and net worth requirements. I believe, however, that professional, objective advice is something all Americans need, at least periodically, to build the brightest financial futures. Holding to this philosophy, I am proud to offer the same quality, professional advice to all clients, not just the affluent. If you simply need a one-time or periodic consultation, I am happy to meet with you on an hourly, as-needed basis.
I am a member of the Garrett Planning Network, an international network of professional, Fee-Only financial advisors. Garrett members are dedicated to providing competent, objective financial advice to people from all walks of life on an hourly, as-needed basis. Nationally recognized Certified Financial Planner™ professional, Sheryl Garrett, founded the Garrett Network to further her vision of making competent, Fee-Only financial advice accessible to all people.
Karl Leal 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
Whether you have a single question or a complex situation Leal Financial Planning is here to help.
We can work with you in any of the following areas:
- Cash flow / budgeting
- Financing / credit
- Financial goal setting & planning
- Education planning
- Insurance planning / risk reduction
- Employee benefits
- Saving / Investments
- Retirement planning
- Special situations: divorce, disability, terminal illness, job loss, windfalls
If you situation doesn't seem to fit in the above list call me and lets talk about who might best serve your needs.
When you're ready to get started please give us a call (408-679-3354)!
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
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
Karl Leal is a NAPFA-Registered Financial Advisor
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.
Karl Leal 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.
Karl Leal is a member of the Garrett Planning Network. Click here to learn more.
Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.
Karl Leal 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.
Karl Leal is a Chartered Retirement Planning Counselor℠ (Learn More)
The Chartered Retirement Planning Counselor℠ or CRPC® designation is the nation’s premier retirement planning credential. The CRPC® program covers all aspects of the retirement process in a single comprehensive program with no product or advising biases.
Karl Leal is an Accredited Asset Management Specialist
Financial advisors and investment managers who hold the AAMS® designation have completed a course of study encompassing investments, insurance, tax, retirement, and estate planning issues. Individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process.
Karl Leal is a Retirement Income Certified Professional® (RICP®)
A professional designation for experienced financial advisors and investment managers who have passed coursework to become experts in retirement income planning. A Retirement Income Certified Professional® helps retirees and near-retirees develop and implement a plan for managing the financial assets they have accumulated for retirement and a set realistic budget to help meet life goals.
Contact Karl Leal
155 E Campbell Ave
Campbell, CA 95008