Lloyd Yamada
CFP®
Aspire Planning Associates, Inc.
Chief Executive Officer
Lloyd Yamada
CFP®
Aspire Planning Associates, Inc.
Chief Executive Officer
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Lloyd Yamada, CFP®
Fee-Only Financial Planners serving the Greater Bay Area, in Cupertino, San Mateo & Walnut Creek, CA areas.
Aspire Planning Associates is a Fee-Only financial planning firm serving the entire San Francisco Bay area with offices in Cupertino, San Mateo, and Walnut Creek. Aspire Planning Associates provides comprehensive financial planning, investment management, and tax analysis and preparation to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Lloyd Yamada & anyone working at Aspire Planning Associates are never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Lloyd Yamada started his professional life on a completely different path from financial planning. In his mid-40s, however, his father became ill, and Lloyd retired from electrical engineering to help his mother care for him. That time period proved a crucial one. Lloyd gained an empathy for similar people in transition, and his desire to help them became the springboard for his new career as a financial planner. Today, because of his experience, he understands the need of transitioning clients for strategies that support them as they move into the next phase of their journey. And in his work, he emphasizes steps that can build confidence and support clarity, such as career counseling or new income strategies.
After studying electrical engineering at the University of Hawaii, Lloyd led the navigation products group at Stanford Telecom for nearly a decade. When he transitioned to financial planning, he made it his goal to gain a broad experience by working for as many types of financial planning companies as he could. He aspired to own a practice, and he decided that he would apply the best practices of the companies he worked for while discarding the worst. What surprised him most was how much he enjoyed working with people. It was such a different experience from engineering, where his focus was hardware and software. Now he was building relationships with people, and he was thrilled by how much they appreciated his guidance.
Today, as CEO, Lloyd spends more time running the business than working with clients as much as he used to. Nonetheless, he is grateful for the opportunity to create a lasting firm that helps clients achieve their aspirations. In his role, he oversees the firm’s strategy and revenue base, and he works with his partners to integrate financial planning and investment strategies so clients can continue to build on their wealth’s potential.
You need to know that your wealth is working for you. By extension, that means you need to know that your financial planner is working for you. You can feel confident that we are working on your behalf because we are fee-only, goal-based, CERTIFIED FINANCIAL PLANNER™ professionals.
- Fee-Only and fiduciary: As a fee-only firm, we do not sell products or earn commissions, and as a Registered Investment Advisory firm, we have the legal obligation to put your best interests first. We embrace our fee-only, fiduciary status because it means you can trust that the advice we give is made with only your well-being in mind.
- Goal-based: Your values, resources, and life satisfaction are intertwined. That is why we build investment portfolios to accomplish your goals, not the stock market’s. By doing so, we help you earn the long-term returns you need to fulfill your dreams.
- CFP® professionals: We are all CFP® professionals, which means we have undergone formal coursework, have passed a national certification test, and complete annual ongoing education so you can feel confident about our advice.
We build comprehensive financial plans that incorporate the strategies you need to achieve your goals:
- Investment management
- Retirement planning
- Executive compensation
- Estate and philanthropic planning
- Tax planning
- Education planning
- Insurance and risk management
- Debt management
- Rental and vacation property
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- 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
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Lloyd Yamada is a NAPFA-Registered Financial AdvisorThe 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.
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Lloyd Yamada 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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Lloyd Yamada 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.
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Lloyd Yamada is a Current Member and Past President of the Financial Planning Association of Silicon Valley
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"Lloyd Yamada, CFP®, CEO From Engineer To Financial Planning" as Featured on the Health and Wealth Podcast With Carter and Tim
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Lloyd Yamada is Quoted in UCSC Silicon Valley Professional Education Blog: "Personal Financial Advising: From Boomer to GenX"
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Lloyd Yamada Presented at a Joint Student Forum / Brown Bag Meeting on "Generational Differences in Client Engagement: How to Adapt to Different Generational Needs and Capabilities"
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Lloyd Yamada is Quoted in The Mercury News: "Financial planners advise: Stay the course"
Contact Lloyd Yamada
Office Locations:
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19925 Stevens Creek Blvd
Suite 100
Cupertino, CA 95014
