Aspire Planning Associates, Inc.
Chief Executive Officer
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
Real Estate And Your Retirement Plan With Aspire Planning
When it comes to retirement planning the one thing you don’t want to do is make a mistake with your biggest asset. Today Joe invites Aspire Planning Associates CFP’s Evor Vattuone and Mira Ma into the studio to help you avoid common pitfalls in and on the way to retirement. Specific topics include: Dave in San Jose asks if new laws means he should convert his rental property to an LLC Does the market still have legs as it nears 25,000 & stock market risks How the mortgage tax deduction affects people in California What your strategy should be in current market conditions The new tax code Addressing the Bay Area’s equity issue If you wish to contact Joe Cucchiara email him at Joe@RERadioLive.com, call (408)-838-9060 or simply visit www.RERadioLive.com. We also provide additional information to help you make smart decisions in and around your real estate venture. All the information in this podcast is broadcast in good faith and for general information purpose only. We do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information on our website is strictly at your own risk. We will not be liable for any losses and damages in connection with the use of associated information. www.reradiolive.com All Rights Reserved. Copyright 2015. Joe Cucchiara MLO 273084 This is not a commitment to lend. Our team fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. For more information, please visit: http://portal.hud.gov/. Read more at http://radiolive.rerl.libsynpro.com/#xhDOuqiFWVEfL1qw.99
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
Lloyd Yamada 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.
Lloyd Yamada 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.
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.
Contact Lloyd Yamada
Ste vens Creek Blvd
Cupertino, CA 95014