Mira Ma
CFP®, RFC®, EA
Aspire Planning Associates, Inc.
Managing Partner & Chief Compliance Officer
Mira Ma
CFP®, RFC®, EA
Aspire Planning Associates, Inc.
Managing Partner & Chief Compliance Officer
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Mira Ma, CFP®, RFC®, EA
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, Mira Ma & 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.
Throughout her professional life, Mira Ma has found her biggest gratification in helping people increase their options and improve their quality of life. She first tasted the satisfaction while working in real estate and helping families buy their first (or second or third) home. However, she wanted to have a deeper, most lasting effect, and so she made the transition to financial planning. Today she enjoys helping clients increase their options in multiple areas of their lives—not just enabling them to buy homes, but also to save for their retirement, pay for their children’s education, and everything else they aspire to.
Since making the transition to financial planning in 1999, Mira has gained a broad experience that she now puts to use daily at Aspire Planning Associates. She initially spent 10 years working behind the scenes for an independent broker-dealer, where she handled all aspects of operations and compliance. And before co-founding Aspire Planning Associates, she opened Marim Financial Management, where she advised her clients on financial and real estate transactions. Today she draws on that experience as Vice President and Chief Compliance Officer at Aspire Planning Associates. But it is still the experience of helping her clients achieve their dreams that provides the most satisfaction for Mira. She truly loves the opportunity to build long-term relationships that her career provides.
Mira Ma is a Member of the National Association of Personal Financial Advisors
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.
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.
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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Mira Ma 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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Mira Ma 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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Mira Ma 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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Mira Ma is a Registered Financial Consultant (RFC®)The Registered Financial Consultant (RFC®) is a professional designation awarded by the International Association of Registered Financial Consultants (IARFC) to financial consultants who meet the high standards of education, experience and ethics. Founded in 1984 International Association of Registered Financial Consultants IARFC is a non-profit professional association formed to foster public confidence in the financial services profession, to help financial consultants exchange planning techniques, and to recognize practitioners who are truly committed to ethical standards and continuous professional education.
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Mira Ma is an Enrolled Agent (EA) with the IRSAn enrolled agent is a federally authorized tax practitioner empowered by the U.S. Department of the Treasury to represent taxpayers before the Internal Revenue Service. Enrolled agent status is the highest credential awarded by the IRS.
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Mira Ma Serves as a Speaker Liasion for the FPA NorCal Conference Committee
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Mira Ma is a Current Member and Past President of the Financial Planning Association of Silicon Valley
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Aspire Planning Associates CFP’s Mira Ma and Evor Vattuone Discuss "Real Estate And Your Retirement Plan" on Real Estate Radio Live
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Mira Ma is Quoted on Nasdaq.com: "3 Tips for buying your first home"
Contact Mira Ma
Office Locations:
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1900 S. Norfolk Street Suite
# 350
San Mateo, CA 94403
