Nannette Kamien
CFP®, MBA
Cultivating Wealth
Financial Planner
Nannette Kamien
CFP®, MBA
Cultivating Wealth
Financial Planner
As a fiduciary financial planner, I just provide honest advice to help you live an inspired life! - Nannette Kamien, CFP®, MBA
Helping North County San Diego clients dream confidently and make smart financial decisions. We provide flat-fee comprehensive ongoing financial planning, and one-time financial plans.

Nannette Kamien is an Encinitas, CA financial advisor. Cultivating Wealth provides comprehensive financial planning, including college planning, as well as investment management to help women, families, Generation X and middle income clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Nannette Kamien is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Nannette Kamien, MBA, CFP® is a financial planner at Cultivating Wealth.
Before joining the firm, Nannette founded Inspiration Financial Planning, a fee-only firm based in Encinitas, CA. She received her Certificate in Financial Planning from Boston University in 2015 and her Certified Financial Planner designation in 2018.
In addition to financial planning, she enjoys working with families educating them about making smart financial choices paying for college. She wrote a book called Crazy College Money and presents workshops with the University of California, San Diego Extension program.
Prior to changing careers into financial planning, Nannette spent 15 years in Business Intelligence and Information Technology roles. She earned her MBA in 2010 from the Kellogg School of Management at Northwestern University.
Nannette enjoys playing golf and enjoying the beach with her kids in sunny Southern California.
Nannette Kamien 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.
What does financial planning mean to you?
You may have a complex financial life and a substantial investment portfolio. But how does that relate to your financial goals?
- Could you stop working without running out of money? If not now, when?
- Are you working hard but find that your net worth is not really growing?
- Can you afford to pay for a child’s education or other important long term goal?
- Will your family be okay financially if there is a death or disability?
- How should you prioritize financial decisions such as paying down debt, saving for retirement, or buying a home?
While many financial advisors focus on investments, we believe your portfolio is only one part of the picture. We will analyze your personal financial situation, help you set realistic financial goals and develop plans to achieve them.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Flat-fee Financial Planning
- Financial Planning
- Cash Flow/Budgeting
- Education Planning
- Retirement Planning
- Employee Benefits Review
- Investment Planning
Ideal Clients
- Mid-Career Professionals
- Young Families
- Single Women
- Variable Income Professionals
- Pre-Retirees
Working Together
- In-Office Meetings
- Virtual Meetings
- No-Cost Initial Consultation
- Monthly Retainer
- Financial Planning Projects
Professional Designations & Affiliations
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Nannette Kamien 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.
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Nannette Kamien 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.
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Nannette Kamien is quoted on Yahoo Finance: "Bank Or Broker? How To Pick The Right Mortgage"
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Nannette Kamien is the Author of Crazy College Money: Make Smart College Money Choices – Without The Crazy
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Nannette Kamien is Featured on the 529 Conference: "Reader’s Perspective: Question and Answer with Nannette Kamien, MBA, Principal with Inspiration Financial Planning LLC"
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Nannette Kamien is Quoted on My Financial Counsel: "How Much Down Payment Do You Need When Buying Your First Home? – As Seen On Reddit "
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Nannette Kamien is a Guest on Sheepdog Financial Podcast: "Don’t Go Crazy while Making College Choices."
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Nannette Kamien is Quoted on Hera Herald: "Startup Story with Nannette Kamien of Inspiration Financial Planning"
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Nannette Kamien is Quoted on Tiller Money: "The Financial Journey Part 2: Milestones for 34 – 55-Year-Olds"
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Nannette Kamien Can Be Heard on Wine and Dime: "Episode 7: Planning for College with Nannette Kamien"
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Nannette Kamien is Quoted on Tomorrow: "College Savings Plan Options: 529s or Taxable Accounts?"
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Nannette Kamien is Quoted in The Washington Post: "Planning to borrow for college? Then it’s time to clean up your credit"
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Nannette Kamien Can Be Heard on XYPN Radio: "Ep #107: Moving Your Firm Across the Country - The Career of Nan"
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Nannette Kamien is Quoted in Telegraph Herald: "Your money: Mapping your financial future today"
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Nannette Kamien is Quoted in VC Star: "Financial planners aim to align clients' 401(k) account balances with reality"
Contact Nannette Kamien
Office Locations:
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114 W D St Ste 114
Encinitas, CA 92024