Shalmali Kulkarni

CFP®, CSLP®

Rowling & Associates LLC

Financial Planner

Shalmali Kulkarni

CFP®, CSLP®

Rowling & Associates LLC

Financial Planner

As a fee-only financial planner, my goal is to provide you with customized financial advice that is best suited to your specific needs or situation. - Shalmali Kulkarni, CFP®, CSLP®

Fee-Only financial planner located in San Diego, CA, serving clients locally and across the country

Shalmali Kulkarni is a San Diego, CA fee-only financial planner. Rowling & Associates LLC provides comprehensive financial planningwealth management, and tax services to help clients organize, grow and protect their assets through life’s transitions.  As a fee-only, fiduciary, and independent financial advisor, Shalmali Kulkarni is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Shalmali Kulkarni Shalmali joined the team as a financial planning intern in May 2017 and has since moved her way up to a Financial Planner. She completed her Masters in Financial & Tax Planning from San Diego State University in 2018 and became a Certified Financial Planner™ in 2019. Her primary responsibilities include creating detailed financial plans for clients and answering any ad hoc planning questions related to their finances. She also works largely with next-gen clients to help them get organized in their finances and start on their journey to investing. Shalmali enjoys tax planning and assists the tax team whenever required.

Her industry associations include:

  • National Association of Personal Financial Advisors (NAPFA)
  • Financial Planning Association (FPA)
  • Jewish Community Foundation San Diego Trusted Charitable Advisor
  • Certified Financial Planner™

Shalmali Kulkarni 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.

WE ARE ALWAYS LOOKING OUT FOR YOUR BEST INTERESTS

Rowling & Associates provides fee-only, tax-efficient financial planning and investment advice.  We don’t earn commissions on any recommendations and adhere to the strict fiduciary standard. We hold prestigious designations such as Certified Public Accountant (CPA), Personal Financial Specialist (PFS), and CERTIFIED FINANCIAL PLANNER™ (CFP®).

A Registered Investment Advisor (RIA), we are regulated by the Securities and Exchange Commission, which audits firms every six to 10 years on average. You can sleep well at night knowing that we act out of “fiduciary duty,” the obligation to put your interest first. The financial industry has recognized Sheryl Rowling and her previous firm, Rowling, Dold & Associates, with several awards such as:

  • The CPA Wealth Provider Financial Planning Award of Excellence for three consecutive years
  • Best Personal Wealth Managers by San Diego Magazine
  • “Top American Financial Advisors,” Worth
  • “Top 50 Women in Wealth Management,” Wealth Manager
  • “Top 100 Most Influential People,” Accounting Today
  • Best Managed Firms, Schwab

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

  • National Association of Personal Financial Advisors (NAPFA)
    Shalmali Kulkarni 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.

  • Certified Financial Planner (CFP)
    Shalmali Kulkarni 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.

  • Dimensional Funds
    Rowling & Associates is an Approved Dimensional Funds Advisor

    Dimensional believes an advisor can work closely with you to understand your financial needs and provide a range of wealth management services, while encouraging the discipline essential to long-term investment success. Financial advisors who work with Dimensional operate independently from Dimensional and vary in the extent to which they use Dimensional funds.

  • Financial Planning Association
    Shalmali Kulkarni 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.

  • Certified Student Loan Professional (CSLP®)
    Shalmali Kulkarni is a Certified Student Loan Professional (CSLP®)

    Financial Advisors having earned the Certified Student Loan Professional designation (CSLP®) understand the complexities of the student loan repayment options and have the advanced knowledge required provide to high quality student loan repayment planning advice within the scope of a holistic financial plan.

Contact Shalmali Kulkarni

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Office Locations:

  • 8889 Rio San Diego Drive
    Suite 202
    San Diego, CA 92108

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