Retirement Planning for Business Owners, Professionals, & Retirees

Financial Planning

Retirement Planning

Investment Management

Employee Benefits Consulting

Registered Investment Advisor

Visalia, California

Let's Get Started

“

“Someone is sitting in the shade today because someone planted a tree a long time ago.”

- Warren Buffett

Why Sequoia Financial?

Sequoia Financial is an independent financial planning and investment management firm serving affluent households and local businesses in the Central Valley. Our holistic approach to financial planning is leading to better financial outcomes for our clients.

We consider your income, tax bracket, insurance, estate plan, and more before making any recommendations. A custom portfolio is built for every client and we are always fiduciaries, which means that we will help you select the investments that have the highest probability of achieving the outcomes you want - not sell you investment products.

We exist to build wealth, confidence, and security in the financial lives of our clients.

Fiduciary

We are legally bound to act in your best interest and our business has been built to reflect that.

Our simple and transparent fees have been structured so that when you do better, we do better.

Explore Our Fees

Our Philosophy

Financial Planning is the backbone of what we do and can be seen, in some form, in all of our services. It is the process of working towards financial independence.

You will work one-on-one with an advisor who will get to know you and your money, help you clarify your goals, and develop a long-term plan.

Every year, we will discuss and optimize your tax planning, investment management, insurance, estate plans, employee benefit selections, and more.

We build custom investment portfolios for every investor designed to improve returns, reduce risk, lower taxes, and lower fees.

Let’s Get Started

Comprehensive Services

Financial Planning
Retirement Planning
Investment Management
Risk Management
Employee Benefits Consulting

Meet Schad

Our Clients

We Specialize in Working With:

Professionals

Planning early for financial life goals like retirement, career changes, or starting a family can significantly increase your chances of achieving them.

By simply having a plan for things like taxes and retirement, our clients are keeping more of their money and living more rewarding lives.

Business Owners

We provide employers with strategies to run a financially successful business and to optimize the personal finances of the owner. Strategies include tax planning, retirement planning, risk management, succession and estate planning, and employee benefits consulting.

Retirement plan services include consulting and implementation for traditional and safe-harbor 401(k) plans as well as comprehensive employee benefits packages.

Retirees

We help retirees save on taxes, invest better, and build a plan for all of life's possibilities.

Planning includes strategies for lowering your tax bill, optimizing investments, planning for Required Minimum Distributions (RMDs), social security timing, estate plans, healthcare strategies, and long-term care planning.

Are We the Right
Fit For You?

Are You:

In retirement or within 10 years of retirement?
A business owner looking for an employee retirement plan such as a 401(k)?
Not sure when you can retire?
Wanting to review your employee retirement account?
Looking for help with a rollover?
Recently had a major change in your finances?
Faced with making a major financial decision?

Whether you’re facing a life change now or simply want to explore your financial options, let’s talk.

Schedule a Complimentary Consultation

Our Services, Process, & Fees

“

“The art is not in making money, but in keeping it.”

- Proverb

Services

Financial Planning

Tax Planning
Investment Management
401(k) and Retirement Account Strategies
Risk Management and Planning
Estate Planning
Business Valuation

Retirement Planning

Required Minimum Distributions (RMDs) Planning
Tax Planning
Social Security Timing
Risk Management and Planning
Medicare Strategies
Long-Term Care Planning
Estate Planning

Employer-Sponsored Retirement Plans 401(k)'s

Traditional 401(k) Plans
Safe-Harbor 401(k) Plans
Solo 401(k) Plans
SIMPLE Plans
Plan Design and Implementation
Employee Education via Annual or Semi-Annual Education Events at the Worksite for Employees
Fiduciary-Level of Service and Recommendations to the Business Owner and Employees

Investment Management

Risk-Tolerance Adjusted Recommendations
Global Diversification
Passive and Active Investment Strategies
Asset Allocation Recommendations
Tax-Efficient Recommendations
Custom Portfolios Built for Every Client's Goals
Alignment of Investments with Client's Ethical and Moral Value Through ESG Strategies or Direct-Indexing

Take the first step toward growing your wealth.

Let's Talk

How We'll Work Together

Whether you prefer to meet online or in person, we value your time and are committed to working with you when and where it works for you. Here's what you can expect:

1

Meeting 1:

Free intro meeting

During this exploratory meeting, we'll discuss where you are now, where you want to go, and how we might help you get there.

This is also your opportunity to learn more aboutour services and how we will approach your personal financial planning.

2

Meeting 2:

Discovery meeting

In this more intensive 60-90 minute meeting, we will discuss your assets thoroughly and work within our financial planning software and your personal client website to begin building a complete financial plan.

We will cover your current financial state, challenges, and goals. You will learn about risks, both known and unknown, and you will be given a statistical likelihood of achieving your goals based on your current financial plan.

3

Meeting 3:

Recommendations and alternatives

During our final onboarding meeting, we will deliver solutions to your most pressing financial needs and begin the process of helping you implement these changes.

The order or importance is different for everyone. It is our job to help you address the most important subjects first followed by the less-pressing issues as we meet them on our Quarterly Financial-Success Calendar.

4

4:

Quarterly Financial-Success Meetings

We work with our clients on an ongoing basis because life changes and surprises happen. That's why we will work with you to keep your plan updated and address any gaps on a quarterly schedule.

January - March:

Planning projection updates, Investment account rebalancing

April - June -

Debt planning, Cash-flow planning

July - September -

Insurance review & Estate planning

October - December:

Tax planning, Employee benefits selection, & Required Minimum Distributions (RMDs) planning

We'll Discuss:

Your current financial position and immediate concerns
Your short and long-term goals
Lifestyle needs specific to you and your family
Your risk tolerance
Monthly budgeting and cash flow
Strategies to increase your net worth

Ready to get started?

Chat With Us Today

Transparent Pricing for Straightforward Solutions

Our fee structure is designed to be simple, transparent, and fair. On top of our fiduciary duty to you, we have also aligned our financial interests with yours. SImply put, if you do better then we do better.

Fees

We charge 1 percent of the assets held under our management.

Ready to Get Started or Have Additional Questions?

GET IN TOUCH TODAY

Insights

Frequently Asked Questions

Are you a Fiduciary?

Yes. This means that we are legally obligated to act in your best interest at all times.

Who do you typically work with?

Our typical clients are retirees, pre-retirees, or professionals with at least $50,000 in investable assets. We also serve business owners and their employees with workplace retirement plans.

Do you have any account or income minimums?

Our minimum account value is $50,000.

What do you charge for your services?

We charge 1 percent of assets under management. Check out our fees for more information.

Can we meet virtually?

Yes! We meet with clients both in-person and virtually.

How do I get started?

You can get started today by scheduling an appointment, giving us a call, or sending us an email.

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Meet Our Founder

Schad TenBroeck

Founder

P: (559) 740-0548
schad@sequoiainvesting.com

“

Building wealth is my passion. We give our clients the tools to live intentional and rewarding lives.

Welcome! I come from a small town in Central California's San Joaquin Valley called Tulare, not far from where Sequoia Financial is now. When I am not building retirement plans, you can probably find me backpacking, practicing jiu-jitsu, olympic weightlifting, or mountain biking.

I spent the first half of my career in insurance, starting first at my grandfather's agency, and then building an agency of my own. I realized, as time went on, that my clients needed more and that there weren't many advisors around that wanted to provide real holistic financial advice. That's when I decided to start Sequoia Financial.

We exist to help our clients invest better, pay less in taxes, manage risk, and avoid financial mistakes. We exist to build wealth.

Connect With Schad

Contact Us

Where Would You Like Your Finances to Take You?

Let Us Help You Find the Way.

Schedule an Appointment

Proudly located in Visalia, CA.

Working with clients nationwide.

We look forward to working with you in-person or remotely. Contact us today or fill out the form to the left to get started.

CONTACT

P: (559) 740-0548
schad@sequoiainvesting.com

Retirement Planning for Business Owners, Professionals, & Retirees

Financial Planning