FAQs
FAQs
I am compensated directly by my clients for financial planning services. I do not earn commissions from the sale of investment or insurance products.
No. I provide advice on an hourly or project basis, allowing clients to pay only for the services they need.
I believe financial planning should be accessible, practical, and understandable. My focus is on providing objective advice that helps everyday people make confident financial decisions. I have extensive experience coaching people through their emotions and behaviors to make the right decision for them.
There is no judgment. Financial planning works best when we start with an honest understanding of where you are today and focus on where you want to go.
Success looks different for everyone. For some people it's retiring comfortably, while for others it's paying off debt, building savings, changing careers, or gaining confidence in their financial decisions.
We'll discuss your goals, current situation, and any questions you have. We'll also determine whether my services are a good fit for your needs.
No. You can engage me for a quick consult, single planning project, periodic consultations, or ongoing planning support.
Financial planning is way more than just managing investments. Charging by the hour motivates us to look at your entire financial picture when making decisions. Additionally, many people want professional financial advice without handing over their investments or paying an ongoing percentage-based fee.
Yes, though I won’t charge a percentage of your investments to manage them. You keep your investments in a brokerage, likely Schwab, Fidelity, or Vanguard. You can provide me with Power of Attorney to make trades, but not to withdraw funds. I charge hourly fees for this service, usually quarterly or semi-annually.
Yes. Retirement planning is one of my core services, including retirement readiness, withdrawal strategies, Social Security planning, pension planning, and Roth conversion analysis.
Yes. I can help you develop a spending plan, improve cash flow, and align your finances with your goals. The application that I use enables clients to connect their accounts for free and track expenses toward their budget.
I provide tax-aware financial planning and can identify opportunities to reduce taxes over your lifetime. I do not prepare tax returns or provide tax-specific advice.
Meetings are conducted virtually via video conference, allowing me to work with clients throughout California and, where permitted, other states. We can meet in person if you are local to the Bay Area.
Most planning meetings last 60 minutes, though I’m happy to work with you in any increment of 15 minutes.
Yes. Sharma Everyday Finance is registered as an Investment Adviser with the State of California.
Current regulations allow me to work with a handful of clients in each state outside of California.
Absolutely. Many clients seek guidance because they want clarity, confidence, and a plan—not because they have a certain level of assets. Financial planning can benefit anyone who wants to make informed decisions about spending, saving, investing, retirement, or other financial goals.
Yes. I am available for a one-time review of your retirement plan, investment strategy, or financial decisions before taking action.
The number of hours varies depending on your situation and goals. Some clients need only a single meeting, while others choose a more comprehensive planning engagement. I'll provide an estimate so you can make an informed decision before proceeding.
Yes. I can review compensation, benefits, retirement plans, stock options, and other financial considerations.