Guide My Finances

Guide My Finances Guide My Finances offers flat-rate and hourly financial consulting as well as investment management CRD #4818775. CA Insurance License # 0E49845.

Guide My Finances is a full service financial planning firm offering a variety of services including:

Flat Fee Financial Planning
Personal Retirement Planning
Corporate Retirement Planning
College Planning
Stock Compensation Planning
Investment Management

For more information about Guide My Finances, visit www.GuideMyFinances.com


Securities and investment advisory services offered through Osa

ic Wealth, Inc., member FINRA/SIPC. Additional advisory services offered through Guide My Finances. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Guide My Finances and Jaclyn Mazur are licensed to do business in CA.

06/16/2026

The recent SpaceX employee news revealed something interesting:

Employees were using internal Slack channels to find advisors offering:

💸 Fees under 1%
💸 Securities-based lending
💸 Direct indexing
💸 Specialized stock compensation planning

The takeaway isn't that these strategies are exclusive.

It's that many professionals with significant equity compensation don't realize what's available to them.

When your wealth is concentrated in company stock, planning becomes about much more than investment management. Tax strategy, diversification, liquidity planning, risk management, and long-term wealth planning all need to work together.

At Guide My Finances, these are planning strategies we already provide to clients. No special negotiations. No searching through Slack channels.

Just comprehensive advice designed around your specific situation.

If you work at a company with significant stock compensation and want a second opinion on your strategy, DM us "EQUITY" and we'll send you information about scheduling a review.

Congratulations to Sean Boylan, CFA, on earning the CFA charter! 🥳The CFA charter is one of the most respected credentia...
06/15/2026

Congratulations to Sean Boylan, CFA, on earning the CFA charter! 🥳

The CFA charter is one of the most respected credentials in the investment profession, covering portfolio management, investment analysis, economics, ethics, and financial markets. Earning the charter requires years of study, dedication, and a commitment to the highest professional and ethical standards.

We’re proud of Sean’s achievement and excited to see him continue helping clients navigate their financial futures with confidence.

Over 1,000 SpaceX employees reportedly formed a private Slack channel to negotiate lower advisory fees and demand servic...
06/10/2026

Over 1,000 SpaceX employees reportedly formed a private Slack channel to negotiate lower advisory fees and demand services like direct indexing, securities lending, and covered call strategies.👀

That shouldn't be a news story. At this level of wealth, it should already be the standard.

The employees are doing exactly what they should be doing: asking questions, comparing options, and making sure they're getting value for what they're paying.

What surprises us is not that they asked. It is that they had to.

Here's what they're asking for:
✅ Lower advisory fees. For anyone approaching this level of wealth, fees at or below 0.50% are not a special arrangement. They are simply what the math works out to at this asset level.

✅ Direct indexing to harvest tax losses, customize portfolios, and avoid adding even more exposure to SpaceX through index funds.

✅ Securities-based lending to access liquidity without creating a taxable event, especially during lockup periods.

✅ Covered call strategies to generate income while managing concentrated stock positions and building a long-term diversification plan.

This will not be the last time we see this. Employees at OpenAI, Anthropic, Databricks, and Anduril are next. And to them we say: these services exist and advisors/planners who charge these fees at this wealth level exist. The answer is finding the right one!

A liquidity event can create life-changing wealth. It can also create concentrated risk, tax headaches, and costly mistakes if your financial plan isn't in place and done correctly.

If you're sitting on substantial equity compensation and wondering what services, strategies, and fee structures you should actually be receiving, let's talk. Our team is happy to provide a no-cost second opinion on your portfolio and financial plan.

Your RSUs shouldn’t be managed once a year during tax season! They should be part of an intentional strategy all year lo...
06/08/2026

Your RSUs shouldn’t be managed once a year during tax season! They should be part of an intentional strategy all year long.

From vesting schedules and tax planning to diversification and liquidity, small decisions made month by month can have a major impact on long-term wealth.

This is the month-by-month RSU checklist we use to help clients stay proactive instead of reactive.

Steal this for your RSU planning! 💚

06/05/2026

Don't you just miss when kids would ask why they can't eat ice cream before dinner instead of asking questions that seem impossible to answer? 😬

There's not a perfect answer to any of these questions, but there is a right way to handle them... and that's by teaching your kiddos about finances early on!

🧩 Toddlers (age 3-5): Incorporate real coins into pretend play! Have them run a grocery store, restaurant, bakery, or coffee shop and pay them real coins to help build an understanding.

🧩 Kiddos (age 6-10): Start teaching them about budgeting. When it comes to back to school shopping give them a budget to spend on school supplies and clothes. This is a great step in helping them understand the cost/value of different items.

🧩 Tweens (age 11-13): Open their first bank account and teach them about real life budgeting and interest. Teach them what happens when you spend more than you have. The best lessons are learned by doing!

🧩 Teens (age 14+): Teach them about compound interest and the benefit of keeping money in a savings account that is paying interest vs. one that isn't. The time value of money is a powerful tool!

Starting early doesn't just build financial literacy. It builds money confidence that they'll carry with them forever!

A strong financial plan should evolve with your life, and that means staying consistent with checking on your plan durin...
06/03/2026

A strong financial plan should evolve with your life, and that means staying consistent with checking on your plan during big life changes. 💸

Mid-year is the perfect time to reassess, refine, and reposition before year-end decisions become rushed.

Schedule a time with our team to go over your short- and long-term goals, and get back on track for 2026! 📆

06/02/2026

Retirement is not just about reaching a savings goal. It is about creating sustainable income that can support your lifestyle for decades to come.💸

The challenge is that retirement today can last 30+ years! That means your plan needs to account for changes in the economy, your lifestyle, and in your health.🫢

Starting early gives your investments more time to compound, but more importantly, it gives you time to build a strategy instead of relying on guesswork later.

Having a plan helps you go into retirement feeling confident that your money will sustain your lifestyle as long as you need it to.

Let's chat about your current plan to ensure it still fits into your future goals! ☎️

05/29/2026

We'd like to think we're pretty understanding of bad financial advice and social media trends... but these really make our skin crawl! 😬

Don't let these silly mistakes stand in the way of building your wealth! Give our team a call today! ☎️

Happy Memorial Day! Today we honor the brave men and women who fought for our country! ❤️Our offices are closed today fo...
05/25/2026

Happy Memorial Day!

Today we honor the brave men and women who fought for our country! ❤️

Our offices are closed today for the holiday. We will respond to all emails tomorrow!

05/22/2026

Nothing brings the team together more than a shared goal!

Today’s goal… lunch! 😂🥗🍔

Address

1265 Carlsbad Village Drive #201
Carlsbad, CA
92008

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 1pm

Telephone

+17605477585

Website

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