Rocio Tapia, Financial Planning

08/31/2026

Do you give to your kids’ school?
Have a charity or cause you support every year?
Do you own appreciated company stock or have a growing investment portfolio?

If you answered yes to any of these, there may be a more tax-efficient way to give.

Instead of selling appreciated investments, paying taxes on the gain, and then donating the cash, you may be able to donate appreciated securities directly to a Donor-Advised Fund (DAF).

The result can be a powerful combination:
- Support the causes you care about
- Potentially avoid capital gains on donated appreciated assets
- Potentially receive a charitable deduction
- Create a flexible giving strategy for years to come

Giving strategically can mean more dollars go toward the causes you love—while potentially creating tax benefits for you.

Curious if a Donor-Advised Fund could make sense for your giving strategy? Let’s connect.

05/27/2026

For Californians, long-term care costs around $108,000 a year—and rising. I'm very excited about Northwestern Mutual's hybrid long-term care coverage with a death benefit and surrender value. Reach out and let’s start building your plan for long-term care to protect you from the financial impact it can have on your family, your retirement lifestyle, and your legacy goals.

Source: 2024 illumifin Cost of Care Study. Annual cost based on a home health aide paid $37/hr in CA for 8 hours per day x 365 days.

05/14/2026

Equities moved higher again this week, supported by continued strong earnings, fresh evidence of a stabilizing labor market, and growing optimism surrounding artificial intelligence. Beneath the surface, however, the U.S. economy has only grown more divided. Northwestern Mutual Wealth Management Company CIO Brent Schutte breaks down the latest market news and economic data. http://spr.ly/6180BBxLye

05/12/2026

One of the hardest parts of retirement is simply knowing what risks you’ll face. Connect with me, and I’ll be sure that you’re prepared for whatever comes your way.

03/20/2026

Wonderful event supporting an incredible cause through a silent and live auction benefiting a nonprofit that’s changing lives through education. 💙

Foundation for a College Education is dedicated to increasing college graduation rates for underrepresented students of color—primarily in East Palo Alto—by supporting first-generation, low-income students from 9th grade all the way through college graduation. Their work goes far beyond academics, providing counseling, financial aid guidance, and family empowerment to help students build a path toward long-term career success.

As a first-generation college graduate myself, this mission hits close to home. I’m so grateful I was able to navigate the college journey, but I know firsthand how challenging that path can be without the right support. Having a program like this can truly make all the difference for students who may not otherwise have access to these resources.

Thank you, for helping guide such an important conversation and for sharing the real impact this organization is making in students’ lives. Your voice and insight truly brought these stories to life.

Proud to be part of an effort that opens doors and creates opportunity.

03/04/2026

So grateful for the opportunity to be a panelist at the BOSS Meetup in Redwood City!

It was incredibly energizing to connect with fellow business owners and have real conversations about self-care, building strong team dynamics, and what it truly takes to achieve financial wellness as an entrepreneur.

Here are a few things I shared:

✨ Invest in your team.
Having an incredible team allows me to step away from my practice, fully trust that my clients are cared for, and be present with my family. That freedom is priceless.

✨ Work on your business, not just in it.
Whenever I’ve felt burnout creeping in, I’ve invested in growth — hiring a business coach, earning a designation, or stepping back to take a high-level look at marketing and strategy.

✨ Protect what you’re building.
As business owners, we don’t have the safety net of state disability insurance — and even if we did, it’s often not enough. Protect yourself, your business, and your family with the right insurance coverage. If illness, injury, or premature death were to happen, how would the bills get paid?

✨ Strengthen your financial foundation.
• Build an emergency fund (3–6 months of expenses)
• Pay off high-interest credit card debt
• Pay yourself FIRST
• Aim to save at least 20% of your gross income across retirement and investments accounts such as 401(k), SEP IRA’s, Backdoor Roth IRA, brokerage accounts, etc.

It was inspiring to meet so many driven business owners, and I’m grateful that these conversations resonated. Community, clarity, and action — that’s how we build sustainable success.

01/20/2026

Set yourself up for financial success in 2026!

Set yourself up for financial success in 2026. After all, the right time for a review of your money is right now.

12/31/2025

Here we are—another new year. And the right time to make a fresh start is right now. So how will you fill your year with memorable moments?

12/02/2025

Giving Tuesday: The Power of Generosity

Today is Giving Tuesday, a reminder of how powerful generosity can be. Whether it’s supporting a cause close to your heart, helping a local nonprofit, or contributing to a national charity, your gift can make a meaningful difference.

I’m grateful to have been introduced to a wonderful organization of women in the Bay Area, we pool our resources to support Latino-led non profits who focus in areas like early childhood education and mental health and immigration rights and legal services.

Charitable giving isn’t just good for the world—it can also be a smart part of your financial planning. Giving Strategies Can Enhance Tax Efficiency, here are some strategies:
• Bunching charitable contributions into one year to exceed the standard deduction
• Donor-advised funds (DAFs) to plan gifts over time
• Gifting appreciated assets (like stocks) to potentially avoid capital gains tax

No matter how or how much you give, your generosity fuels the work of organizations making a real difference. Today is a great reminder that giving back—financially or through time, skills, or advocacy—creates ripples of positive change.

Happy Giving Tuesday! 💙

These don’t just support the organizations you care about—they can also help you give more efficiently.

11/29/2025

Feeling especially grateful this year — for my family, my clients, and my incredible team who make it possible to create a real impact in our clients’ financial lives.

Thank you for trusting us with your goals, dreams, and future. 🙏

Here’s to finishing the year strong and building an even brighter one ahead!