Kayla Fernandez

05/18/2026

Many parents want to help their adult children financially — but doing so without jeopardizing their own retirement takes careful planning.

Thank you Diane Harris for including me as one of the professional contributors in this recent Kiplinger article discussing how to support adult children while still protecting long-term retirement goals.

The Bank of Mom and Dad can be challenging — financially and emotionally. These tips pave the way.

04/23/2026

Did you know Treasuries are generally state income tax FREE?

I was recently featured in an Investopedia article regarding bonds and income portfolios. 💸 Take a look at the article here:

Link:

Understand how interest rate risk affects bond income and retirement portfolios—and how to manage price and reinvestment risk strategically.

10/02/2025

I am incredibly proud to work at California Financial Advisors (CFA), a CNBCCNBC firm. Our team’s dedication to our clients remains the linchpin of our strategy and success.

09/25/2025

When should I file for Social Security benefits?” 🤔 It’s one of the most common questions I hear as a Financial Advisor.

Check out my latest blog post where I break down what to consider before filing 💡

Deciding when to file for Social Security benefits is a critical retirement decision. Timing can affect your monthly income, total lifetime benefits, and the financial well-being of your spouse or heirs. Because there’s no one-size-fits-all answer, it helps to look at both the numbers and your per...

09/17/2025

📉 The Fed just cut rates by 0.25%...What does that really mean for YOU and YOUR savings, debt, and investments?

💡Read my quick blog post where I answer common questions about interest rate policy and how it pertains to your money. 💡

https://www.kaylaraefernandez.com/post/changing-interest-rates-what-it-means-for-your-money

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Interest rates affect nearly every aspect of our financial lives, from the interest rate mortgages to the returns on your savings accounts. While we often hear about "the Federal Reserve (the Fed) raising or lowering rates" in the news, the relationship between Fed policy and the rates you encounter...

09/16/2025

🚀 EXCITING NEWS — I just launched my new website!

This site is more than just a place to learn about my services as a financial advisor. It also features a blog with practical finance tips designed to help you make confident money decisions.

I’d love for you to check it out, explore the resources, and let me know what topics you’d like me to cover in future posts.

👉 Visit here:

Kayla Rae Fernandez, CFP® at California Financial Advisors, is a fiduciary financial advisor providing trusted, personalized financial planning—helping individuals and families build long-term financial confidence with the support of a nationally recognized firm.

06/06/2025

Your goals can change. So does the market. Rebalancing ensures your portfolio keeps up with both.

Read the latest article I contributed to for more information on rebalancing.

Over time, your asset allocation will drift as some investments shifts due to market movement. Rebalancing your portfolio reduces vulnerability and minimizes risk. Learn how to get started.

10/02/2024

Honored to work at California Financial Advisors which was just listed on CNBC's Financial Advisor 100 list for the sixth consecutive year.

Link to our press release with additional details: https://www.calfinad.com/cfa-cnbc-fa100-2024

08/16/2023

IT'S OFFICIAL! After 2.5 years of coursework, I successfully passed the board exam to earn my Certified Financial Planner™ certification. To become a CFP® practitioner, one must prove competency in the following areas: Fundamentals, Insurance, Tax, Investments, Retirement Planning, and Estate Planning. I am honored to become a part of the 33% of financial advisors in our nation who have earned this designation, alongside the remarkable 24% of CFP® practitioners who are female.

Thank you to California Financial Advisors for their guidance and support throughout this process. Special thanks to Madeline Maloon my study partner. We did it!

The recognized standard of excellence for competent and ethical personal financial planning.

08/10/2023

She wants to make sure investors are comfortable and committed before engaging in a long-term relationship.