Financial Planner in San Francisco
Babylon Wealth Management is a fee-only financial planner that provides personalized financial planning for clients in the San Francisco Bay Area and nationally.
We believe that every client is unique, and we tailor our approach to your specific needs and objectives.
We are fiduciaries. Our priority it is to act and provide financial advice with your best interest in mind.
What is financial planning?
Comprehensive financial planning is a process that captures crucial elements of your personal and financial life, aligns them with your specific needs and goals, and provides recommendations and a roadmap on how to achieve these goals. A working financial plan will bring clarity and simplicity to your complex financial needs and help you prioritize your financial objectives
Why do I need a financial planner?
A robust financial plan will give you an objective and independent view of your personal and financial situation. You will receive a complete picture and heatmap of your financial life. An effective plan will serve you as a financial blind-spot monitor. Our team will present you with solutions and recommendations on how to tackle difficult questions and complex problems. Even financially savvy investors could benefit from an unbiased opinion and review.
What are my financial goals?
Your financial goals are what is most important to you. Some people want to focus on their retirement. Others want to send their kids to college. Young families want to buy their first home. Business owners may want to have a solid exit plan. Mid career professionals want to build wealth while excelling in their career. Whatever your goals are they will become a cornerstone of your financial plan. Your goals will become our priority.
How can we help you achieve your goals?
Comprehensive
We create a holistic view of your financial life by incorporating multiple pieces into a wholesome picture.
Fiduciary
We are fiduciary. Our mission is to provide advice in our client’s best interest. We do not earn commission from selling financial products.
Collaborative
Our engaging and interactive approach will make you an active builder of your financial future. We have found that people who actively participate in our collaborative process become more confident in achieving their financial goals.
Expert
We are seasoned professionals with multiple years of experience in the financial industry and proud to hold one of the highest educational credentials. We mean business.
Dynamic
Your financial plan should not be a piece of paper that collects dust in the corner of your bookshelf. We will have the opportunity to update your financial plan in real time as soon as your financial and life circumstances change
Transparent
You can access your financial plan at any point in time. We can run multiple scenarios so you can choose the best outcome for you and your family.
Ongoing
Delivering your financial plan is not the end but the beginning of a strong and productive long-term relationship. If you choose to work with us you will find a trusted partner who will always be in your corner through life transitions and help you reach your goals.
Our process
Step 1
Learn about your goals and how we can help you.
Step 2
Gather crucial personal and financial information necessary for your plan.
Step 3
Analyze and evaluate your financial plan in accordance with your goals, priorities, and objectives.
Step 4
Develop and present actionable financial recommendations and alternatives.
Step 5
Implement and monitor the progress of your financial plan.
(For wealth management clients only)
FINANCIAL PLANNER Fees
We offer flexible fee schedules depending on your specific needs and the complexity and size of your wealth, income, and investable assets.
Platinum Level Financial Plan – Starting @ $4,000
Our comprehensive financial plan is ideal for clients preparing for retirement or facing a significant liquidity event.
- Financial planning
- Budgeting and cash flow
- Advanced tax planning
- Standard public company RSU review (+$1,000 fee)
- Multiple scenario comparison
- Monte Carlo Simulation
- Retirement planning and income strategies
- Estate planning
- College planning
- Stock options and RSU (+$500 fee)
- Insurance coverage
- Four meetings (introductory, data gathering, review, and follow-up)
Gold Level Financial Review– Starting @ $2,000
Our financial review is perfect for do-it-yourself clients who need initial guidance on achieving their goals.
- Financial planning
- Budgeting and cash flow
- Basic tax planning
- Standard public company RSU review (+$1,000 fee)
- Multiple scenario comparison
- Monte Carlo Simulation
- Two meetings (data gathering and review)
EQUITY PLANNING FEES
Pre-IPO & Equity Strategy – Starting @ $7,500
Tailored specifically for startup employees, founders, and executives navigating complex equity compensation (multiple grants, varying vesting schedules) and impending liquidity events. This comprehensive engagement provides the technical rigor required to optimize tax liability and maximize wealth before an IPO or acquisition.
- In-depth review of multiple equity grants (ISOs, NSOs, RSUs)
- Alternative Minimum Tax (AMT) crossover projections and multi-year tax modeling
- Pre-liquidity tax strategies and 83(b) election planning
- Cash flow modeling to fund option exercises
- Post-IPO concentration risk, lock-up navigation, and diversification strategy
- Coordination with your CPA and estate planning attorney
- Up to four dedicated working sessions (Kickoff & Goal Setting, Strategy Presentation, Implementation and Follow-Up)
Equity Diagnostic – Starting @ $3,000
A focused, single-meeting engagement designed for individuals with a straightforward equity situation (e.g., a single RSU, ISO, or NSO grant) who need immediate clarity on their tax exposure and exercise timing, without the need for a full financial plan.
- Review of a single equity grant document
- Basic Alternative Minimum Tax (AMT) and ordinary income projection
- High-level exercise timeline mapping
- One 60-minute strategy and implementation meeting
About Our Clients
Most of our clients come from a wide range of backgrounds: Young families, Physicians, Tech professionals and executives, and Business owners. Regardless of your profession, we understand that as life changes and your wealth increases, so does the complexity of your financial decisions. Our most successful clients recognize the value of professional, independent, and personalized advice.
While not a complete list, our typical client tends to possess one or more of the following characteristics:
Busy Families
We help busy families get a head start in their financial journey by offering personalized solutions to their evolving financial milestones – starting a family, purchasing your first home, jumpstarting your retirement savings, paying off debt, and budgeting.
Physicians
Our firm partners with physicians, dentists, and their families to build their wealth and secure financial freedom. We recognize the complexity and financial challenges that physicians face in the Bay Area and nationally.
Tech Professionals and Executives
We offer personalized financial planning for technology, software, and start-up professionals in the San Francisco Bay Area and nationally. We are committed to bringing simplicity to your complex world of equity compensation, employee stock options, restricted stock units, deferred comp, and Employee Stock Purchase Plans. Our priority is to provide unbiased financial advice to help you make well-informed decisions considering your financial goals, risk management, and tax implications.
Business Owners
As entrepreneurs, we understand the difficulties and challenges of being successful business owners. We help fellow entrepreneurs achieve their personal and business priorities and objectives, ensure a safe retirement and exit strategy, and succeed in their business ventures.
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