515 Marin Street
We’re a boutique financial planning and wealth management firm that specializes in all things retirement.
If you prefer a personalized experience with a team who thinks like owners rather than employees, our strong advantage is our size. We don't just say we care; we show it each and every day.
We take the time to build meaningful relationships with every client, regardless of account size. And unlike many of our competitors, we are prompt and responsive. We know our business is based on professionalism, accountability, commitment, and great communication. These are some of the key reasons why our clients have engaged us as their financial steward for over thirty years.
Terri was always a self-starter. She got her first job at the age of fifteen and has never been unemployed since. She worked her way through college, earning a degree in finance from California State University, Northridge. While in school, she served as an intern for Pru-Bache Securities where she was recruited into the financial services industry. Terri navigated the tricky terrain of advancing in a male-dominated profession and ultimately was proudly promoted to First Vice President of Investments at a major private bank where she spent eight years managing money for ultra-high net worth clients, helping to solve very complex tax and asset structure challenges. However, she eventually realized that she lost sight of her true passion.
Terri started studying for her Certified Financial Planner designation in 1989, long before the world of financial planning was mainstream. During her studies, she discovered a passion for this unique professional approach to wealth management, and that ignited a dream for her. She wanted to provide a better client experience than what was, at the time, a commission-based, transaction-oriented standard.
Terri aspired to build a client-focused, fee-based financial planning firm. A pioneering concept at the time, it took far more work than she anticipated. "Financial Advisors" didn’t even exist - there were only stockbrokers, insurance agents, and bankers, all paid on commissions. In those days, the typical worker depended upon his or her employer or spouse for retirement benefits and didn't typically invest on his or her own. Before 401(k)s and the internet, investing was reserved primarily for the wealthy, and it frustrated Terri that so few hardworking people were afforded access to the benefits of the capital markets.
She aspired to make a difference for workers, especially for women who often avoided the subject of investing, so she built her career as an educator. She inspired men and women to think differently about their finances, and their future. Over the years, she has helped thousands of workers transition successfully to and through retirement. Many clients have leaned on Terri for over 25 years, entrusted her to prudently manage their retirement resources. And as the world of retirement has grown more complex, Terri has expanded her services to integrate financial planning with portfolio management. Every client starts with a comprehensive plan that focuses on retirement wellness above all else.
Today, Terri is a 35-year industry veteran, business owner, author, national public speaker, educator, and dedicated practitioner. Her unwavering commitment and passion has built a different kind of company - an independent professional advisory firm that focuses on clients-first. She helps individuals transition into retirement in a way that other firms don't - holistically, with an expert eye towards detailed analysis and thought leadership on everything from asset allocation to taxes to Medicare planning and more. She brings her extensive years of experience working with complex planning for the very wealthy to benefit clients who would otherwise not have access to such expertise.
Our typical client has $3-5 million of net worth, with $1-3 million of retirement savings that we manage for both current income and future growth opportunities. Our investment focus is to help clients keep up with the rising cost of living, be tax efficient, build and maintain a sound investment portfolio that follows prudent risk management strategies and reduce the risk of running out of savings. We aim to build clients-for-life.
Longevity Capital Management LLC is a boutique firm built on three simple principles: (1) always focus on clients first, (2) follow time-tested strategies, and (3) adhere to total due diligence before offering advice or recommendations.
In 1989, Terri typed out this edict as the inspiration for the kind of company she dreamed of building. It remains the foundation for our guiding principles
Create strong client relationships that stand the test of time, make a difference in our clients’ lives, and provide independent ideas.
We think it's complete in its brevity and this is how we operate our business on a daily basis.
Being a mission-driven company is an integral part of our DNA and our core philosophy is built around these key values.
At Longevity Capital Management LLC our investment philosophy is simple, but it is not simplistic.
We believe in owning high-quality investments in a diversified portfolio over the long-term. We do not believe in day trading or market timing. We believe in attentive, active research-based management. We adhere to a disciplined asset allocation policy commensurate with your objectives and risk tolerance, but we also understand markets are not always priced efficiently so when we see market anomalies we will shift assets to seek to take advantage of opportunities.
We think this adaptive and dynamic approach to investment management allows us to participate in investment themes while adhering to established, sound investment principles.
We have many key relationships with top investment firms. Here's a short list of just some of the more notable firms we work with.
Longevity Capital Management, LPL Financial and all financial firms listed are separate, non-affiliated entities.
No matter what the future may bring, we strive for the longevity and sustainability of your financial well-being
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