Financial Advisors & Retirement Planning in San Jose, California

We believe every journey needs a plan.

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We want to be your partner on your financial journey!

We are a team of three experienced advisors, with five additional team members dedicated to providing the best experience we can for our clients. We have chosen a more independent route, not part of a bank, mutual fund or insurance company, so we can put the needs of our clients first.

We believe in providing comprehensive financial planning for our clients, using software from eMoney Advisor, who we believe is a leader in the industry. Clients have a portal with single sign on where they can see in one place their bank balances, investment accounts, monthly statements, financial planning and much more. Our goal is to use the great technology in the industry to provide the best experience we can for our clients.

Start your journey with us today. Use this link to "Start Your Journey", or with the button above. You can also use this link to complete a Risk Free Analysis to help us work with you to design a portfolio based on your needs.

How do we help our clients?

We start by understanding the goals of our clients. Then we create and implement a comprehensive financial plan that is unique to them.

What is active management of investments?

We add more equities in strong markets and become more defensive in weak markets.

Are the advisors Fiduciaries?

Yes. Elaine Manley, Scott Manley and Linda Tjiputra are Fiduciaries. We are ethically bound to act in our client's best interest.

Who is an ideal client?

We partner long-term with higher income individuals and families accumulating assets as well as those at or near retirement, managing their investments based on their financial plan.

Why is our office design unique?

We provide an optimal experience based on client needs. We have a Café, Living Room and offices designed for their comfort. Explore our unique office design for yourself.

What do we expect from our clients?

We expect our clients to be engaged in the financial planning process and implement the agreed upon action items. They work with us in a courteous and respectful way and we do the same with them.

State of the Economic Recovery Webinar - January 27, 2021 at 1:00 PM

Join us online for this virtual event. We will discuss the current status of the economic recovery and the trends that may impact 2021, with guest speaker Noah Kroll, Global Product Allocation Director at BlackRock.

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2020 - A Year to Remember!

Thank you for participating in our 2020 events. We are already planning our events for 2021!

Check in with your advisor and complete our survey with your interest. Watch your email for specifics!

See Our Event Calendar

Sign Up for Our Insights Newsletter

See our prior editions of the Insights Newsletter and sign up to get information from a source you can trust.

In addition to getting the latest news, we will use our experience and research to give insights on why we think things are happening and what we see going on behind the scenes as well as discuss the trends that we see that could be driving the future.

We will also include timely and fun topics such as our future events, webinars and events in the San Francisco Bay Area.

Learn More & Sign Up Today

2021 Retirement Plan Contribution Limits

The following contribution limits in 2020 will remain unchanged in 2021:

Traditional and Roth IRA Contribution Limit - $6,000/year (people under 50 years old)
Traditional and Roth IRA Contribution Limit - $7,000/year (people 50 and older)
401k Contribution Limit - $19,500/year (people under 50 years old)
401k Contribution Limit - $26,000/year (people 50 and older)
Annual income limits to be eligible to contribute pretax to a Traditional IRA and to a Roth IRA have changed.

Download the chart for details on annual income limits. Contact us if you want to discuss.

Download Now

6 Investment Themes for 2021

The pandemic in 2020 accelerated some trends that were already in place and started some new trends.

We believe there are 6 significant trends that will occur in 2021 and we have positioned client portfolios in a way that we think will benefit from these trends.

Contact us if you would like to discuss this in more detail or talk about specific investments.

See 2021 Trends

Are People Leaving California?

Large companies are announcing plans to leave California and we've observed that more Californians are making individual plans to leave. Is this a long-term trend? If so where are Californians moving to and why?

We'll explore these questions in our blog "Are People Leaving California?" and share interactive maps to allow you to follow the published data.

There may be reasons to leave but as Californians we also see many reasons to stay!

See our recent blog

Early Retirement & Workforce Reduction Packages

When you are offered a retirement package or been selected for workforce reduction, it is a time of great transition you may have hoped for or dreaded. What do you do next? When offered EER or WFR, it can be a stressful time making such large decisions quickly.

We have created a free guide for people at the HP Network of companies you can download and we also offer a complimentary one-hour consultation. As former HP employees and experienced Financial Advisors, we have helped many clients transition.

We're here to help and appreciate you sharing this resource with others.

Download Free Guide

COVID-19 Resources

With the coronavirus, the news is changing daily. We work hard to stay up to date on news to understand how this could affect the economy, the stock market, and present investment opportunities.

Our COVID-19 Resources page can help you stay up to date with our curated references to government data and policies as well as our journal of emails chronicling our shared experience.

Explore

Sign Up for our eMoney Best Practice Tips

In our annual survey our clients told us they wanted to have more information on their personal Client Portal. We want you to master the portal too.

We will be sending eMoney Best Practice tips monthly to those interested.

Sign up to join our eMoney tips email distribution list.

Have questions now or need help getting access? Give Jennifer a call at 408-963-2884 and she can help you through it.

Sign up for our eMoney Tips

Our Services

At Financial Journey Partners, we see ourselves as your long term partner as you travel through each and every financial decision you make in your life, from college planning to retirement planning. Along the way, no experience is too small to be worthy of consideration, whether it is deciding to buy or lease a car or which job offer to accept.

We believe that each client is unique and should have a comprehensive financial plan that is customized to their journey. Our services are available for wherever you are in your journey.

Comprehensive Financial Planning

Financial Goal Setting
Goal Funding
Net Worth Review
Cash Flow Analysis
Retirement Planning
Life Planning
Large Purchase Consulting
Financial Beginnings
Education Planning

Risk Management & Insurance

Emergency Reserves
Risk Tolerance Analysis
Life Insurance Analysis
Life Insurance Policies
Survivor Planning
Long Term Care Planning & Insurance
Medicare Supplement Insurance
Employee Benefit Review

Investments

Active Management of Assets
Retirement Accounts
Non-Retirement Accounts
Required Minimum Distribution Completion
Monthly Contributions and Distributions
Stock Options, Restricted Stock Units Analysis and Strategy
Income Generation

Estate & Tax Coordination

Coordination with Estate Planning Attorney to complete Power of Attorney, Trusts, Health Directive and more.
Coordination with CPA for tax planning to diversify company stock and more.
Secure Vault to Share Documents

Learn More About Our Services

Financial Journey Partners Client Portal

Set up your own personalized website to view your investment accounts, access your brokerage statements and track your spending all on one site. Learn more about the exciting features and benefits we have available for our clients.

View Introduction Video

Clients of Financial Journey Partners have access to a personal financial website that allows them to manage their financial accounts, budgets and plans as well as utilize the secure vault to organize important documents and share with trusted partners.

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View Security Video

Cyber security a top priority for Financial Journey Partners and that’s why we employ advanced security protocols on your personal financial website to safeguard your information and provide a reliable tool our clients can trust.

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