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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.

FJP's Anniversary Celebration August 19-23!

August 22, 2019 marks the one year anniversary of Financial Journey Partners. That was the day we officially became licensed as a new company. We are now independent and not part of a mutual fund company, bank or insurance company. We believe this provides some very important benefits to our clients.

  • Elaine, Scott and Linda are Fiduciaries, which means we are ethically bound to act in the best interest of our clients.
  • We have partnered with some of the best companies in the investment industry.  We use Fidelity as our custodian, to hold the accounts of our clients and to do our trading. We use investments from BlackRock, PIMCO, Guggenheim and others. They have all been fantastic partners for us. 
  • The technology we use was carefully selected to optimize the experience for our clients.

With over 30 years of experience in the business, adding our new structure and tools has us very excited for the future. We will be celebrating our one year anniversary, all week from August 19-23. We hope you can stop by sometime during the week and celebrate with us!

Share Your Summer Journey With FJP

You’ve worked hard to enjoy the life’s journey you imagined for yourself and your family. This can include big adventures, milestones met, and memorable moments.

Your experiences are inspiring! We invite you to share your Summer 2019 moments with us in our Financial Journey Partners Photo Contest!

It's time for the summer to begin and we look forward to seeing your photos! 

Learn More and Download Flyer

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Elaine, Scott and Linda Attend Conference in San Francisco

Elaine, Scott and Linda attended the Financial Planning Association conference for Northern California (FPA Norcal)  in San Francisco on May 28 and 29, 2019.  Over 500 advisors attended to hear from a wide range of speakers.  Some of our key takeaways included:

  • Keynote speaker Mike Robbins shared that his years of research has shown how important it is for leaders to be honest, real and genuine.  Effective leaders set a high bar for performance, they clearly define it and they recognize it passionately when it occurs.
  • Michael Kitces shared the key trends shaping our industry.  Technology is evolving rapidly and we are implementing the best technology we can find to provide a high lever experience for our clients and to make our team more efficient.
  • Brock Long is the former Administrator for the Federal Emergency Management Agency (FEMA).  He reminded us that FEMA has limitations on the assistance they can provide, so it is important for us all to do everything we can to be prepared for natural disasters so we can minimize their impact.

Estate Planning Seminar Highlights

On May 9, we had special guest, attorney Kelly McHaffie, explaining why it is important to do Estate Planning.  She explained the differences of what happens when a person does or does not have a living trust.  Here are a few of the key takeaways from the seminar.

  • When a person has a living trust, they can keep their affairs private and avoid the potentially longer settlement times and higher costs that occur when an estate goes through the Probate court due to not have a living trust.
  • Estate planning includes planning for events before a person passes with a power of attorney and a health care directive for situations where a person becomes incapacitated.
  • It is important to periodically update your trust as your situation changes and when your account numbers change.
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Social Security Seminar Highlights

On April 25, 2019, we had an excellent Social Security Seminar with special guest speaker Jennifer Taboada, Vice President at BlackRock.  We learned a lot to help our clients select the best time for them to start taking Social Security.  A few key takeaways we had from the event included:

  • After age 62, the amount a person gets for their Social Security payment goes up a small amount for each month they wait.  You can get a higher payout by filing on the 2nd of the month or later and people should avoid filing on the first of the month.
  • While the payout a person receives for Social Security goes up each month from at 62 to age 70, in some cases when a person considers their entire situation, they may be better off taking Social Security at a younger age.  It is very important to look at each different scenario in your financial plan before making your final decision.
  • The Social Security Administration can provide you with a matrix of your possible payouts.  This is called an Informational Certified Earnings Record (ICER).
  • You can find out a lot of information about Social Security System at their website, SSA.gov.
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Retirement Plan Contribution Limits Change in 2019

The IRS announced that the maximum contribution limits are rising in 2019 for some retirement accounts.  A few of the highlights include:

- Traditional IRA annual maximum contribution limit increases from $5,500 to $6,000.
- 401k annual maximum contribution limit increases from $18,500 to $19,000.
- The Catch-up Provision for people 50 and over is $1,000 for IRAs and $6,000 for 401ks and other employer plans. 
- The annual income limits to be eligible to contribute pretax to a Traditional IRA and post-tax to a Roth IRA also changed.

There are more details about these changes in the chart you can download here.

Retirement Plan Contribution Chart

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 how to lease a car or which job offer to accept.

Depending upon your place in your journey, our work together may entail guiding you through some or all of the following experiences.


Financial Planning

  • Financial Goal Setting
  • Cash Flow Analysis
  • Retirement Savings Planning
  • Retirement Income Planning
  • Education Funding
  • Life Insurance Analysis
  • Planning for Long Term Care
  • Estate Planning

Active Management of Investments

  • Risk Tolerance Analysis
  • Asset Allocation
  • Selection of Investments
  • Protecting Principal

Products and Services

  • Personal Retirement Accounts
  • Non-retirement Accounts
  • Life Insurance
  • Long Term Care Insurance

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

We will use this new software to do interactive financial planning with clients.  Also included is a personal financial website for our clients with lots of exciting new features.  The security of your data is very important to us.  See the video below for more details.

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View Security Video

See your advisor and they will help you set up your new personal financial website.

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Meet Our Team

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