Rich Chambers   Financial Planning's Highest Standard

Hello, Thank you for this opportunity to connect with you. I hope that after reading this brief write-up you will know some key facts about me which may be helpful when choosing a partner for your financial planning and investments. A little history: I began managing clients’ assets after becoming a registered investment adviser in 1999. Software engineering was my first career during which time I worked at IBM, Data General, VisiCorp, and 3Com. What is Investor's Capital Management, LLC? Our financial planning firm has two other partners and a number of associates. As a group we are ‘Investor’s Capital Management LLC’. I am the founding partner of this vibrant company which continues to grow in size and services.

• socially responsible and sustainability investing
• social security planning
  • when should I start getting benefits?
  • how can I maximize benefits?
  • will social security be enough to live on?
  • how much can I expect to receive?
  • will Social Security be there for me?
• retirement planning
• income property (residential)
• living trusts & estate planning
• tax planning and insurance planning
• tax-free saving for college expenses
• home purchase & mortgage financing
• employee stock purchase plan & stock options
• life planning using the Kinder EVOKE™ method

You can be a Retainer or a Managed Account Client; where in the latter case, I offer investment planning and implementation and in the former case, I offer financial life planning in addition to investment planning and implementation.

What gives me credibility in the industry?
I am a Certified Financial Planner or CFP^® and thus I follow the ethical standards set by the Certified Financial Planning Board of Standards including fiduciary responsibility for my clients. I am always happy to share the performance records of the portfolios that I recommend. Also, I fully disclose the cost of all services that I provide.

I have been published in Forbes, New York Times, Wall Street Journal, Money magazine, and the San Francisco Chronicle to name a few (see the complete list). I am a member of the Kinder Institute of Life Planning (www.kinderinstitute.com), the National Association of Personal Financial Advisors (NAPFA www.napfa.org), the Paladin Registry of Financial Planners (www.paladinregistry.com) and the IEEE.

Things that I would like you to associate with me:

• I work to earn your trust and work harder to keep your trust.
• I am 100% fee-only and therefore never work on commission. I am able to charge less due to lower overhead costs. I am a fiduciary for all my clients.
• My goal is to help you bridge the gap between where you are and where you want to be with planning that is customized to your personal situation. My clients and I work as partners to design a life plan that combines the clients’ values, dreams and financial resources.
• In 2006 and 2007 I trained with the Kinder Institute earning the Registered Life Planner® certification. The institute is an international organization focusing on the most meaningful - even profound - goals of a person's life. The Kinder EVOKE™ Method, a life-centered approach to Financial Planning, provides a supportive financial framework for living the most meaningful and rewarding life you can imagine.

You can find me in Menlo Park where I live with my lovely wife, Bonnie. You will also get to meet Abby, our Scottish terrier and part of the team at ICM!

I would be happy to work with you, if my services and experience match with your needs. Always, I appreciate your interest and wish you the best!

• Socially Responsible Investing Solutions

• Sustainability Investment Solutions

• "Get Started" financial plan that covers the typical financial planning issues. For most the plan fee is $5400. As part of the plan, you choose an ongoing service plan:

• Ongoing Investment Management Plan - Rich does all the implementation, record keeping, gain/loss reporting, and performance reporting. The minimum monthly fee is $417 and that covers the first $500,000 of investable assets. Financial planning is limited to updating an existing Financial Independence plan.

• Ongoing Financial Planning and Investment Management Plan - offered by retainer. The retainer fee is based on your net worth since this method of compensation removes almost all conflicts of interest. The minimum annual retainer fee is $833 and that covers about the first $2,000,000 of net worth.

• All portfolios primarily use passive (index) investments based on Dimensional Fund Advisors (DFA) equity mutual funds.

CFP, CERTIFIED FINANCIAL PLANNER and CFP with flame logo are marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.

Request more information by email:

Request more information by phone: 866-966-9291 x1