Welcome to Serenity Financial Planning
I am Sima Alefi, AAMS®, Wealth Management Advisor. I help you and your family figure out where you stand today and then make a plan for your future. We sit down together and discuss what’s important to you and what makes the most sense for you.
Simplify your finances
With so much financial information out there, how do you decide what’s best for you? How do you decide how much you should be saving for retirement and other financial goals, and where should you be investing?
Plan your future
I help you break down your financial details into a simple picture of where you stand, without using complicated financial jargon. I help you focus on making a plan for your financial future by: preserving your assets, reviewing education planning, increasing cash reserves, focusing on saving for retirement.
For pre-retirees, retirees, and those who are 50+, I can help you plan for retirement by: helping to prepare for the unexpected, helping to increase your income, providing options to reduce taxes via tax efficient investments.
I enjoy making a difference in the lives of my clients. It would be my greatest honor to sit down with you and discuss your unique situation.
“Wealth is the ability to fully experience life.”
Henry David Thoreau
Sima A. Alefi, AAMS
Wealth Management Advisor, Serenity Financial Planning
With over two decades of experience in the financial industry, I recently opened my wealth management practice, Serenity Financial Planning. Previously my practice was with two well-known financial institutions where I developed an expertise focused on assisting families, women, and businesses and institutions with their wealth management needs.
It’s not easy juggling a career and a family. With so many competing issues, it can be frustrating to try to find the time to manage your finances effectively. With my help, my clients have been able to address the following issues:
- How to make sure your family is protected, especially if you have small children
- How to pay for your child’s education at the same time you save for retirement
- How to take care of aging parents
- How to determine your magic number of retirement assets you need to retire
I enjoy helping families seek their financial dreams
After marriage, couples not only merge two households, they combine their hopes and dreams. Achieving financial goals takes thought and planning which I help you with through my years of education and experience.
Retirees and Pre-Retirees
What does retirement look like to you? I help my clients who are retired, and those who are not yet retired, plan for the time when they will need income from their portfolios to live confidently in retirement.
Some of the issues that we may consider:
- For pre-retirees, how much do you need to invest to pursue your financial goals, and what are the most appropriate investment options?
- For retirees, what investments should we withdraw from first?
- What strategies can be used to reduce future taxes?
- What can you do to maximize social security income?
I especially enjoy working with women who have been divorced, widowed or who have recently come into an inheritance. I feel women are often underserved due to financial advisors’ lack of understanding of their needs, simply by not listening or not being able to relate.
When working with women, I may discuss some of these issues:
- How to take care of your needs before caring for your dependents. When you are stronger financially, you have the ability to care for others
- Addressing the challenges that come with women living longer than men
- Finding ways to address having fewer assets due to women taking time off work to care for children and parents
Businesses and institutions
As a financial advisor I help manage assets for individuals, trusts, retirement plans, and businesses. I help you evaluate your concerns such as:
- Which type of retirement plan is suitable for your company or institution?
- Which investment options are appropriate?
- Are you adequately addressing your fiduciary responsibilities?
I understand my clients’ challenges
As a woman financial advisor, I understand the importance of having specific plans for various life events such as the birth of children, marriage of children, illnesses that befall our family members, and death of loved ones.
As a mother of two adults boys, married since 1994, I understand the juggler role that women have: mom, daughter, caregiver, wife, as well as managing career challenges. I enjoy educating and empowering clients to take control of their financial future by providing a financial plan and investment advice.
How my experience helps you
My extensive experience throughout major shifts in the markets enables me to help my clients’ structure balanced portfolios to help address their specific financial goals. I have earned a degree in Business Management and in addition to several applicable securities registrations, I hold an Accredited Asset Management Specialist, AAMS professional designation.
Request a consultation
I invite you to request a consultation to learn how we might work together. We will sit down together and discuss your needs, what I offer, and whether we are a good fit. Please call me at (858) 251-4545
Sima Alefi, AAMS®
7825 Fay Ave, Suite 200
La Jolla, CA 92307
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