Heather Comella, CFP®
Financial Planner
The Hour
- Pregúntale a un asesor financiero lo que quieras sobre inversiones en una hora
- Sin comisiones, productos ni discurso de ventas
The Plan
- Un programa de 8 semanas para lograr un plan estratégico de tu vida financiera
- Obtén un plan financiero de más de 8 páginas
- $0 ahora; paga después de tu primera reunión
The Ongoing
- Apoyo continuo y responsabilidad cuando lo necesites
- Videollamadas trimestrales y correos ilimitados
- Revisión financiera anual de 2 páginas
Acerca de Heather
Biografía
My earliest memory of money is shopping with my mom, I'd watch her sort through her large stack of department store credit cards at the cash register to find the right one for payment. As a kid, it taught me that credit cards were normal and I didn't hesitate to get my first card as an adult. Our early experiences shape our relationship with money, making financial planning deeply personal. Everyone’s journey is unique, and I love learning about your life to create tailored advice that helps you live your best life. My personal journey includes: - Joining a fintech startup as the 4th employee, where I learned to pivot and adapt quickly. - Working with high-earning professionals, which taught me advanced tax-planning strategies. - Teaching financial education webinars, where I honed the ability to simplify complex concepts. Every day, I’m grateful to serve people.
Puedo ayudarte con
Me gusta trabajar con
Lo personal
Pictured: Nick, Heather, Edie and Liam. We're in Folsom, CA. As a family we enjoy Escape Rooms and Pickle Ball. I have two dogs: Australian Shepherd mix (13 yo), and Golden Retriever (1 yo) Personally, I like to unwind with a podcast and daily gym session. As a former competitor, I enjoy lifting regularly. My biggest insecurity: I can't cook! I'm so grateful my partner can because even I don't want to eat what I cook 😂
Educación y designaciones
Experiencia
Reseñas
Los clientes dicen
Los reseñadores mencionan
- Tax Planning
- Retirement Planning
- Equity Compensation
- Stock Options
- Investment Strategy
- Portfolio Analysis
- Roth Conversions
- Retirement Accounts
- Estate Planning
- Generational Wealth Planning
- Home Ownership
- College Savings
- Knowledgeable
- Organized
- Thorough
- Thoughtful
- Attentive
- Clear Communicator
- Good Listener
- Friendly
- Methodical
- Well Prepared
- Diligent
- Understanding
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Thorough Review of Various Topics
I met with Heather out of frustration on an AMT issue I haven't been able to get clarity on for years. She explained everything in the first 10 minutes by going through my previous tax returns and I finally felt like I understood my situation completely. She made sure we used the full hour so I ended up getting a lot more tips and strategies for retirement, taxes and home ownership. The followup email was incredibly thorough and covered everything we spoke about so I didn't have to take any notes during the call. I would definitely recommend Heather and work with her in the future!
Helpful and organized on a more complex case!
We received a large sum of money as part of an equity based buy out and heather was so helpful in helping us sort through the tax implications of this and get money into tax protected accounts. She was incredibly prepared and knowledgeable and helped us figure out the best multi-year plan for the money. She also was so organized, which helped us use the hour very efficiently and sent detailed notes that included a recap and clear next steps.
Heather did an excellent job making good use of...
Heather did an excellent job making good use of our hour call. She is very knowledgeable on tax planning which was our primary concern. We play to work with her again this fall when we need to make more tax decisions.
Great experience, highly recommend
I had a great experience working with Heather. She was extremely knowledgeable and took the time to really understand my goals and provide clear guidance and tools. I truly appreciated her strategic approach, and I would highly recommend Heather to anyone looking for trusted financial advice.
Helpful Advice for Life Transition
I was such a pleasure speaking with Heather. She is very knowledgeable in the areas of concern to my husband and I. Our goal was to get some advice to help us make decisions prior to retirement. Heather walked us through options related to purchasing vacation property, paying off the mortgage on our primary home, Roth conversions in our IRAs and tax implications of each decision. We also discussed some estate planning matters. The conversation was so helpful and Heather offered us some scenarios to consider that we hadn't thought of. She followed up with a detailed email reiterating what we covered and including an action plan.
Helpful for investing and tax guidance
Heather helped me validate my investing strategy and provided useful guidance on tax strategy
Heather was very helpful and knowledgeable. She...
Heather was very helpful and knowledgeable. She gave me great advice and options to take into consideration in my nearing retirement. Her knowledge on tax planning and impacts/options is impressive.
IPO/RSU headache begone! Talk with Heather!
My company IPO’d and I had a lot of financial questions that were giving me a headache; RSU’s, taxes, goals, etc. etc. The missing gaps in financial blogs and the variability of chatGPT was only making me delay decisions with deadlines fast approaching! I reached out to Heather due to her experience with tech companies, and when I vocalized my goals/concerns she gave me specific, concrete feedback. Despite only being an hour, I felt the follow-up I received from her came from a place of diligence. I had 2 meetings with her with more complex questions and she walked me through every step. I also felt she gave personalized recommendations based on my level of risk and financial stability. Nectarine is worth a shot, and recommend Heather above all else!
A knowledgeable, patient, and thorough advisor!
My first call with Heather was super helpful. She helped me navigate quite a few different account types I had but did not fully understand well, including an equity compensation account, 401(k), and Health Savings Account. She provided specific and well-defined next steps. I look forward to meeting with her again soon!
IRA Distribution, Tax Planning, RMD, Irmaa
Heather mentions Tax Planning in her Bio, being retired and actively withdrawing from my IRA, I needed some advice about Tax Planning & tax brackets, irmaa, cash flow and Distribution's and of course rmd's in the future, she took the time to listen and ask pertinent questions to understand my dilemma, goals and utilizing my accounts, the follow up notes was detailed and thorough, I enjoyed speaking with Heather and felt she did an excellent job for my situation, I would definitely work with Heather moving forward.
Preguntas frecuentes
The Hour: You'll fill out a short intake form so we can learn about you and your goals for our meeting! In your Nectarine account, you can also enter your personal financial information (net worth and budget details) as well as upload files to your Secure File Vault. We also recommend that you have any necessary account login information ready.
The Plan and The Ongoing: You'll get access to a financial planning portal where you can share your numbers, link your accounts, and upload the requested documents (we'll share a list).
The Hour: Yes, you will receive an email summary with important takeaways and resources so you'll know what to do next.
The Plan: Yes, you will receive a 8+ page roadmap on your full financial picture with detailed information on the next steps. Your advisor will be available to help you implement any items.