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We believe that true financial planning is not a one-time deliverable.


It’s an ongoing process that enables you to make informed decisions, to align your capital with your values, and to sleep well at night knowing that you are on track to meet your most important goals. Explore here to learn about the Rivermark philosophy and planning process, and to meet your Advisor. 

Our Philosophy

1

Broad-based financial planning is an ongoing process that enables you to make informed decisions throughout life and it involves much more than your investment portfolio.

2

You encounter more critical financial decisions in your 30’s & 40’s than at any other point in your life. This is also the phase of life when you have the least amount of free time to devote to such tasks.

3

 A financial planner’s job is not to overwhelm you with technical jargon, but to translate complex topics clearly & concisely so you can make informed decisions with confidence.

What to expect from the RWM financial planning process

Perhaps you’ve been considering hiring a financial planner for some time, but you’re not sure what to expect from the process or how it all works.

You can use this high-level overview to get a feel for the steps we'll take together in our financial planning program.

The financial planning process at its core is all about enabling you to make smarter decisions that will grow and protect your wealth over time.  The process is also designed to reduce the amount of time you spend second-guessing your decisions or stressing about money so you can use this time with friends and family or pursuing your passions.

Step 1

Define Your Goals


The first step in building your financial plan is defining your values & goals.  We work with you to categorize your list into must have's like basic living expenses and more aspirational goals like a vacation home.

Step 2

Get Organized


We gather all of your relevant financial information, documents, and data.  This give us a baseline for your plan and identifies any immediate needs to address.

Step 3

Develop the Strategy


We combine your goals, resources, risk tolerance, and other relevant information to map out what we consider to be the optimal strategy to achieve your goals and to live the life that you want.

Step 4

Implement the Plan


We begin to execute your financial plan and start to make progress.  Everything from opening accounts, to re-allocating investments, to engaging with a CPA or estate attorney.  We will provide specific action items and identify who will be responsible for each. 

Step 5

Monitor, Motivate and Adjust


After meeting 4-6 times during our first year working together, we’ll meet at least 2 times annually thereafter to discuss changes in your life, to monitor progress toward goals, to provide coaching and motivation, and to adjust your plan accordingly. 

Meet Your Advisor

Meet Ron Photo

Meet Ron

My name is Ron Guay. I am a fee-only, fiduciary financial advisor based in Sunnyvale, CA. I primarily work with high income professionals that are squarely in the wealth accumulation phase of their financial lives (30’s & 40’s).

After spending the first 20 years of my career in financial planning & analysis roles within a large corporate setting, I made the decision to leave a strong six figure salary and Vice President title to pursue my dream of promoting financial wellness and literacy in the community while running my own business. I launched Rivermark Wealth Management to make this dream a reality. I look forward to working for you and your family to clarify your primary goals & values, to building a financial plan customized to your unique objectives, and to being your financial coach through all of life’s twists and turns.  

As you will see, my Services are available on an “as needed” or ongoing basis and there are no required account minimums, so you can get the advice that you need on your terms.

Below I answer some common questions about myself, my relevant work experience, and my investment philosophy. For a more exhaustive list of questions, please go to the FAQ section

What does “fee only” mean?

Fee only means that 100% of my compensation comes from the clients that I engage with. We do not sell you products, earn commissions or receive kickbacks from 3rd party financial service providers. The bottom line here is that you can trust that the advice I give you is objective and not influenced by anything other than helping you reach your goals.

What does fiduciary mean?

Investopedia explains it like this: “A fiduciary's responsibilities are both ethical and legal. When a party knowingly accepts a fiduciary duty on behalf of another party, they are required to act in the best interest of the party whose assets they are managing.” When you engage with me for financial advice and guidance, that other party is you.

Where did you work prior to launching Rivermark Wealth Management?

I started my career at General Electric as a member of their prestigious Financial Management Program (FMP). I worked in a wide range of finance roles covering financial planning & analysis, risk management, budgeting / expense management, short & long-term forecasting, business development, auditing and accounting.

In 2014, GE spun off the division I was working in which created a newly public company named Synchrony Financial (Ticker: SYF, IPO: July 31, 2014). One thing I didn’t expect while working at one of America’s largest and most respected corporations was an initial public offering, but as they say…the only constant is change.

Over the 20 years that I worked at GE / SYF, I spent nearly half this tenure in client-facing finance leadership roles. It was in these settings that I developed the important skills of budgeting, cash flow and risk management, optimizing the relationship between risk and return, and also the ability to communicate complex financial topics clearly & concisely to a “non-finance” audience.

How would you describe your investment philosophy?

First and foremost, I believe that investing is about leveraging your financial resources to achieve your goals and live the life that you want. It is not purely about achieving the highest return or telling wild stories about how much money you have made on Facebook stock (as fun as that might be!). He who dies with the largest number doesn’t win. He who dies with the least regrets does.

In addition to this, a few other key principles that I believe increase your probability of success and make for a better investment experience:

Focus on what you can control: Keep expenses low, minimize taxes, live below your means to free up your capital to invest and grow your wealth.

Diversification always trumps conviction: Have you ever heard of Enron or Worldcom? No matter how much time you might have spent reviewing their financial statements and annual reports, it is virtually impossible that you would have been able to spot the critical issues and exit before the house caved in. Don’t fool yourself into thinking that the same cannot happen to one of today’s rock solid corporations and naively invest sizable portions of your wealth (and your family’s future) in any one of them.

It’s not better investments that are needed, it’s better investor behavior: You don’t need to spend more time reading Barron’s, watching Jim Cramer, or attending the Berkshire Hathaway annual investor conference. The market has handsomely rewarded people that put their money in and got out of their own way. There is compelling data showing that longer holding periods correlate strongly with better returns (“less is more”). It’s all about time in the market, not timing the market. For almost the last 10 years, having discipline doesn’t seem to have mattered much as the market has steadily increased to record highs. Over the long haul, tuning out the “noise” and staying disciplined when the market feels disappointing or downright scary is likely your best weapon on your path to financial independence .

What do you like to do outside of your business?
  • I enjoy traveling and experiencing new places. My wife Deepti and I set a goal to visit 1 international destination each year. 9 years into our journey together, we have 10 unique stamps in our passports, so we’re slightly ahead of our target.  
  • I enjoy getting involved in my kids’ activities. I’m a volunteer coach for both my 7 and 5 year old’s soccer teams. I help out with the Parent Teachers Association at their elementary school as much as possible.
  • I like to roll up my sleeves in the kitchen. I clearly will not be the next Bobby Flay or Gordon Ramsay, but I can prepare a mean chicken picata or pan-seared salmon.