Financial Advisor In Morgan Hill, CA

Coordinated financial planning, investment management, and in-house tax preparation for families and professionals in Morgan Hill and the South Santa Clara Valley. Meet us in person at our Butterfield Boulevard office or by video anywhere in the country.

Schedule A Consultation In Morgan Hill Or Call (800) 584-3652

CFP® Certified Financial Planner Professionals
Fiduciary Advisory Advice Given In Your Best Interest
Morgan Hill Office Serving The South Santa Clara Valley In Person And By Video
25+ Years Of Financial Service Esperience

A Financial Advisor Rooted In Morgan Hill

Our California office sits on Butterfield Boulevard in Morgan Hill, where Silicon Valley gives way to the vineyards and open space of the South Santa Clara Valley. Many of the households we serve here are navigating a specific mix: technology and healthcare paychecks earned up the peninsula, equity compensation that vests in bursts, and a cost of living that makes every planning decision matter.

We work as fiduciaries in our advisory relationship, which means our recommendations are made in your best interest.

Why Coordinated Advice Matters

Households here often carry Silicon Valley income into a South County lifestyle. That combination raises questions about taxes, equity compensation, and timing that a generic plan can miss.

10.23% California's flat state withholding on stock options and bonuses at vesting or exercise. For the many Morgan Hill residents who earn equity up the peninsula, coordinating it with federal withholding helps avoid a surprise at filing. Source: California EDD, DE 231PS (2026)

$24,500 2026 employee 401(k) contribution limit, up from $23,500 in 2025. When a household maxes deferrals across two high earners, coordinating them with the rest of the tax plan matters more than the paperwork suggests. Source: IRS Notice 2025-67

$184,500 2026 Social Security wage base. Medicare has no cap, and an extra 0.9% applies above $200,000 for single filers. A large vest or bonus can move a South Bay earner across these thresholds in a single year. Source: Social Security Administration (2026)

Figures reflect federal and California rules for tax year 2026. Withholding is not the same as the tax you owe, which is settled on your return. We are not a tax or legal advisor for these general figures; consult your own professionals for your situation.

How We Help Morgan Hill Families

One coordinated team, working across the pieces of your plan rather than treating each one separately.

Investment Management

We build and manage a portfolio aligned with your goals and comfort with risk, and monitor it as your plan and the markets change. Learn More About Investment Management.

Tax Planning And Preparation

In-house tax return preparation and year-round planning keep your investment and retirement decisions tax-aware, which matters when California and federal rules both apply. Learn More About Tax Planning.

Retirement And Equity Planning

We model income, spending, and timing toward a work-optional future, and coordinate Restricted Stock Units and stock options for peninsula earners. Learn More About Retirement Planning.

Why Morgan Hill Families Work With Us

Your investments, taxes, and retirement decisions touch each other constantly. As CERTIFIED FINANCIAL PLANNER™ professionals and fiduciaries, we bring those pieces together, with in-house tax preparation and an education-first approach to planning.

Fiduciary Standard Of Care

Our advisory recommendations are made in your best interest, designed around your goals rather than product sales.
Planning And Taxes Under One Roof

In-house tax preparation keeps your investment and retirement decisions tax-aware throughout the year, not just at filing time.
A Local Office In Morgan Hill

We meet South County clients in person on Butterfield Boulevard, or by video whenever that is easier for your schedule.
Backed By Cambridge Investment Research

Securities and advisory services are offered through a national broker-dealer and Registered Investment Adviser, Member FINRA/SIPC.

Kim Gaxiola, CFP®

Partner | Financial Advisor

A CERTIFIED FINANCIAL PLANNER™ professional with more than 25 years in financial services, guiding tech professionals, business owners, and their families toward a work-optional path.

Carolyn Rowland, CFP®, EA

Partner | Financial Advisor

A CERTIFIED FINANCIAL PLANNER™ professional and IRS Enrolled Agent who has paired tax and financial planning since 2013 to sharpen strategies for clients.

Victor Gaxiola

Partner | Financial Advisor | Insurance Agent

A wealth management leader and frequent industry speaker with more than 30 years of client-facing experience, focused on educating and empowering clients.

Areas We Serve Around Morgan Hill

Our California office sits on Butterfield Boulevard in Morgan Hill, where Silicon Valley meets the South Santa Clara Valley. We meet clients here in person and by video across the communities below.

Morgan Hill Office

18181 Butterfield Boulevard, Suite 170
Morgan Hill, CA 95037

(800) 584-3652

Get Directions On Google Maps

Communities We Serve

Morgan Hill
San Martin
Gilroy
Coyote Valley
South San Jose
San Jose
Silicon Valley
South Santa Clara County

Talk With A Financial Advisor In Morgan Hill

If you want a clear, coordinated plan for your investments, taxes, and retirement, we would welcome a conversation. We will reach out from our Morgan Hill office to schedule a time that works for you, in person or by video.

Schedule A Consultation In Morgan Hill Or Call (800) 584-3652

Frequently Asked Questions

Working With A Morgan Hill Advisor

Do I Have To Live In Morgan Hill To Work With You?

No. We meet clients in person at our Morgan Hill office on Butterfield Boulevard and work with families across the South Santa Clara Valley and nationwide by video. Many clients mix both, meeting in person for milestone conversations and handling reviews online.

Which Communities Around Morgan Hill Do You Serve?

From the Morgan Hill office we regularly work with households in San Martin, Gilroy, the Coyote Valley, South San Jose, and the wider Silicon Valley area. Because we also meet by video, distance is rarely the deciding factor in whether we are a fit.

What Should I Bring To A First Conversation?

The first call is a no-cost introductory conversation, so nothing is required. If you want to make it concrete, a rough picture of your income, savings, and any equity compensation helps us talk through where coordinated planning would add the most value. There is no obligation to move forward.

Taxes And California Considerations

How Does California Tax Affect Planning For South Bay Earners?

California taxes wages, bonuses, and equity compensation as income, and it withholds a flat 10.23% on stock options and bonuses at vesting or exercise under California EDD guidance for 2026. Because that withholding is not the same as your final tax, coordinating it with federal withholding before a vesting event helps avoid a surprise at filing. We recommend confirming specifics with a qualified tax professional, and we prepare returns in house so this stays coordinated.

Can You Prepare My Taxes As Well As Manage Investments?

Yes. We offer in-house tax return preparation and ongoing tax planning alongside investment management, so your decisions stay tax-aware year round rather than only at filing time. For a household with equity compensation or a business, keeping tax and planning on one team is one of the clearest reasons clients work with us.

How We Work

Are You A Fiduciary?

In our advisory relationship, our recommendations are made in your best interest. As CERTIFIED FINANCIAL PLANNER professionals, we design advice around your goals rather than product sales, and we are glad to answer any questions about how we work and how we are compensated.

How Much Does It Cost To Work With You?

Comprehensive financial planning begins with a one-year engagement starting at $4,750, which includes an onboarding fee and a monthly subscription. Investment management is billed as a percentage of assets under management, ranging from 0.75% to 1.50%. Tax return preparation starts at $450. Your exact fee depends on the complexity of your situation and the services you choose.