A guide for every curve in the road.
The road to retirement rarely runs straight. A good financial advisor reads the terrain ahead, keeps you on a steady line, and rides alongside you through the turns. That is the role Cadence Capital Investments plays for families across San Ramon.
A financial advisor helps you organize, plan, and manage your financial life, from cash flow and investments to retirement, taxes, and protection. Cadence Capital Investments is an independent financial advisory firm based in San Ramon, California. Advisory services are offered through Prosperity Financial, a Registered Investment Advisor, which acts in a fiduciary capacity for those services.
What does a financial advisor do?
A financial advisor helps you make sense of the whole picture. Rather than treating your investments, your retirement, your taxes, and your insurance as separate problems, a good advisor connects them into a single plan and helps you act on it. That can mean clarifying your goals, building an investment strategy, planning the transition into retirement, coordinating with your CPA on taxes, and reviewing whether your family is properly protected.
Just as important is the ongoing relationship. Plans drift, markets move, and life changes. A financial advisor keeps the plan current and serves as a steady voice in the moments when emotion might otherwise drive a costly decision. At Cadence, that means a real partnership rather than a one-time plan that sits on a shelf.
What it means to work with a fiduciary
Not all financial professionals are held to the same standard. Advisory services are offered through Prosperity Financial, a Registered Investment Advisor, which acts in a fiduciary capacity for those advisory accounts, meaning an obligation to act in your best interest. Securities are offered through Fortune Financial Services, LLC, member FINRA/SIPC, under Regulation Best Interest. That standard shapes how advice is given and how conflicts are handled.
We are also independent. We are not a captive arm of a larger company with products to push, so advice can be built around your goals and your terrain alone. Our approach is fee-based, and where insurance solutions make sense, those are offered through licensed affiliates. We are always glad to explain exactly how we are compensated before you decide to work with us.
What we help with
Financial planning
Goals, cash flow, and a roadmap that ties the pieces together.
Investments
A diversified, disciplined portfolio managed around your plan.
Retirement income
Coordinating savings, Social Security, and withdrawals into a tax-aware income plan.
Tax coordination
Planning alongside your CPA so tax considerations are part of each decision.
Protection
Reviewing insurance needs and coordinating coverage through licensed affiliates.
Chevron benefits
Planning help for Chevron employees with the ESIP, pension, and stock.
Independent advice, built around you
We work with individuals, families, and retirees across San Ramon and the greater East Bay, including many Chevron employees navigating their benefits. Some come to us years before retirement; others are already drawing income and want a steadier hand. Wherever you are on the road, the work starts the same way: understanding your goals, then building a plan around them. We welcome a conversation regardless of where you are in the journey.
Common questions
What does a financial advisor do?
A financial advisor helps you organize and manage your financial life as one plan, covering goals, investments, retirement income, tax coordination, and protection, and keeps that plan current over time.
What is the difference between a fiduciary and a broker?
A fiduciary must act in your best interest for the advisory services it provides. Broker-dealers making recommendations to retail investors are held to Regulation Best Interest, which also requires acting in your best interest at the time of a recommendation but differs in scope and duration. At Cadence, advisory services are offered through Prosperity Financial in a fiduciary capacity, and securities through Fortune Financial Services, LLC under Regulation Best Interest. Ask any advisor which standard applies to each service and how they are paid.
How is a financial advisor paid?
Cadence's advisory relationship is fee-based. Where insurance products are appropriate, they are offered through licensed affiliates and agents, and commissions may apply. We are glad to walk through our compensation before you engage us.
Do I need a financial advisor?
Not everyone does, but many people benefit from a coordinated plan and an objective partner, especially around major transitions like retirement, a job change, or a Chevron buyout. A first conversation is a low-stakes way to find out.
Do you have an account minimum?
We work with clients at a range of life stages and welcome a conversation about your situation regardless of where you are in the journey. Reach out and we will be straightforward about whether we are the right fit.
Keep exploring
Advisory services are offered through Prosperity Financial, a Registered Investment Advisor, which acts in a fiduciary capacity for those advisory accounts. Advice is fee-based; insurance and annuity products are offered through licensed affiliates and agents, and commissions may apply. This page is general information and is not investment, tax, or legal advice. Investing involves risk, including the possible loss of principal. Consult your CPA or attorney regarding your specific situation.
Find a guide for the road ahead
Schedule a complimentary, no-obligation conversation with a San Ramon financial advisor who works for you.
