Welcome! I started Balance Financial Planning with a desire to provide objective, practical financial planning and investing advice to help individuals and families manage their finances and plan for the future.
Having a plan in place for your finances is the first step to reaching many of your goals. Whether it’s saving for retirement, starting your own business, staying home with the kids, or traveling around the world, having a plan in place today will give you more options and freedom in the future.
I help people find strategies to reach their goals and develop personal plans that create a more organized and less stressful financial life. My investing philosophy is to use mainly low cost index and exchange-traded funds to design a diversified portfolio that builds wealth over time.
Cheryl earned a graduate certificate with distinction from the UC Berkeley Personal Financial Planning Program in 2005 and earned her Certified Financial Planning™ certificate in 2008. Cheryl also earned a Masters of Economics from Georgetown University and Bachelors of Science in economics from University of California at Santa Barbara.
Cheryl has worked over fifteen years in the finance industry and over five years providing personal financial planning and investing services. Most recently, Cheryl worked at a financial advisory firm helping California public school districts obtain financing from the capital markets. She has also worked at the World Bank, National Bureau of Economic Research, Barclays Global Investors and Wells Fargo.
Cheryl lives with her husband and two daughters in Oakland, California. She enjoys baking and cooking, running, reading, and spending time with family and friends.