Elizabeth Saghi

CFP®
Personal Finance, Retirement, Investing
83%
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“Elizabeth Saghi, President of InAlliance Financial Financial Planning, works with her clients so, together, they can set realistic goals and build the road map to get them there with a simple, workable plan.”
Firm:

InAlliance Financial Planning

Job Title:

President

Biography:

Elizabeth Saghi, President of InAlliance Financial Financial Planning, is the founder and President of InAlliance Financial Planning, a fee-only financial planning firm serving individuals and small businesses in Santa Barbara and throughout the Central Coast region. Her mission is to help her clients take full ownership of the financial direction of their lives.

Elizabeth became a financial planner because she wanted to help people discover the power of the financial planning process. She is especially passionate about helping women, in particular, become financially literate, independent and secure. And she truly believes that if clients have control of their money,  they'll have control of their lives.

Elizabeth has over 30 years of experience in the financial services industry, where she worked in New York, London and San Francisco as a financial advisor for major investment banks including Morgan Stanley, Merrill Lynch, BNP Paribas and Credit Suisse. Prior to founding InAlliance Financial Planning in 2014, she was the Marketing Manager for Santa Barbara Bank & Trust's Wealth Management and Trust division. She holds a BS from Boston University, and a Certificate in Financial Planning from the College of Financial Planning in Denver.

As a Certified Financial Planner (CFP®) and Registered Investment Advisor (RIA), Elizabeth is considered a fiduciary and therefore, must always act in the best interests of her clients.

Education:

BS, Nursing Science, Boston University
Certificate in Financial Planning, College of Financial Planning, Denver

Fee Structure:

Fee-only - Hourly, Project and Retainer

CRD Number:

707605

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May 2017
    Investing, Stocks
November 2017

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    Life Insurance, End of Life, Women & Money
How should I invest my late husbands life insurance policy?

First of all, I am so sorry for your loss.  You didn't mention how long ago your husband passed away, but if it's fairly recent, I would strongly advise you to talk with a financial advisor, preferably one that is a fiduciary and has had experience helping widows such as yourself.  I'm happy for you that you have insurance proceeds that can be invested, so I'm assuming your cash needs for daily living are covered by other funds.  Your first priority should be to make sure you have access to funds to pay bills and expenses for you and your family.  

After things have settled down and you have decided where you'd like to live or what sort of lifestyle you'd like to have going forward, your advisor can map out an investment plan to meet those objectives.  There is no cookie cutter approach to investing.  A good strategy depends on your needs and goals, your time horizon (i.e. when will you need access to the money), your risk tolerance and other investments available. 

I hope you'll find a good advisor with whom you feel comfortable.  Interview several until you find the right person so that you can develop a good, long-term relationship.  I wish you the very best as you transition to your new life.

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April 2017
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