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Alison Davies

CFP®
Personal Finance, Retirement, Investing
91%
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15
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10
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“Alison Davies, principal of Fruition Advisors LLC, loves helping her clients achieve their financial goals and is an assiduous steward of their portfolios.”
Firm:

Fruition Advisors LLC

Job Title:

Certified Financial Planner

Biography:

Alison Davies established Fruition Advisors LLC in 2013 after working with an independent investment advisory firm since 2010. She has a comprehensive knowledge of financial planning and investment management issues, having worked closely with individuals and families to find personalized solutions for simple to complex financial challenges.

Alison is a CFP® (Certified Financial Planner™). This mark is the gold standard of the financial planning industry and indicates that Alison has fulfilled the rigorous experience, examination, and ethical requirements in order to receive this designation.

Alison also holds a Certificate of Completion from the Professional Sequence in Personal Financial Planning Program at the University of California, Berkeley Extension, a Series 65 license from the Securities & Exchange Commission (SEC), and she is a member of the Financial Planning Association (FPA) East Bay Chapter.

As a comprehensive financial planning firm, Alison and her team's goal is to completely understand each client’s unique financial circumstances. Their approach is to carefully analyze clients’ financial situations, provide individualized recommendations for clients to meet their financial objectives, and monitor progress. Alison's emphasis is on realistic goal-setting and the promotion of long-term financial health. She believes that everyone deserves peace of mind and security when looking toward their financial future.

Prior to entering the financial industry, Alison earned a Bachelor’s degree in American Studies from Williams College in 2000 and a Master’s degree in Literature from the University of California, Santa Cruz in 2005.

Education:

BA, American Studies, Williams College
MA, Literature, University of California, Santa Cruz
Professional Sequence in Personal Financial Planning, University of California, Berkeley Extension

Fee Structure:

Fee-Only

CRD Number:

5860661

All Articles
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March 2018
    Estate Planning, Lifestage Based Planning
January 2017
    Marriage / Divorce, Social Security
February 2017
    ETFs, Mutual Funds
April 2017
    Debt, Personal Finance
January 2018
    Retirement, Insurance

All Answers
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Most Helpful
    Estate Planning, End of Life
If four adult siblings inherit an equal amount of an estate, but one of the four passes away, does his portion of the estate go to the rest of the siblings or to his children?
100% of people found this answer helpful

I have two paths to answer your question.

1. If the sibling passes away before the parent passes away, then the parent's will or trust should be updated to reflect the parent's wishes.

2. If the sibling passes away after the parent passes away, then the estate could distributed several different ways. First, the estate could be probated according to the will or distributed according to the trust. Second, the estate could be distributed "per capita", meaning each share is equally divided per head. The assets would then go to the surviving beneficiaries. Third, the estate could be distributed "per stirpes", meaning each share is equally distributed per branch of the family. The assets would then flow through to the deceased beneficiary's children.

Bottom line is that the parent likely decided on a distribution plan when putting together their estate plan, however simple or complex.

It is often difficult to talk about money in families before the parents pass away, but I always encourage clients to have these conversations if possible to avoid confusion and disagreement when it does come time to distribute an estate.

August 2018
    Personal Finance
Should I buy or lease my next car?
100% of people found this answer helpful
14 hours ago
    Banking, Investing, Senior Care
What is a good, low-risk investment option for someone in their 80s that will still allow them to access their money if needed?
71% of people found this answer helpful
March 2018
    Debt, Estate Planning, Investing
Should I leave a large inheritance sum in an investment account or pay down our mortgage?
67% of people found this answer helpful
April 2018
    Banking, Career / Compensation, Retirement, IRAs, Mutual Funds
Should I reduce my 401(k) contributions to save money for a down payment?
67% of people found this answer helpful
July 2018