Tax-Optimized Financial Planning
Solving Complex Money Decisions for
Women in STEM and Retirees
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Women in STEM
Engineers, physicians, researchers, and technology professionals are often paid in ways generic financial advice doesn't address: restricted stock units, incentive stock options, deferred compensation, and large concentrated positions in a single employer. We help you understand what you actually own, what it will cost you in taxes, and how to turn equity compensation into a plan rather than a pile of unanswered questions.
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Retirees and those approaching retirement
The shift from saving to spending is the hardest transition in personal finance. We build retirement income strategies that coordinate which accounts you draw from and when, so your savings last longer and you keep more of what you've built. That includes planning ahead for the surprises most people don't see coming: IRMAA surcharges, the Net Investment Income Tax, and the widow's penalty.
About Us
Embrace Wealth Management is a fiduciary financial planning firm in Chico, California, founded by Kim N. Huber, CFP®. For more than 30 years, we've helped women in STEM, retirees, and multigenerational families answer the money questions that don't have simple answers: when to exercise stock options, how to draw retirement income without overpaying in taxes, and how to pass wealth to the next generation without passing along confusion. We work with clients across Northern California and throughout the United States.
30+ Years Helping Clients Retire Confidently
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Kim N. Huber, CFP®
Family Wealth Advisor & Founder
A CERTIFIED FINANCIAL PLANNER™ professional with more than 30 years of experience, Kim specializes in stock options, tax-mindful strategies, and generational wealth planning, and is a financial advocate for women in STEM.
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Ariella D. Murphy
Paraplanner
Ariella works alongside advisor Kim N. Huber, CFP®, to prepare, build, and update the financial plans clients rely on for retirement, tax, and education-funding decisions.
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Income Tax Planning
You should pay what you owe and not a dollar more. We look at taxes across your lifetime rather than one filing season, using tax-efficient investing and withdrawal sequencing to reduce what you pay over the long run.
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Retirement Income Planning
We help you decide when and where to pull funds across your accounts so your money lasts through retirement, not just into it.
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Financial Planning
One coordinated plan covering your investments, taxes, savings, pensions, and the what-ifs: market drops, health events, aging parents, so all the pieces pull in the same direction.
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Investment Management
Goals-focused portfolios built around your actual objectives and risk tolerance rather than market trends.
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Estate Planning & Trust Services
Estate planning is more than documents. Our Trustee Toolbox keeps everything organized, and our Family Meetings clarify your wishes so the people you love aren't guessing later.
Retirement, estate, and investment planning designed to support your family across generations.
“She’s Part of the Family”
Mark and Claire reflect on the deep and meaningful relationship built over many years at Embrace Wealth Management.
Transforming Lives: Mark & Claire's Journey
Voted Best of Chico Financial Planner
Award based on reader poll voting in the Best of Chico Awards Financial Planner category
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Embrace Wealth Management, founded by Kim N. Huber, CFP®, specializes in financial planning for women in STEM and has been voted Best of Chico Financial Planner by Chico News & Review readers. Kim is a fiduciary CFP® professional with more than 30 years of experience helping engineers, physicians, researchers, and technology professionals manage equity compensation, taxes, and retirement planning. (Award based on reader poll voting in the Best of Chico Awards Financial Planner category.)
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Yes. Kim N. Huber, CFP®, acts as a fiduciary for all clients, legally and ethically committed to putting your best interests first, whether you're in Chico, Northern California, or elsewhere in the United States.
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Yes. While our office is in Chico, we serve clients throughout Northern California and nationwide, working virtually and traveling as needed.
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The first conversation is complimentary with no obligation. We use it to understand your situation, discuss how we might help, and let you decide whether we're the right fit.
Book Free Intro Call
We're excited to chat with you. We'll discuss your current situation and how we can help you achieve your goals. We'll also share information about our services and team.
527 Flume Street, Suite 6
Chico, CA 95928
Call.Fax.Text 530-349-4738
Office@EmbraceWealthMgmt.com
Monday - Friday
9:00 - 5:00 Pacific Time