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Huber, CFP Chico CA - Our Investment Management Process Decision-Making: We utilize evidence-based principles to guide every investment decision. Asset Allocation: Your assets are strategically placed to minimize the tax burden on high-growth investments. Low-Cost Investing: We focus on index funds and ETFs for broad diversification, global access, and lower fees. Diversification: Portfolios are built with diverse assets to help smooth out returns and reduce risk. Rebalancing: We adjust portfolios regularly to keep your risk level balanced and to capture opportunities as markets change. ESG Investing: We offer sustainable investment options, letting your portfolio reflect your personal values and positive impact on the world. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/acbb5b12-bdf3-4758-b22d-0f0085a282c0/ESG+sleeve.png Investment Management | Embrace Wealth | Kim N. Huber, CFP Chico CA - Why Sustainable Investing Matters Sustainable investing matters because it helps lower risks by focusing on companies and funds that address climate change, social equity, and good governance. By considering environmental, social, and governance (ESG) factors, investors often achieve competitive long-term returns while promoting ethical and responsible business practices. https://embracewealthmgmt.com/tax-planning daily 0.75 2026-03-08 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/ef47cf6b-9d57-4c46-b882-90de2c2fa6b7/4+places.png https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/db4ce705-abed-4855-8722-4064a11ec8ee/Tax+Planning+Kim+Huber+Chico%2C+CA Taxes in Retirement - Kim N. Huber, CFP | Embrace Wealth | Financial Advisor Chico CA - Tax Planning We help lower taxes over your lifetime with smart investing, tax‑efficient withdrawals, and proactive planning for surprises like IRMAA, NIIT, and the widow’s penalty, using AI‑powered analysis to uncover opportunities you might otherwise miss. https://embracewealthmgmt.com/kim-n-huber-cfp-financial-advisor-financial-planner-chico-ca-reviews-testimonials daily 0.75 2026-03-08 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Kim N. Huber, CFP | Embrace Wealth CFP for Retiree and Women in Tech Chico CA https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Kim N. Huber, CFP | Embrace Wealth CFP for Retiree and Women in Tech Chico CA https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Kim N. Huber, CFP | Embrace Wealth CFP for Retiree and Women in Tech Chico CA https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Kim N. Huber, CFP | Embrace Wealth CFP for Retiree and Women in Tech Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/5522b50a-1023-4774-80b1-440c80830935/cfp+professional.jpg https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/53e8fbc6-850a-4bd5-87b4-6bc9b9407292/Kim+Huber.png https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/8b03b60a-d7cf-4220-8582-60c5fb60a320/Voted+Best+of+Chico+2019+Kim+Huber https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/369c7d49-abca-4b98-a62e-d55aa9cbd69d/Voted+Best+of+Chico+2023+Kim+Huber https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/e1c10a70-7956-436d-b9b8-8db45955c996/Kim+Huber+family Kim N. Huber, CFP | Embrace Wealth CFP for Retiree and Women in Tech Chico CA Lifelong learner Curiosity guides me. I keep growing through workshops, conferences, and my favorite financial and leadership podcasts. Community champion Giving back matters. I support Soroptimist International of Chico and our mission to empower women and girls in our community and around the world. Family first ❤️ Away from the office, I treasure time with my family and our service dog, Berta. We love cooking together and relaxing with Disney, Marvel, and Pixar movies. https://embracewealthmgmt.com/services daily 0.75 2026-03-20 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/5c11abbb-8ebe-4960-b184-f7886cca383d/tax+planning+Kim+Huber%2C+Chico%2C+CA Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/38664960-87a5-47b9-87e3-ba3446280b68/unsplash-image-98WPMlTl5xo.jpg Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/76b317d5-2338-4166-85b0-e4f6fb5bab38/unsplash-image-R8Hco_-WcxQ.jpg Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/1678784058185-V69GAUYMSO4818Y7FOZL/investments Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/086eaa0f-9cbb-48a9-b25e-7ead2fe0a6c8/secondopinion.jpg Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/d300f18f-b2ca-4564-ae30-30c5ed5d58e6/Embrace%2BPlanning%2Bprocess.webp https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/8a1cbcfa-da8e-4331-82b6-8133a44cd26c/tax+planning+Kim+Huber%2C+Chico%2C+CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/d26d8270-036e-4f81-99a5-77dbf5c85d03/Retirement+Planning+Kim+Huber+CFP%2C+CFP+Professional%2C+Certified+Financial+Planner%2C+and+Certified+Financial+Planner+Professional Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA Retirement Income Planning We help retirees tackle the big questions: how much you need to retire, when you can realistically step away from work, and how much you can safely spend each year without running out of money. We guide you on how to invest before and after retirement to balance growth, income, and risk, how to reduce taxes over your lifetime with smart withdrawal and Roth conversion strategies, and when to claim Social Security and pension benefits to help maximize lifetime income for your household. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/9a6b1159-5726-486f-9ad8-138edbaf6a81/Financial+Planning+Chico%2C+CA Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA - Financial Planning You deserve financial advice that starts with your life, not just your numbers. Your goals, your values, and your timeline shape every recommendation we make, whether it’s taxes, retirement, or day‑to‑day financial decisions. You get clear guidance, not jargon, so you can move forward with confidence and build a financial life that truly supports the future you want. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/ace68875-f130-4664-93ea-f5dca68cc664/investments Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA - Our Investment Management Process Decision‑Making We use clear, evidence‑based principles so you understand why you own what you own. Asset Allocation We thoughtfully allocate your assets to drive growth while monitoring tax exposure. Low‑Cost Portfolios We build portfolios with index and exchange‑traded funds to access global markets, diversify, and help keep fees low. Diversification We design broadly diversified portfolios to seek more stable, consistent returns over time. Rebalancing We regularly rebalance your portfolio to maintain your desired risk level and capitalize on market shifts. ESG Investing Approach If it matters to you, we can align your investments with sustainable goals and avoid companies that harm the Earth or humanity. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/f0a5c032-c5f7-42b5-acbd-99260ea66435/estate+planning Financial Planning, Retirement, Taxes | Women in STEM | Financial Advisor Chico, CA - Estate Planning & Trust Services Estate planning is deeply important to us because it’s about protecting the people and future you care about most. We’ll review what you already have or help you put the right pieces in place: trusts, wills, health care directives, and powers of attorney. Using Wealth.com, we guide you step by step so you stay organized, your wishes are clear, and your family is cared for. In the end, you’ll have the key documents you need to protect your legacy and the people who matter most. https://embracewealthmgmt.com/retirement-planning daily 0.75 2026-03-20 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/77c9d974-bb3c-483b-8ef8-b4a035f7a3fe/Transitions+to+Retirement.png https://embracewealthmgmt.com/women-tech daily 0.75 2026-03-08 https://embracewealthmgmt.com/our-clients-with-testimonials-1 daily 0.75 2026-03-08 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Testimonials - Embrace Wealth - Best Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Testimonials - Embrace Wealth - Best Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Testimonials - Embrace Wealth - Best Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511743693-J3A8OYH6X8C7RXNU5K0J/20140301_Trade+151_0124+1.jpg Testimonials - Embrace Wealth - Best Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/d92375be-3d7e-434a-9758-2c24559624ed/client+testimonial+Embrace+Wealth https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/e9eb2576-9096-42e7-b75a-b06cb0251fb2/client+testimonial+Embrace+Wealth https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/d3316fd8-beb1-436f-890a-dd3afb612e5b/Embrace+Wealth+Management+reviews https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/eb039345-0416-4320-8bb5-06894fee27a6/Embrace+Wealth+Management+reviews https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/ee7e06f7-816b-411e-b2b1-7a52af375f1b/Embrace+Wealth+Management+reviews https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/53e8fbc6-850a-4bd5-87b4-6bc9b9407292/Kim+Huber.png https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/8b03b60a-d7cf-4220-8582-60c5fb60a320/Voted+Best+of+Chico+2019+Kim+Huber https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/369c7d49-abca-4b98-a62e-d55aa9cbd69d/Voted+Best+of+Chico+2023+Kim+Huber https://embracewealthmgmt.com/ariella-murphy daily 0.75 2026-03-06 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/a824631e-b633-4aa2-8bba-da39e9a235ed/Ariella+Murphy.png Ariella D. Murphy - Embrace Wealth - Chico CA - Ariella (Ari) D. Murphy Associate Paraplanner I’m a Finance and Accounting student at Chico State University, passionate about financial wellness and helping others achieve their goals. Through involvement in the Financial Planning Club, Student-Managed Investment Fund, Venture Capital Club, and Accounting Society, I’ve gained hands-on experience in financial analysis and strategy. I’ve also competed in top competitions, including the Venture Capital Investment Competition and the Financial Planning Competition—earning top-three placements. With multiple Associate’s degrees in business and economics, I bring a strong academic and practical background. Outside of finance, I enjoy hiking, fitness, and time by the ocean. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/b9ec3688-2520-4824-a358-20f5dcfdea0c/Ariella+family+Chico%2C+CA Ariella D. Murphy - Embrace Wealth - Chico CA - Dress up. Game up. Family up. https://embracewealthmgmt.com/estate-planning daily 0.75 2026-03-08 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/f0a5c032-c5f7-42b5-acbd-99260ea66435/estate+planning Estate Planning | Embrace Wealth - Kim N. Huber, CFP - Financial Advisor Chico CA - Estate Planning Made Understandable Our Estate Planning & Trust Services offer step‑by‑step guidance so you can understand your documents in plain language, not legal jargon. We use Wealth.com’s tools to help you: Create customized, state‑specific documents—trusts, wills, powers of attorney, and healthcare directives—tailored to your situation. Instantly pull out and summarize key details from your documents with AI‑powered features, so you know what really matters. Visualize your estate plan with interactive tools and clear flowcharts, making it easy to see how assets and responsibilities will pass to the people you care about. Estate Documents Included Revocable Trust & Pour-Over Will Last Will & Testament Financial Power of Attorney Advance Health Care Directive Nomination of Guardianship https://embracewealthmgmt.com/careers daily 0.75 2026-03-03 https://embracewealthmgmt.com/positions-closed daily 0.75 2026-03-03 https://embracewealthmgmt.com/team-2025 daily 0.75 2026-03-24 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/5c11abbb-8ebe-4960-b184-f7886cca383d/tax+planning+Kim+Huber%2C+Chico%2C+CA About https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/38664960-87a5-47b9-87e3-ba3446280b68/unsplash-image-98WPMlTl5xo.jpg About https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/76b317d5-2338-4166-85b0-e4f6fb5bab38/unsplash-image-R8Hco_-WcxQ.jpg About https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/1678784058185-V69GAUYMSO4818Y7FOZL/investments About https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/086eaa0f-9cbb-48a9-b25e-7ead2fe0a6c8/secondopinion.jpg About https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/df6e607b-7c4f-46a6-b200-f48c20a7e4e8/KH+Cover+image.png About https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/6eeeb0f4-20a1-4b64-9384-6ca32f6f82e9/AM+Cover+image.png About https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/53e8fbc6-850a-4bd5-87b4-6bc9b9407292/Kim+Huber.png https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/8b03b60a-d7cf-4220-8582-60c5fb60a320/Voted+Best+of+Chico+2019+Kim+Huber https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/369c7d49-abca-4b98-a62e-d55aa9cbd69d/Voted+Best+of+Chico+2023+Kim+Huber https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/1614227435397-RQ1LXD9RNMQ554DH6JE9/WealthConsultingGroup About - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/9e45db23-eedf-4880-872b-a3a73263c890/LPL+Financial About - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://embracewealthmgmt.com/alexis-gallmon daily 0.75 2026-03-06 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/016c3d48-aad6-4623-b8af-f3b92df25344/alexis-gallmon_headshot.jpg Alexis Gallmon - Alexis Gallmon Client Service Associate With years in client service, account management, and operations, my passion is helping people feel comfortable and cared for at every step. I love it when clients walk away feeling confident and supported. Building trust through clear communication and genuine relationships is important to me. Outside of work, I love spending time outdoors, thrifting for hidden treasures, and making special memories with my family. Staying active and connected inspires how I show up for others. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/0aac33a6-e44f-49a6-85f8-a18285ffd25f/Alexis++Gallmon.jpg Alexis Gallmon A daughter is a little girl who grows up to be her mother’s quiet miracle. https://embracewealthmgmt.com/home-1 daily 1.0 2026-03-25 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/9366334a-61f8-40cf-8380-cb5b48a605ae/Women+in+Tech+Chico%2C+CA.jpg Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/66b3cc77-56ac-4671-9abb-1d7967128897/Retired+Women+Chico%2C+CA.jpg Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/5c11abbb-8ebe-4960-b184-f7886cca383d/tax+planning+Kim+Huber%2C+Chico%2C+CA Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/76b317d5-2338-4166-85b0-e4f6fb5bab38/unsplash-image-R8Hco_-WcxQ.jpg Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/1678784058185-V69GAUYMSO4818Y7FOZL/investments Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/086eaa0f-9cbb-48a9-b25e-7ead2fe0a6c8/secondopinion.jpg Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/a528d88d-2203-49a5-82d9-699204489df0/unsplash-image-98WPMlTl5xo.webp Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/df6e607b-7c4f-46a6-b200-f48c20a7e4e8/KH+Cover+image.png Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/6eeeb0f4-20a1-4b64-9384-6ca32f6f82e9/AM+Cover+image.png Embrace Wealth | Kim N. Huber, CFP | Fiduciary Financial Advisor Chico CA https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/53e8fbc6-850a-4bd5-87b4-6bc9b9407292/Kim+Huber.png https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/8b03b60a-d7cf-4220-8582-60c5fb60a320/Voted+Best+of+Chico+2019+Kim+Huber https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/369c7d49-abca-4b98-a62e-d55aa9cbd69d/Voted+Best+of+Chico+2023+Kim+Huber https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/96e33f78-8428-49d4-a087-7b7260e13ce2/Color+logo+-+no+background.png https://embracewealthmgmt.com/surprise-holiday-greeting daily 0.75 2026-03-06 https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/e9254fb7-7a09-4725-822b-51940b8d2242/bertahuber.jpg Season's Greetings Berta may be nine now, but she is still all puppy face. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/e7bad9fe-45e2-459c-970b-f42f93e8978f/2025-07-10+-+Aulani+-+Aulani_3.jpeg Season's Greetings Geoff and I celebrated our thirty second wedding anniversary in Hawaii with our boys. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/76ca88b2-0ae5-492f-84d8-30dc19b2a2ca/Hawaii.jpg Season's Greetings We explored Hawai‘i’s eco lands by jeep, learning about the island’s indigenous plants and vegetation along the way. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/b610d71e-4241-46a1-bdea-2762eec40b67/Bob+%26+Kim.jpg Season's Greetings Just one of many Christmases with Bob, who welcomed me into the family and treated me like his daughter. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/2f9f6134-8265-424c-9c8e-2e098f88fee4/Christian+%26+Berta.jpg Season's Greetings Christian was so delighted to bring home Berta, his new service dog from Canine Companions. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/edca1063-716b-4bfc-87e7-8ea866ce03d3/PXL_20250608_122604523.jpg Season's Greetings I had the joy of touring the East Coast with my son Collin and his graduating eighth grade classmates, exploring New York, Boston, and Washington, DC. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/a063ae44-3810-4811-850a-2c2606105254/PXL_20250810_191626619.jpg Season's Greetings I have the joy of visiting my mom in Dallas each quarter. https://images.squarespace-cdn.com/content/v1/600dd8a42c69ea16574d0973/84390f2a-4078-4e9a-8645-72e7f4f9806d/EWM+Holiday+Greeting.png