We use a fee based model, with separate pricing for financial planning and investment management so you know exactly what you are paying for and why.

Financial planning is generally priced as a flat project fee or annual retainer, based on your situation, goals, and the overall complexity of your financial life.

Investment management is priced as a percentage of the investments we manage on your behalf, with tiered pricing that adjusts as your assets grow.

Planning for existing investment management clients is often bundled or discounted so your total cost stays reasonable relative to the value, time, and ongoing guidance you receive.

Before we begin any work, we will clearly communicate your recommended service level, the exact fee, how it is calculated, and how it will be billed, and you have time to review and ask questions. If you are comparing advisors and searching for financial advisor fees for women in STEM or retirement planning fee structure in Chico California, we welcome an opportunity to share how our pricing works and whether it feels like a good fit for you.

We begin with a discovery process to understand your goals, values, and current financial picture, then outline a clear plan and action steps.

We meet for focused planning and review meetings, usually once or twice a year, to update your strategy as life, markets, and tax rules change.

Ongoing access to our team throughout the year. We are available by phone, email, text, Zoom, or in person when questions come up or when something in your financial life changes. We are here as your year round resource, not just during review season, helping you keep your plan up to date and aligned with your goals.

Between meetings, we monitor your investments and key planning areas and reach out when we see opportunities or risks that may affect your plan.

This collaborative approach is designed to give you clarity, reduce financial stress, and help you feel supported as you make decisions for your life, family, and future.

Yes. Embrace Wealth Management’s Certified Financial Planners (CFP®) act as fiduciaries for all clients in Chico, Northern California, and nationwide. This means advice and recommendations are always made with your best interests in mind—never commissions or outside influences. You can trust that your needs come first, whether you’re local or working with us virtually.

We specialize in tax-optimized financial planning for women in STEM and retirees, offering tailored advice and strategies crafted for local clients in Chico, Northern California, and those across the country. Our approach integrates personalized planning, in-depth tax guidance, and holistic wealth management.

We focus on Women in STEM, retired women, and families seeking long-term partnership and guidance. Clients value our expertise, warm service, and the community we build through every financial journey—no matter where you live.

Led by Kim N. Huber, CFP®, our team has served clients for over 30 years. We’re proud to offer the insight of both seasoned advisors and dedicated paraplanners, committed to delivering trusted service with every conversation.

Yes! We’ve been honored as “Best of Chico” Financial Planner by the Chico News & Review Readers Poll, highlighting our reputation for excellence in Northern California and beyond.

Our services include comprehensive financial planning, income tax planning, retirement income strategies, investment management, and estate planning & trust services. We support clients locally and virtually from our Chico office, delivering clear guidance wherever you call home.

Book a free introductory call with our team to discuss your financial needs, learn about our services, and see how we can help you reach your goals from Chico, CA or anywhere in the US.