About My Practice
Orchestrating Your Plan.Different problems require different solutions. And depending on the
type of assistance you need and the plan required to solve it, I can
orchestrate the other professionals on your team to make sure that it’s
properly implemented. With your consent, for example, I may contact your
insurance agent, accountant or lawyer to make sure they thoroughly
understand your current goals and work directly with them to structure
the best possible solution. Once a plan is developed, it’s time to put
it into action. You can implement the plan yourself or I can help you
select investments and structure your portfolio to meet the objectives
we’ve established. If you so choose, I can even manage your entire
portfolio while providing on-going advice, periodic reviews and detailed
statements that track performance against preset goals. This affords
you with greater assurance of meeting your plan’s objectives and more
time to pursue other interests.
Financial Planning Services
• Retirement Planning
• Investment Advice
• Cash Management Planning
• Insurance Analysis
• Estate Planning
• Educational Planning
• Portfolio Management
Additional Areas of Expertise
I have a special emphasis in my practice on the middle class, and in
particular those people who have state, city or teachers pensions
(including PERS, STRS, OCERS and LACERA). My services include assistance
on these pensions as well as how Social Security works with these
plans, and the related retirement savings plans, such as 403bs,
tax-sheltered annuities (TSAs), 457 plans, and their related catch-up
provisions. I am proud to be included on the 403bwise.com directory of
financial professionals who have met their requirements.
Delia Fernandez is a personal financial planner and president and founder of Fernandez Financial Advisory, LLC, a registered investment advisory firm registered with the State of California.
She has more than 20 years experience in the financial services industry,
including 12 years as consumer ombudsman, national spokesperson and
director of public affairs with TRW's credit reporting division, six
years on the Board of Directors of TRW Systems Federal Credit Union and
two years as Director of Corporate Communications and Investor Relations
She is a CERTIFIED FINANCIAL PLANNER™ and member
of the National Association of Personal Financial Advisors (NAPFA), the
association for fee-only planners, as well as the Financial Planning
Association (FPA). She holds an MBA from California State University,
Long Beach, a B.A. in British and American Literature from Scripps
College, and a Certificate in Personal Financial Planning from the
University of California, Irvine. She is also a member of the Advisory
Board for UCI's Personal Financial Planning Certificate Program, and
teaches the Survey of Financial Planning course for the Certificate
Most importantly, Delia is a person you can trust. Not
only as a qualified financial planner, but a professional who is truly
interested in helping you achieve the highest possible level of personal
and financial security.
Registrations, Licenses, Certifications & Affiliations
Designations & Certifications
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
Considerations: Member of the National Association of Personal Advisors, or NAPFA, the fee-only planniing association.
I will provide a free initial consultation to prospective clients so we may determine if their needs and my practice are well-matched.
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