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Financial Planner Catherine Hawley, CFP® in Monterey CA

Catherine Hawley, CFP®

Monterey, California

(831) 601-9091



For clients in their 20s and 30s. Specialties include: budgeting, student loans, insurance, home buying, stock options. Primary office in Monterey CA, and satellite location in downtown San Francisco.

Contact Details

Logo  Company Logo by Catherine Hawley, CFP® in Monterey CA
Website
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Main Phone (831) 601-9091
Main Location
787 Munras Ave
Monterey, CA 93940
United States
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About

I founded my personal financial planning practice to serve people seeking help with their financial questions. I saw a need for affordable, objective and customized advice that is frequently sought but often difficult to find. To make my services accessible, I charge an hourly or project fee. Regardless of income level or net worth, I seek to assist individuals and families to continually improve their finances. My aim is to help clients gain clarity and confidence so they can pursue their definition of financial success.

 

I offer advice on the following subjects:

 

- Goal setting and life planning

- Budgeting and cash flow

- Student Loans

- Investments

- Retirement

- Employee benefits

- Home ownership and real estate

- Insurance

- Estate planning

- Paying for college

 

Advice is tailored to your needs. I usually develop ongoing relationships with my clients but also answer one-time questions, give second opinions or perform a financial checkup.

 

I'm based in Monterey, California but I work with out of area clients remotely. We meet via videoconference, which is not only convenient but also preferred by many clients.

 

I'm an independent business owner and CERTIFIED FINANCIAL PLANNER™ professional. Previously, I was a consultant and contributing writer for SaveUp, a free rewards program that encourages healthy financial decisions. I worked at Rhodes & Fletcher, LLC as a Personal Benefits Specialist and at the firms of Bernstein Global Wealth Management and Barclay's Global Investors. As a Financial Planning Association member, I served as the liaison to the City of San Francisco's Smart Money Network. Currently, I'm committing volunteer efforts to Chartwell School for dyslexic children as a member of its board of trustees.

 

I have a bachelors degree in communication studies from UCLA where I was a scholarship athlete and captain of the women's tennis team. After graduating, I coached tennis in Hong Kong and Northern Ireland. I still play tennis recreationally.

 

Visit my website to learn more about my approach to financial planning. If you would like to better understand and strengthen your finances please contact me to schedule a personal financial assessment.

What Is What: Fiduciaries, Fees and Financial Advisors by Catherine Hawley, CFP® in Monterey CA

What Is What: Fiduciaries, Fees and Financial Advisors

I have to admit that sometimes I’m embarrassed by my profession. Despite the prevalence of financial advisors (it seems like there’s one on every..

By: Catherine Hawley, CFP®

Tags: Fiduciaries, Financial Advisors, Financial Planning

Posted: 06/16/2017

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The True Cost of Undersaving by Catherine Hawley, CFP® in Monterey CA

The True Cost of Undersaving

A little while back I read an article citing research from the Federal Reserve that found that most people wouldn't be able to cover an unexpected $400 expense..

By: Catherine Hawley, CFP®

Tags: Save, Invest, Undersaving, Freedom

Posted: 05/31/2017

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How to Choose the Right 529 Plan by Catherine Hawley, CFP® in Monterey CA

How to Choose the Right 529 Plan

529 plans are one of the most popular ways to save for college, and for good reason. They offer tax-free growth and tax-free withdrawals for higher education expenses,..

By: Catherine Hawley, CFP®

Tags: 529 Plan, College Fund

Posted: 05/04/2017

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What's a Good Bank Worth to You? by Catherine Hawley, CFP® in Monterey CA

What's a Good Bank Worth to You?

Your bank is the hub of your financial life. It’s where your paycheck is deposited. It’s where bills are paid. It’s where savings are directed..

By: Catherine Hawley, CFP®

Tags: Bank, Banking, Fees, Bank Fees, Banking Fees, Online Banking, Online Banks, Interest, Interest Rates, Banking Apps

Posted: 04/21/2017

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5 Things Not to Worry About with Investing by Catherine Hawley, CFP® in Monterey CA

5 Things Not to Worry About with Investing

I don’t know if there are any studies on this, but my guess is that investing causes more stress than all other financial topics combined.   Between..

By: Catherine Hawley, CFP®

Tags: Investing, Investment Worries, Investments, Worrying About Investments

Posted: 04/21/2017

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Two Big Reasons to Watch Your Investment Fees Like a Hawk by Catherine Hawley, CFP® in Monterey CA

Two Big Reasons to Watch Your Investment Fees Like a Hawk

John Bogle, the founder of Vanguard, once said: "In investing, you get what you don't pay for." That may sound strange, but it’s true. In fact, minimizing..

By: Catherine Hawley, CFP®

Tags: Investments, Investment Accounts, Retirement Accounts, Retirement Investments, Fee-only Adivsor, Investment Fees

Posted: 04/21/2017

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Don’t Wait Till Year’s End to Fix Up Your Finances by Catherine Hawley, CFP® in Monterey CA

Don’t Wait Till Year’s End to Fix Up Your Finances

Can you believe we’re well over halfway through 2015? It’s amazing me how quickly things move. In just a few months, you’ll start to see a lot..

By: Catherine Hawley, CFP®

Tags: For Consumers, Nerdwallet, Homeowners Insurance, Hsa, Roth Ira

Posted: 04/21/2017

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Getting the Right Life Insurance at the Right Price by Catherine Hawley, CFP® in Monterey CA

Getting the Right Life Insurance at the Right Price

While it may not be the most enjoyable thing to think about, getting life insurance is one of the best ways to ensure that your family will always have the financial..

By: Catherine Hawley, CFP®

Tags: Insurance, Term Insurance

Posted: 04/17/2017

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When It Makes Sense to Buck the Traditional Financial Advice by Catherine Hawley, CFP® in Monterey CA

When It Makes Sense to Buck the Traditional Financial Advice

Let’s say that you’re 30 and you inherit $500,000. What should you do with the money?   Traditional financial planning advice might look something..

By: Catherine Hawley, CFP®

Tags: Personal Finance, Financial Planning, Financial Advice, Traditional Financial Advice, Buck Traditon, Financial Regrets, Regret, No Regrets

Posted: 10/12/2016

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Top 5 Financial Mistakes Beginners Make by Catherine Hawley, CFP® in Monterey CA

Top 5 Financial Mistakes Beginners Make

There’s a lot of financial advice out there. Enough that your head starts to spin when you try to take it all in, understand it, and figure out which pieces..

By: Catherine Hawley, CFP®

Tags: Financial Planning, Financial Mistakes, Financial Planning Mistakes, Top 5 Mistakes, Top 5 Financial Mistakes, Financial Beginners, Financial Planning Beginners

Posted: 09/21/2016

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A Different Take on Retirement Planning by Catherine Hawley, CFP® in Monterey CA

A Different Take on Retirement Planning

I think it's safe to say that we all have the goal of one day reaching financial independence. That is, the point at which we have enough money in savings and investments..

By: Catherine Hawley, CFP®

Tags: Saving, Spending, Retirement Saving, Retirement Spending, Retirement, Retirement Planning

Posted: 09/07/2016

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The Secret Way to Make Huge Financial Gains by Catherine Hawley, CFP® in Monterey CA

The Secret Way to Make Huge Financial Gains

Most personal finance advice misses a crucial point.   Lost amongst all the calls to cut coupons and skip your morning coffee is the fact that cutting costs..

By: Catherine Hawley, CFP®

Tags: Invest In Yourself, Financial Gains, Pay Raise, Salary Increase, Side Job, Side Hustle

Posted: 08/10/2016

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Am I Ready to Predict the Next Stock Market Crash? by Catherine Hawley, CFP® in Monterey CA

Am I Ready to Predict the Next Stock Market Crash?

Since 2009, the stock market has pretty much gone straight up.   From a low of 676 on March 9, 2009, the S&P 500 stands at 2,090 as of June 21, 2016...

By: Catherine Hawley, CFP®

Tags: Market, Stock Market, Crash, Investing, Investments

Posted: 07/27/2016

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4 Steps to Merging Finances with Your Partner by Catherine Hawley, CFP® in Monterey CA

4 Steps to Merging Finances with Your Partner

I work with a lot of new couples who are in the midst of merging their financial lives for the very first time. In fact, my fiance and I are in the process of doing..

By: Catherine Hawley, CFP®

Tags: Marriage, Money, Finances, Merging Finances

Posted: 07/13/2016

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How to be Mindful About Costs When Planning a Wedding by Catherine Hawley, CFP® in Monterey CA

How to be Mindful About Costs When Planning a Wedding

I’m in the middle of wedding planning right now, and it has opened my eyes to just how incredibly expensive this whole thing can be! I’m a frugal person..

By: Catherine Hawley, CFP®

Tags: Weddings, Wedding Expenses, Wedding Costs, Planning A Wedding, Wedding Planning, Wedding Budget, Wedding Costs

Posted: 06/30/2016

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The Hypocritical Financial Planner by Catherine Hawley, CFP® in Monterey CA

The Hypocritical Financial Planner

As a financial planner, my job is to help people make smart financial decisions. That means planning ahead for big purchases, making rational spend vs. save decisions,..

By: Catherine Hawley, CFP®

Tags: Planning, Impulsive Spending, Financial Indulgence

Posted: 06/13/2016

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Money Lessons from a Non-Frugal Purchase by Catherine Hawley, CFP® in Monterey CA

Money Lessons from a Non-Frugal Purchase

I'm usually pretty frugal. I'll often do without something I want but don't need, or I'll find a cheaper alternative. It's just my nature. But just after the..

By: Catherine Hawley, CFP®

Tags: Frugal, Saving, Spending

Posted: 03/24/2016

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4 Reasons Why Renting Is Better than Buying by Catherine Hawley, CFP® in Monterey CA

4 Reasons Why Renting Is Better than Buying

Have you ever felt pressured to buy a house? Maybe from your friends, your family, your co-workers, or even yourself? Like you haven't actually made it as an adult..

By: Catherine Hawley, CFP®

Tags: Home Ownership, Renting

Posted: 02/29/2016

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The True Value of Money by Catherine Hawley, CFP® in Monterey CA

The True Value of Money

Why are you working so hard to make good financial decisions? Why are you tracking your spending, living by a budget, paying off debt, building an emergency..

By: Catherine Hawley, CFP®

Tags: Meaning, Financial Planning, Goals

Posted: 12/14/2015

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You Can't Invest Your Way out of Not Saving Enough by Catherine Hawley, CFP® in Monterey CA

You Can't Invest Your Way out of Not Saving Enough

If your primary focus when it comes to investing is how to find a better strategy with a better return, you're doing it wrong. The truth is that until you've built..

By: Catherine Hawley, CFP®

Posted: 11/24/2015

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Pay More to Save More on Your Student Loans by Catherine Hawley, CFP® in Monterey CA

Pay More to Save More on Your Student Loans

Already high, student loan debt creeps higher each year. In 2013, the average borrower who had taken out student loans graduated from college with $28,400..

By: Catherine Hawley, CFP®

Tags: For Consumers, Nerdwallet, Student Loans

Posted: 10/20/2015

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The Boring Secret to Getting Rich by Catherine Hawley, CFP® in Monterey CA

The Boring Secret to Getting Rich

The media likes to paint a certain picture of what it means to be rich — huge mansions, expensive cars, high-powered Wall Street or tech-startup-type jobs...

By: Catherine Hawley, CFP®

Tags: For Consumers, Nerdwallet

Posted: 09/16/2015

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4 Steps to Prep Your Finances for Your First Baby by Catherine Hawley, CFP® in Monterey CA

4 Steps to Prep Your Finances for Your First Baby

If you’re getting ready to welcome your first baby, you probably recognize that your financial situation is going to change. With diapers, wipes, baby..

By: Catherine Hawley, CFP®

Tags: For Consumers, Nerdwallet, Parenting.

Posted: 08/21/2015

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Additional Location 1:

71 Stevenson St

Suite 400

San Francisco, CA 94105

(831) 601-9091

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