I've worked with Jeff over the past year on both my IRA and individual portfolio. He recently…read morehelped me transfer some IRA funds to an insurance company in order to receive increased monthly annuity payments. That took awhile from the consultation and planning period to actual implementation. Jeff did research for me to figure out if this was a good move for my needs. After all the back and forth communication with the insurance company and endless paperwork to fill out, I can say that I'm a happy camper and I received my first annuity check from the company yesterday. We did it Jeff! He is a very patient and personable financial advisor and I cannot recommend anyone better than Jeff. He listens and hears what your specific needs are and goes to work from there. With the aid of computer data analysis and his personal research, he came up with a plan to fit my needs in retirement. I live in San Francisco and he made a special effort to meet at my house along with a Zoom meeting. I'm not tech savvy but he showed me how to prepare and sign documents online. He made things so simple and easy to understand. I can rest easy knowing that Jeff and Terra Blue have my back with financial affairs. For those of you who may question the need for a personal financial advisor I have to say that's it's worth every penny to give Jeff a call.

I know Jeff from Toastmasters, and have heard him speak knowledgeably about personal finance…read more Wanting advice about my own personal finances, I took advantage of the free first session he offers for consultation. He was able to be flexible regarding scheduling a meeting, too, which I appreciated. One thing that sets Jeff apart is how he takes into account the emotions/feelings we have about money into his advice. I really appreciated his help, as we went over my expenses and figured out what I could afford for rent. I appreciated your sound advice, Jeff. Thanks again!

Main Street Research has been our investment advisors since 1999. They have done a wonderful job…read moremanaging our investments, through thick and thin! They truly get to know each client and tailor their strategy for solid growth over time. I can't say enough good things about James Demmert and his team of experts.

I am not a fan. I gave MSR a bunch of money in December 2021, when I saw troubled waters ahead. I…read morefigured (wrongly as it turned out) that professionals were needed to navigate the market pressures of inflation and Putin's ominous presence on the Ukrainian border. All MSR did was lose a lot of my money. MSR lost no time buying AAPL at 173.98 on 12-27-2021. More mistakes followed, including AMZN at $3,412 on 12-30-21 and MSFT at 341.96 on 12-29-21. I was surprised and worried but didn't complain; they were the experts, I (wrongly) reasoned. Buying continued as the market dropped: COST at $564 on 12-30-21 and more COST at $520 on Jan 11 '22 -- down $44 in 10 days! Rather than sense the fear in the market, they piled in with more of my money! More MSFT at $318 on 1-5-22...more AAPL at $163 on 1-21-22. (NOTE: I am not cherry-picking examples --these are random samples of a large purchase spree.) On Jan 26, 2022, I wrote an email questioning a partial sale of SHOP at $898 (purchased at $1,033 on 1-20-22). Portfolio Manager Jacob responded saying they were "... likely to move soon on buying again since we see the market as highly oversold, providing us with good value opportunities in the market." I replied "... I am less enthusiastic than you that the market is oversold." That is when I should have closed my account. But, they were the experts. Throughout this time, communication from MSR was lacking. Oh sure, they always said, "Let us know if you have any questions." But there was little communication of their take on the latest market threats or their investment committee's leanings. High-buying and low-selling continued. When I complained on Apr 25, 2022 that this fiduciary arrangement was not working for me, James responded that "...we never suggested that we are clairvoyant about predicting short term market movements." and that I had "...checked the box that you could withstand market swings of up to 20%". James was correct. MSR was not down as much as the S&P 500 and I had checked the 20% loss box. Were these the assurances I needed to hear from my professional investment firm? There was no mention of MSR strategy being wrong and there was no apology for losing lots and lots of my money. I heard arrogance and I have no need for an arrogant money manager. Yes, he wasn't down as much as the S&P 500 but I didn't hire a bunch of blind monkeys (referring to the S&P 500) to grow my wealth. I hired MSR. I closed my account at the end of May, 13% lower than when I started. 30%+ of the account was still in cash and cash equivalents, so MSR's professional, fiduciary investment decisions on the other 60%+ resulted in a LOSS north of 18%. I find that incredible (not in a good way). I am not a fan and I do not recommend Main Street Research.

Exceptional! I…read morereached out to Kenny about multiple insurance products - long term care, term life, whole life. Let me step back and say this first - My family has a long history of buying all sorts of insurance over the last 30 years. In that time, we have met many people in the insurance industry across various roles. With that context in mind let me say this. Kenny is amongst the most thorough, knowledgeable, and helpful people I have ever met. He is not trying to just "sell you something." Instead he works hard to understand why it is that you think you need the insurance you have asked him about, he uses his intellect and creativity to suggest other options if they are appropriate (his feedback many times proved better than my own initial assumptions and work), and wants above all to help you. He is responsive, razor sharp, and high integrity. I started this review with the word "exceptional" - well, there is "exceptional" and then there is "truly exceptional" and then there is "rarely seen level of exceptionalism" - and for me, Kenny is just that.

Was overwhelmed with trying to figure out my financial future, and Kenny took the reins. He was…read morepatient, comprehensive, and extremely helpful in providing lots of options. Definitely a trusted provider that I can't recommend enough.

I am a tax professional and share clients with Charlie Haynor. He is a great planner and relies on…read moreanalysis to guide his recommendations. All of our mutual clients think he is terrific. I have and will continue to recommend him in the future.