Elias Young, CFP®
Helping Clients Navigate Their Finances
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Serving Clients Nationwide
Helping Clients Navigate Their Finances
Areas of Focus
- Biblical Finance
- Business Owners
- Cash Flow
- Equity Compensation Options
- Financial Planning
- Investment Management
- Retirement Planning
- Roth Conversion Strategies
- Setting Up Retirement Accounts
- Social Security Optimization
- Tax-Efficient Planning
About Elias Young, CFP®
Hi, I'm Elias Young. I'm an independent, fee-only financial planner, which means I don't earn commissions or get paid to push certain products. As a fiduciary, I'm legally required to put your interests first, and that's really the whole point of how I work: giving you advice that's objective and actually about your full financial picture, not just one piece of it.I work with people at every stage of their financial life, whether you're still in your working years or getting close to retirement and want to make sure everything lines up the way it should. Every situation is a little different, so the plan should be too, built around where you actually are rather than a template.
Somewhere along the way, I discovered that California public employees are often underserved when it comes to financial advice (I wrote an article on this), and that pulled me toward a particular focus on CalPERS members and state workers. Part of it is the planning itself, like pension timing, Social Security coordination, and public-sector benefits, which come with their own set of rules that generic advice doesn’t perfectly fit. But part of it is personal. I've had family and clients spend portions of their careers with the state, and before I landed on financial planning, working for the state was my own plan too. It's a world I've watched up close, and helping the people in it is some of the work I care most about.
I got my degree in Financial Planning from Sacramento State, and since then I've picked up a handful of credentials along the way, including the CERTIFIED FINANCIAL PLANNER® marks, also known as the CFP® marks, which is the one most people in the industry point to as the standard to aim for. At my prior firm, I also sat on the Investment Committee, where I helped shape how we built and recommended portfolios.
These days I also do contracted outsourced planning work for other advisors through Foundation Financial Planning. It's given me a behind-the-scenes look at how dozens of other firms operate, and I've taken the best of what I've seen and woven it into how I work with my own clients.
Outside of work, I live in Rocklin with my wife and our young (and growing) family. When I'm not working, you'll usually find me outside, at the grill, or fixing something around the house.
I also write pretty regularly about financial planning, the markets, and topics specific to CA state workers and CalPERS. You can check that out here: https://www.forfiduciary.com/blog-elias-young
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
-
CFP Board
- Financial Planning Association
- National Association of Personal Financial Advisors
- XY Planning Network
- Financial Planning Association
Primary Location
2340 Stanford Ranch Rd, Rocklin, CA 95677, USA
Meeting Options
- Video Conference
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Hourly Rate
- One-time Financial Plan
- Percentage of Assets Managed
- Subscription
Offers Investment Management
Yes
About Fiduciary Financial Advisors
Fiduciary Financial Advisors (FFA) is an independent, fee-only registered investment adviser. That structure matters: as a fiduciary I am held to a legal and ethical standard to act in your best interest, and because the firm is fee-only, I am compensated through client advisory fees rather than commissions or product sales. FFA caps its advisory fee at 0.95% of assets under management regardless of account size, and it often runs lower depending on portfolio size and the scope of the work.What makes FFA different from a typical firm is how it is built. Rather than a single central office, FFA operates as a cooperative of advisors, each running an autonomous practice with the compliance, technology, and research infrastructure of an established firm behind them. That model is what lets me practice the way I do: as a Greater Sacramento Area advisor whose planning work focuses heavily on California public employees and CalPERS members, while drawing on the resources of a firm named to the Inc. 5000 list of fastest-growing companies four years running.
In practice, that means planning built around your specific CalPERS decisions and the rest of your financial life, from an advisor who works in this area regularly, backed by a national fiduciary firm.
Education
Sacramento State College of Business, Bachelor of Business Administration - BBA, Finance, Financial Planning | Sacramento City College, Business Administration and Management, General
Hobbies and Interests
- Baseball
- Church
- Exercising
- Family
- Golf
- Grilling
SEC Lookup
View DisclosureWho We Serve
- Christians
- Government Employees
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