Guillaume Decalf
Hourly and ongoing financial planning and investment management
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We Financial
Guillaume Decalf
San Francisco, CA
Serving Clients Nationwide
Hourly and ongoing financial planning and investment management
5 out of 5 Stars
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Areas of Focus
- Equity Compensation Options
- Estate Planning
- Financial Life Planning
- International and Cross-border Planning
- Investment Management
- Retirement Planning
- Socially Responsible Investing
- Tax-Efficient Planning
- Taxes
About Guillaume Decalf
I am the Founder and CEO of We Financial Group, an independent, fee-only wealth management organization built on a simple belief: clients receive better advice when it’s delivered by specialists.Financial planning has become increasingly complex. Retirement planning, taxes, investments, equity compensation, estate planning, business ownership, and international financial issues all require different expertise. Rather than building a firm that tries to be everything to everyone, I founded We Financial Group as a collection of specialized advisory brands, each focused on serving a distinct client community while sharing the same fiduciary standard, planning philosophy, and commitment to exceptional client service.
Today, We Financial Group includes:
Oui Financial, specializing in comprehensive financial planning for French and French-American individuals and families living in the United States.
We Financial Core, providing comprehensive wealth management for individuals, families, professionals, and business owners.
We Financial Focus, delivering targeted planning and advice for clients facing important financial decisions and life transitions.
We Financial Impact, helping investors incorporate environmental, social, and governance (ESG) and impact investing principles into their long-term financial plans.
We Financial for Therapists, offering financial planning specifically designed for therapists, psychologists, and other mental health professionals.
Before entering the financial industry, I spent more than a decade improving business operations and decision-making. After earning my MBA in France, I worked as a management consultant before moving to San Francisco in 2010, where I joined companies including Amazon and Fitbit.
My own experience adapting to the U.S. financial system changed the direction of my career. Navigating retirement accounts, taxes, healthcare, education planning, investing, and estate planning made me realize how overwhelming financial decisions can be, especially when they span different countries and financial systems. As I helped friends and colleagues navigate similar challenges, I discovered a passion for helping others make informed financial decisions and ultimately founded the first advisory practice within what would become We Financial Group.
Today, I continue to work directly with clients, particularly those with complex planning needs, while leading the continued growth of We Financial Group and expanding its specialized advisory brands.
I am a Series 65 Investment Adviser Representative, a GFP Fellow specializing in cross-border financial planning, and hold the RIADAC Certificate in Blockchain and Digital Assets.
Outside of work, I enjoy spending time with my family and competing in endurance running events. Endurance sports have reinforced many of the same principles I apply to financial planning: discipline, preparation, patience, and a long-term perspective.
Professional Designations
- Certificate in Blockchain and Digital Assets
- GFP Fellow
Affiliations
- Global Financial Planning Institute
Primary Location
San Francisco, CA 94108
Meeting Options
- Video Conference
- In-Person
- Phone
- Webinars
Compensation Methods
- Fee Only
- Flat Fee
- Hourly Rate
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above and complete the short survey to qualify for a complementary financial strategy session. We'll sit down to discuss your situation, your goals, and any concerns you have about your finances in the U.S. and France, and I'll answer your questions so we can determine the best way to move forward. I look forward to speaking with you.Offers Investment Management
Yes
About We Financial
We Financial Group is an independent, SEC-registered, fee-only wealth management organization dedicated to helping clients make confident financial decisions throughout every stage of life.Unlike traditional advisory firms that operate under a single brand, We Financial Group brings together specialized advisory practices that serve different client communities while sharing the same planning philosophy and fiduciary commitment.
Whether a client is planning for retirement, managing equity compensation, growing a business, preparing for college expenses, coordinating estate planning, navigating cross-border financial issues, or aligning investments with personal values, our goal is to provide specialized expertise within a coordinated long-term financial plan.
Across every brand, our mission remains the same: simplify financial complexity, provide objective advice, and help clients build lasting financial confidence.
As fiduciaries, we never sell financial products or receive commissions. Every recommendation is made solely in our clients’ best interests.
Who We Serve
We work with professionals, entrepreneurs, families, and investors who want to make smarter financial decisions without the complexity. Whether you're building wealth, planning for retirement, managing stock compensation, saving for your children's education, or preparing your estate, we provide clear, personalized guidance tailored to your goals.
Our Services
Depending on your needs, our advisors provide guidance in areas including:
Comprehensive financial planning
Investment management
Retirement planning
Tax-efficient investing
Equity compensation planning (RSUs, stock options, and ESPPs)
Estate planning coordination
Education planning
Cash flow and budgeting
Business owner planning
Cross-border financial planning
Sustainable and impact investing
Our Philosophy
Financial planning is about far more than investment performance.
Every important financial decision is connected. Investments affect taxes. Taxes influence retirement. Estate planning impacts future generations. Business decisions shape personal wealth.
Our role is to help clients see the bigger picture, understand their options, and make informed decisions with confidence.
By combining specialized expertise with a collaborative planning approach, we help clients build financial strategies that are coordinated, objective, and designed to evolve throughout every stage of life.
Education
ESCEM International Business School, Master of Business Administration (M.B.A.), Business | Université du Littoral Côte d'Opale, Two-year degree, Law
Languages
- English
- French
Hobbies and Interests
- Family
- Running
SEC Lookup
View DisclosureWho We Serve
- Americans Living Abroad
- Attorneys
- BIPOC
- Blended Family
- Business Owners
- Corporate Executives
- Couples
- Creative Professionals
- Crypto Investors
- Data Scientists
- Dentists
- Disabled Community
- Divorce
- Dual Income Family
- Engineers
- Entrepreneurs
- Expats
- Families
- Federal Law Enforcement
- Financial Independence Retire Early (FIRE)
- Foreign-Born Individuals
- Gen X
- Gen Y / Millennials
- Gen Z
- Government Employees
- Healthcare Professionals
- High Net Worth
- Immigrants
- Individuals
- Intergenerational Families
- Investors
- LGBTQ
- Military
- Newly Engaged / Newlywed
- Non-Traditional Clients
- Technology Professionals
Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
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Fiduciary and cross-border (France/USA) Financial Advisor
✅ Wealthtender Certified Advisor Review™
Sep 23, 2026
Invaluable cross-border expertise and peace of mind Working with Guillaume has been an absolute game-changer for our family. Navigating two different financial and tax systems can feel overwhelming, but Guillaume’s deep knowledge and structured approach immediately put us at ease. He is an exceptional listener who takes the time to truly understand your long-term goals rather than offering a one-size-fits-all solution. Thanks to his guidance, we have a clear, cohesive strategy for our investments, retirement, and cross-border planning. Guillaume is professional, transparent, and a true fiduciary in every sense. I highly recommend him to anyone looking for a trusted financial partner.
Relationship to Financial Advisor: Client as of Sep 23, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Amazing financial advisor
✅ Wealthtender Certified Advisor Review™
Sep 22, 2026
Guillaume has served as an outstanding advisor for many years. He consistently responds quickly by email. His understanding of tech companies benefits allows him to adapt guidance to your particular needs. I have relied on his judgment and advice for many years without hesitation. I’ve recommended several friends to his firm and they have been as satisfied.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Excellent!
✅ Wealthtender Certified Advisor Review™
Sep 21, 2026
My wife and I have worked with Guillaume for a one-time consultation. He was very professional, made himself available even beyond the call that we had paid for. He has this very deep knowledge of our specific situation as French-American. Thank you for your professionalism Guillaume.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Review for Guillaume
✅ Wealthtender Certified Advisor Review™
Sep 19, 2026
We only have great things to say about Guillaume and his work ethics/professionalism. With his robust financial knowledge and experience, our portfolio is in very good hands. We do not have to worry about markets fluctuations. Guillaume is also an excellent listener with a very transparent communication style. He always finds solutions to adapt to any situation and understands his clients’ mindset and goals.
Relationship to Financial Advisor: Client as of Sep 19, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
very knowledgeable and human oriented person
✅ Wealthtender Certified Advisor Review™
Sep 18, 2026
Working alongside with Guillaume has been a wonderfull experience. So professionnal and though human kindness. Thank you for those 9 years of advisings.
Relationship to Financial Advisor: Client as of Sep 18, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
The Best Financial Adviser in the US!
✅ Wealthtender Certified Advisor Review™
Sep 18, 2026
I have been working with Guillaume and Oui Financial for over two years now. Thanks to them, I went from a reasonable financial saver to an informed investor, with a knowledge of all the best practices, and a clear long term plan to meet my goals. Having someone who knows the rules for both the US and France is a huge bonus as well. Finally, my portfolio performance is great! I really recommend Oui Financial to anyone who needs a trusted financial planning partner.
Relationship to Financial Advisor: Client as of Sep 18, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Retirement planning
✅ Wealthtender Certified Advisor Review™
Sep 17, 2026
I had a lot of questions about retirement planning and financial assets access wether I would choose to move back to France vs to stay in the US. Oui financial and Guillaume Decalf in particular provided me with answers and their expertise helped me grow my portfolio as well as gave me a solid understanding of what to expect once retired in a few months. Guillaume is very knowledgeable and easy to talk to.
Relationship to Financial Advisor: Client as of Sep 17, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Estate Planning
✅ Wealthtender Certified Advisor Review™
Sep 17, 2026
I really enjoyed the white glove experience from initial explanation from Guillaume until completion of the process and getting documents notarized.
Relationship to Financial Advisor: Client as of Sep 17, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Oui Financial: The perfect answer to my needs
✅ Wealthtender Certified Advisor Review™
Sep 17, 2026
I first learned from Guillaume through Oui Financial's targeted, informative webinars and more recently through his podcasts and - most valuably - during our regular consultations. It's reassuring how well Guillaume understands and anticipates my exact needs. I trust his fiduciary management of my portfolio, and thanks to his advice I've been able to anticipate and sidestep obscure pitfalls, and I now feel confident in my planning decisions.
Relationship to Financial Advisor: Client as of Sep 17, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Amazing
✅ Wealthtender Certified Advisor Review™
Sep 17, 2026
Guillaume is always attentive, available, and gives excellent advice. A true professional and very kind.
Relationship to Financial Advisor: Client as of Sep 17, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Very knowledgeable, responsive and kind professional, a gem
✅ Wealthtender Certified Advisor Review™
Sep 17, 2026
Hi, Currently in life transition, I have used the services of Oui Financial and worked with Guillaume Decalf regarding planning a future expatriation or future extended stays in France, finding the best way to transfer money from the US to France or advices about the financing of a property in France. In each occasion, Guillaume went beyond expectations in opening my horizons on financial possibilities or red flags, kindly guiding me and educating me so I could make my own informed decision. I would and I'm recommending Oui Financial and Guillaume without reserve to French/Americans that have or are thinking of a cross-countries financial life. Guillaume is not only a very competent professional, he is very patient and a very kind person.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
A real gem
✅ Wealthtender Certified Advisor Review™
Sep 17, 2026
Guillaume is a terrific advisor, exactly what you hope for but rarely find. He was deeply familiar with issues for expats and cross-border financial questions, professional, and punctual. Most importantly he was straightforward about fees, never pushy, and clearly cares about building long-term relationships.
Relationship to Financial Advisor: Not known
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
A Plan. A Timeline. Confidence and Relief.
✅ Wealthtender Certified Advisor Review™
Sep 16, 2026
When a certain political event occurred, it triggered our desire to liquidate everything and buy property overseas. We decided to seek professional guidance first. We were very pleased when we found Oui Financial, a Franco-American specialized firm. The initial consultation went better than expected. We felt able to talk honestly and frankly about our finances. The proposal was quickly accepted, and the data collection was easy. Oui gave us the news straight away: We can retire at this age. We can afford to buy property, or rent and live the life of nomads for a while. The kids might even get a boost at the end. What a relief. Seriously, a weight lifted off our shoulders. We told our friends. We've recommended Oui Financial to others who asked how we managed to be so confident. But for us, the sense of relief and confidence stays with us to this day. Give Oui Financial a try. You will not be disappointed.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
super helpful and knowledgeable guidance!
✅ Wealthtender Certified Advisor Review™
Sep 16, 2026
We are very grateful for Guillaume's work with us. He understood our financial situation quickly and thoroughly, and gave us clear, specific steps to take. We felt genuinely well taken care of and would recommend him to anyone looking for a financial advisor who takes the time to actually understand your circumstances and is super knowledgable about the complex nature of investments and retirements for everyone, especially people dealing with changing realities across multiple countries.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Exceptional, Highly Personalized Wealth Management
✅ Wealthtender Certified Advisor Review™
Sep 16, 2026
Guillaume brings an exceptional individualized approach to wealth management. He takes the time to understand not only financial objectives, but also the needs and priorities of the family and the couple. His high emotional intelligence allows him to discern where there is natural alignment and where different options need to be thoughtfully presented and discussed. He is remarkably responsive and has built a small, highly selected and carefully curated team that provides attentive, high-quality support. A truly personal and thoughtful approach to wealth management.
Relationship to Financial Advisor: Client as of Sep 16, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Strongly recommend
✅ Wealthtender Certified Advisor Review™
Sep 16, 2026
We've been with WE financial (prev. OUI financials) since 2021 when we decided that we would return to France at some point. We chose WE financials because Guillaume's explanations were crystal clear, because they had no particular product to sell (a concern that some of their competitors were raising), and we could see that through their recommendations, they had our best interest in mind. Since then, not only were we satisfied as our portfolio performed exactly as intended as compared to the main indicators, but also because Guillaume put us in touch with reliable and high performing other professionals (attorneys, CPA's, lawyers) enabling us to have the perfect team around us to deal with the complexity of being French American dual citizens now French residents. One thing that I particularly appreciate is Guillaume's availability and responsiveness. Over the years I have seen WE financials grow in terms of staff and offering. All this makes me confident I've made a good choice and established a robust relationship to build my family's financial security.
Relationship to Financial Advisor: Client as of Sep 16, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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Get answers to frequently asked questions regarding the services offered by Guillaume Decalf
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FAQs
Who does We Financial help?
We specialize in helping French and French-American families and individuals living in the United States navigate cross-border financial planning, including investments, taxes, and retirement decisions that span both the U.S. and France, whether you're newly arrived, settled long-term, or planning a move back to France.
Are you a fiduciary, and how does We Financial get paid?
As a registered investment adviser, we have a fiduciary responsibility to act in your best interest. We are fee-only, meaning we don't sell financial products or receive commissions. Depending on the services you choose, we're compensated through an hourly rate, a flat fee, and/or a percentage of the assets we manage for you.
Can you help me decide what to do with my stock options or RSUs?
Yes, we regularly help clients evaluate employee stock options and RSUs, weighing whether to sell or hold and how that decision fits into your broader cross-border financial plan, tax situation, and long-term goals in the U.S. and France.
