Nannette Kamien, CFP®, CDFA®

Real Life. Real Money. Real Financial Plans.

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Cultivating Wealth Nannette Kamien, CFP®, CDFA®
Carlsbad, California

Serving Clients Nationwide

Real Life. Real Money. Real Financial Plans.

Areas of Focus

  • Divorce Financial Planning
  • Education Funding
  • Employee Benefits
  • Financial Life Planning
  • Investment Management

About Me

Hi, I'm Nannette Kamien, a financial planner at Cultivating Wealth.

Before joining Cultivating Wealth, I founded Inspiration Financial Planning, a fee-only firm based in Encinitas, CA. I received my Certificate in Financial Planning from Boston University in 2015 and my Certified Financial Planner designation in 2018.

In addition to financial planning, I enjoy working with families educating them about making smart financial choices paying for college. I wrote a book called Crazy College Money and present workshops with the University of California, San Diego Extension program.

Prior to changing careers into financial planning, I spent 15 years in Business Intelligence and Information Technology roles. I earned my MBA in 2010 from the Kellogg School of Management at Northwestern University.

I enjoy playing golf and enjoying the beach with my kids in sunny Southern California.

Professional Designations

  • Certified Divorce Financial Analyst (CDFA)


  • Fee Only Network
  • National Association of Personal Financial Advisors


1700, Aviara Parkway, Carlsbad, California, 92013

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Only
  • Flat Fee
  • Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule your free 15-minute introductory call. We'll listen and learn more about you and your individual circumstances and financial planning needs. And we can answer your questions to help you decide if we're a good fit to work together.

Offers Investment Management


About our Firm

Cultivating Wealth resides at the intersection of life and finances, offering fee-only financial planning services for people who want to take power over their wealth. Our highly-trained advisors help clients make smart financial decisions over a lifetime.

Our Simple Process for Cultivating Wealth:

✅ REAL LIFE. Real Life is where we begin. Setting financial goals is a balance between today’s decisions and tomorrow’s desires. Get the most out of today’s lifestyle without sacrificing your future.

✅ REAL MONEY. Real Money is where we adjust. Whether it’s a new home, job, or major move, we can connect these real money decisions to your overall financial strategy and help you decide the right next moves.

✅ REAL PLAN. Real Plan is what you get. We are fee-only planners and our plans are intended to give you the information you need to take power over your wealth.

Cultivating Wealth is a fee-only Registered Investment Adviser. Our roots are in New York City, but we are now coast to coast and serve clients virtually nationwide.

We are proud of our independence and dedication to the highest standards in our industry. Our fiduciary standard means that we are required to put our client’s interests first. Fee-only means fewer conflicts of interest because we cannot receive commissions.


Northwestern University - Kellogg School of Management, MBA, Accounting, Operations Management | DePauw University, BA, Spanish, Management Fellows Program


Hobbies and Interests

  • Beach
  • Family
  • Golf

Who We Serve

  • Baby Boomers
  • Blended Family
  • Corporate Executives
  • Couples
  • Divorce
  • Dual Income Family
  • Gen X
  • Gen Y / Millennials
  • Intergenerational Families
  • Living in Retirement
  • Newly Engaged / Newlywed
  • Parents
  • Single Women
  • Widow
  • Women in Transition
  • Women Professionals
  • Women’s Finance
  • Young Families