Paul J Saad, MBA, CFP®

Bay Area Fee-Only Financial Advisor‍‍ for Mid-Late Career Professionals

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Collabria Capital, Inc Paul J Saad, MBA, CFP®
San Ramon, CA

Serving Clients Nationwide

Bay Area Fee-Only Financial Advisor‍‍ for Mid-Late Career Professionals

Areas of Focus

  • Employee Stock Options
  • Equity Compensation Options
  • Investment Management
  • Retirement Planning
  • Tax-Smart Distribution Planning

About Paul J Saad, MBA, CFP®

Hi, I'm Paul Saad. I'm a CERTIFIED FINANCIAL PLANNER™ and the Principal Co-founder of Collabria Capital, Inc., a San Ramon-based fee-only fiduciary financial planning firm serving the Bay Area and virtual clients nationwide.

With over 20 years of experience, I help mid- to late-career professionals make confident decisions about retirement, stock options, and tax strategies. Over the years, I’ve met too many hardworking professionals who’ve done all the “right” things financially but still feel unsure about their future. My goal is to bring clarity and confidence to that picture.

Originally from Montreal, I moved to the Bay Area in 1997 and quickly came to appreciate the unique blend of innovation, opportunity, and complexity that defines life here. Having raised three kids, I understand firsthand how financial priorities evolve — from career growth and family needs to preparing for a more flexible, fulfilling next chapter.

For me, financial planning has always been about more than numbers — it’s about creating the freedom to focus on what truly matters.

Outside of work, I can be found hiking, playing guitar, spending time with family, and volunteering for non-profit organizations.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®
  • Master of Business Administration (MBA)

Affiliations

  • CFP Board
  • Fee Only Network
  • Financial Planning Association
  • National Association of Personal Financial Advisors
  • XY Planning Network

Primary Location

2603 Camino Ramon, #200, San Ramon, CA 94583

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Only
  • Flat Fee
  • Offers Advice-Only Services
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free introductory conversation. The initial consultation is a no-obligation opportunity for us to get to know each other. We'll discuss your financial goals, challenges, and priorities, and I'll share how my services can help you. You'll walk away with a clearer understanding of what comprehensive financial planning looks like and whether we’re a good fit to work together. I look forward to speaking with you.

Offers Investment Management

Yes

About Collabria Capital, Inc

At Collabria Capital, we believe financial planning should be more than just numbers—it should bring clarity, confidence, and peace of mind for you and your family. A few things set us apart:

Specialization in Bay Area professionals
We deeply understand the unique challenges mid-to late-career tech employees face—stock options, RSUs, ESPPs, deferred compensation, and concentrated equity positions. That focus allows us to provide highly tailored strategies around tax efficiency, diversification, and retirement readiness.

Holistic, family-focused planning
Our work extends beyond investments. We look at the full picture—retirement, taxes, estate planning, education funding, insurance, and multi-generational planning—to make sure your wealth serves your life and values.

Independent, fiduciary advice
As a fee-only firm, we don’t accept commissions or have sales incentives. Our only priority is what’s best for you. Every recommendation is rooted in your goals, not in product sales.

Personal and collaborative approach
You’ll work directly with me, Paul Saad, CFP®, MBA. I take the time to really know you, your family, and your priorities, and we collaborate closely so your plan evolves with life’s changes.

Tax-sensitive investment management
Living and working in California comes with a high tax burden. We emphasize tax-efficient investing, proactive planning, and smart withdrawal strategies to help you keep more of what you earn.

In short, we bring the sophistication of institutional planning with the personal care of a boutique practice—helping you simplify complexity and move forward with confidence.

Education

Ivey Business School at Western University, MBA, Finance | McGill University, BA, Economics

Hobbies and Interests

  • Family
  • Hiking
  • Music
  • Volunteering

Who We Serve

  • Baby Boomers
  • Corporate Executives
  • Dual Income Family
  • Gen X
  • Intergenerational Families
  • Living in Retirement
  • Technology Professionals
  • Young Families

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.