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Get more out of life with the money you have.

Plan to be inspired.

You're busy. You don't want to spend your free time trying to understand if you're making financial progress. You don't have time to optimize your employee benefits, investments, and insurance. You want to know if what you're doing is enough, and if not, how you can change it.

Who has time for inspiration? You do.


At Inspiration Financial Planning, we're here to be your trusted financial guide. We help you make the best decision for you, with confidence. We take the guesswork out of your everyday financial decisions to help you follow your dreams.

Understand your current financial situation, balance competing financial priorities, and plan for the future.

You deserve practical advice you can trust.

As Featured In

The Washington Post

Our Difference


Your finances have gotten more complex as you’ve gotten older. You’ve switched jobs a few times and you haven’t had time to figure out what to do with your old retirement plans. You’re going through some major life transitions like getting married, growing your family, buying a home and moving, or getting ready to send your kids to college.

At the same time, you’re unsure if you’ve got the right knowledge to make the best financial decisions for your family. You’d like to master the basics and let someone else worry about the rest. There’s no end to the advice you could get from others, but do they really know what’s best for you?


Wouldn’t it be great if you could find a financial partner to provide clear, objective advice and education? Someone who gets to know you and your family personally. Someone who understands how you arrived where you are today. Someone who can help you cut through the clutter and gain peace of mind.

Welcome to Inspiration Financial Planning. We help you get started, get organized, and get the most out of life, with the money you have, while helping you prepare for your future financial transitions. Instead of selling financial products, we practice what we call "Life-Centered Financial Planning".

Curious what a financial plan looks like?

Check out our sample plan!


We start all our engagements with conversations about who you are, your experiences and philosophy around money, and what's going on in your life. We will discuss your goals, your values, and what your expectations are of financial planning. How do you see your future and what are you willing to change? Do you need one-time advice or desire an ongoing partnership?


Next, we gather all of your financial data including Income and Expenses, Investments, Savings and Real Estate, Loans and Liabilities, Insurance Policies, Employee Benefits, Estate Documents, and Tax Returns. Instead of sending a bunch of paper back and forth, we use technology to aggregate your financial account information, capture your financial life story, and share digital files.


We assess all of the information you provide and figure out the optimal financial decisions you can make that will help you get more out of your life with the money you have. We help you prioritize what needs to be done now, versus what can wait. We take a look at different scenarios that can impact whether or not your plan can become reality. And when life changes, so does our work together, so that your plan is a living reflection of your current circumstances. 


Not only do you want to know WHAT to do, you want accountability and assistance getting it done. We help you find the right mix of others - whether in tax, legal, insurance, or investments - to get the job done right. We make sure you're on track to accomplish what you told us is important to you, year after year. 

You Can’t Cross the Sea Merely by Standing and Staring at the Water.

— Rabindranath Tagore


As a basic planning client, you want to start pulling all of the pieces of your financial life together. You want access to online tools and a solid plan that can help you:

  • establish savings goals and track your progress
  • establish budgets and view your monthly spending habits
  • manage and pay down debt
  • keep track of accounts including savings, checking, credit cards, retirement, and loans
  • understand what investments you have and how you can optimize them for your situation
  • keep track of insurance and estate planning tasks 

You are ready to gain insight into your current financial situation and prepare to meet life’s future possibilities. You want to get organized, and simplify your finances. You want help figuring out whether to save or pay off debt, and make other financial tradeoffs. You could benefit from a check in with your planner each year to make sure you're on track.

Singles: $500 to start then $50/month ongoing
Couples: $750 to start then $99/month ongoing
(subscribers to this service receive a discount of 50% on up to 4 hours of additional hourly planning per year)

As a comprehensive client, you want to address your questions as they come up, and have instant access to all facets of your financial plan, so you can focus on what matters to you in life. 

You are ready to gain insight into your current financial situation and prepare to meet life’s future possibilities. You want to get organized, and simplify your finances. You want help balancing competing financial priorities. You see value in partnering with an objective financial professional who will take a holistic approach to your goals, alternatives, decisions, and support you in implementing optimal strategies.

Comprehensive clients partner with us on an ongoing basis to stay informed, access expertise, and update their plan as life, laws, and finances change.

  • Cash Flow (Budgeting) and Debt Management: Income and expense review and recommendations. Emergency fund recommendations. In-depth debt management for student loans and other debt providing payoff strategy recommendations and tax implications.
  • Education: Strategies to save for, save on, and pay for college or other education goals.
  • Employee Benefits Optimization: Take the maximum advantage possible of your employee benefits including retirement plans, employee-sponsored life and health insurance, disability and education reimbursement.
  • Estate Planning: Understand your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. 
  • Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.
  • Investment Analysis: Develop an asset allocation strategy to meet your financial goals and risk tolerance, provide information on investment vehicles and strategies, review employee stock options, as well as assist you in establishing your own investment account.
  • Retirement Planning: Projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. 
  • Tax Planning Strategies: Ways to minimize current and future income taxes as a part of your overall financial planning picture.
  • Other Financial Goals: We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.
  • Ongoing financial coaching: Access to coaching around life decisions such as home/auto purchasing, career changes, family changes, or other financial challenges and questions.

As a project or hourly client, you might be facing a big financial decision like whether to rent or buy a house, whether to lease or buy a car, whether to find a new job and negotiate a job offer, whether to pay down debt or save/invest, or want a second opinion on your current financial plan. 

You need objective financial advice in one or more areas of your life that might be keeping you up at night. You are ready to take action to get those items off your plate and gain peace of mind. You want to work with someone you can trust to present all the alternatives, the pros and cons of each one, and recommend the best choice for your situation.  

  • Make a Large Financial Decision
  • Review (or Start) Retirement Plan
  • Save or Pay for College 
  • Review Cash Flow and Budgeting
  • Optimize Employee Benefits
  • Plan for Financial Inheritance/Windfall

$500-$5,000 or $200/hr

Does Your Spending Align With Your Values?

  • Do you know where your money goes each month?
  • Have you analyzed your spending to see if it's aligned with your goals and values?

Try Our Online Portal!

Easily create your Net Worth summary, and tracking spending and cash flows - like Mint.com, but better! 

Create Your Portal

What's Your Return on Life?

  • Are you getting the best Return on Life possible with the money you have? 
  • Are you using your money in ways that improve your life? 

Find Out Now!

Take our 5-minute ROL Index Assessment and see what your return on life is. 

Take Free Assessment

Be Yourself. Everyone Else is Taken.

— Oscar Wilde


Nannette L. Kamien, CFP®, MBA

I created Inspiration Financial Planning in 2015 after seeing how hard it was to find affordable, objective, financial advice tailored to my peers and colleagues. My generation is balancing uncertainty in a number of different areas from careers, real estate, and health care costs, to rising education costs, aging parents, and longer life expectancy. It’s more important than ever that we make solid financial decisions as we navigate this uncertainty.

The world has changed as we’ve grown up. No longer do we graduate from college, get a job with a good company, and retire from there after 30 years with a nice pension and social security benefits.

I know first-hand what it's like to switch jobs, get married, have a baby, and buy real estate within a span of two years. I understand the challenges you face balancing competing financial priorities like saving for retirement, and saving for college or other goals, while managing variable income, and trying to keep up with all of life's changes that happen in your 30's and 40's. I can help you determine where you stand today financially, and help you plan to achieve YOUR inspiring future.

When I'm not helping clients, I enjoy spending time with my husband Rich, and our children Ali and Nate. I love to read, play golf, and travel.

Click on the question to get the answer...

Do I need to have my finances in order before I contact you?


Not at all. A big part of the up front, and ongoing, value of financial planning is organization of your financial life. Through working with me you will learn what pieces of information you need to pull together in order to create your plan. I will help you put them all together to get crystal clear on your current situation.


Do I have to put the plan into action all by myself?


Do you sell financial products?


If you don’t sell me financial products, where do I get them?


What is your investment philosophy?


I Am Not Wealthy. Why Do I Need Financial Planning Help?


So How Will Your Financial Planning Process Help Me?


Stay Connected to Your Dreams.

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Phone: (760) 933-PLAN (7526)
Text: (760) 993-3131

The North County San Diego area is our home base. We work with clients virtually and in-person throughout the United States, with convenient meeting times based on your schedule.


5205 Avenida Encinas, Suite A
Carlsbad, CA 92008