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Get more out of life with the money you have.


flat fee financial planning that puts your life front and center.


You're busy. You don't want to spend your free time trying to understand if you're making financial progress. You'd like to build a strong financial foundation with a professional you trust. 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 over time.

Sounds easy enough, right? Unfortunately, the traditional wealth management industry hasn't made it that way.

YOUR FINANCIAL GUIDE

At Inspiration Financial Planning, we're different. Our flat-fee financial planning services take the guesswork out of how we get paid, and let us focus on your life. We help you make the best decision for you, with confidence. 

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 CHALLENGE

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. You could get advice from others for "free", but do they really know what’s best for you?

OUR ROLE AS A FLAT FEE FIDUCIARY

Wouldn’t it be great if you could find a financial partner to provide clear, objective financial advice and education all for one transparent, flat fee? 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. 

GETTING TO KNOW YOU

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?

GETTING ORGANIZED

Next, we gather all of your financial data. 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.

GETTING DIRECTION

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. 

GETTING STUFF DONE

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

Services

Financial Planning Foundation ($2,000)

You need a solid financial planning foundation. You want to start pulling all of the pieces of your financial life together. You want access to online tools and a baseline that can help you:

  • answer your burning financial questions
  • get financial education
  • establish savings goals 
  • review your cash flow, debt, and spending
  • review your investment allocation and accounts
  • plan for education saving and spending
  • see if you're on track for retirement

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. This is a two-month engagement for those who wish to start working with us.

Ongoing Comprehensive Financial Planning ($4,200/year)

For those who have completed the Financial Planning Foundation, ongoing planning advice is available for a flat fee, billed quarterly or monthly. 

This service involves working one-on-one with a planner over an extended period of time, building on the Financial Planning Foundation to implement the recommendations received and update your plan as necessary. 

Additional topics will be added on a quarterly basis subject to your priorities and an annual service calendar (Investment Planning and Advisory Services, Tax Planning, Estate Planning, Employee Benefits Review, Retirement Income Planning, Planning for Life Transitions, and Life-Centered Planning).

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

About

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. 

I was frustrated with the traditional wealth management industry where only those who were already wealthy could receive unbiased advice billed based on the size of their investment portfolio. 

For those of us who didn't fit in that box, it was difficult to know who was trying to sell us insurance or investments and provide "free" financial planning, v. providing advice in our best interests under a transparent pricing structure reflective of the value REAL planning provides. 

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.

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, 40's and 50'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.

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?

 

No. Those who have a partner in making changes to their lives are more successful. I’m not going to give you a big binder of paper and send you on your way. As part of my ongoing coaching service, I will provide accountability to help you achieve change. I will assist in prioritizing your steps and make sure you are supported through your financial journey.

 

Do you sell financial products?

 

No. As a fee-only financial planner, my only source of income is from clients. This is to prevent conflicts of interest, and allows me to act in a fiduciary capacity 100% of the time we are working together.

 

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

 

Once we determine the appropriate steps to implement your financial plan, then we work together to find services and products that fit. As an independent financial planner, my goal is to find providers that offer superior value and transparency. I seek to find the best solution possible at the lowest available cost. I work with insurance, legal, tax, and investment providers that I believe in.

 

What is your investment philosophy?

 

I believe that low-cost, passive investing is the best way to maximize your returns. Based on your risk tolerance and time horizon, I will recommend an allocation for all of your investments that will help you reach your goals. I do not recommend specific “hot” stocks, nor do I believe that active management brings superior returns over the long term. I do not try and time the market.

 

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

 

When most people think about financial planning, they immediately think of investment management or “wealth” management. The problem with that is then you might think, “If I don’t have investments or wealth, do I really need a financial planner?”

Comprehensive financial planning is about so much more than investments. Every day you make decisions that affect your financial life with respect to budgeting, large purchases, employee benefits, insurance, and savings. I can help optimize all of these areas.

 

So How Will Your Financial Planning Process Help Me?

 

In a nutshell, our financial planning service is a process. It’s understanding what you have today, what you want to have in the future, and figuring out how you are going to get there. Inspiration might strike you at any point in your life and you’ll want to get off the path you are on, and go down a new one. If you have a solid financial plan, you will be able to know if you can follow your inspiration.

Stay Connected to Your Dreams.

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Contact

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.

LOCATION

5205 Avenida Encinas, Suite A
Carlsbad, CA 92008




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