FAQs

We offer comprehensive financial planning and investment management services, including retirement income planning, wealth protection and transfer, asset management, insurance planning, business planning, and college education planning. Our approach is holistic, focusing on both building wealth and protecting what you’ve already achieved.

Emmanuel Obel is the Principal and Founder of Obel Financial Advisors. He holds an MBA in Finance from Golden Gate University and has more than 20 years of experience helping families, small businesses, and family offices create and preserve wealth. Emmanuel is also a National Social Security Advisor (NSSA) who specializes in retirement income planning and risk management.

Yes. As a fiduciary, we are legally and ethically obligated to act in your best interest at all times. Every recommendation we make is based solely on what aligns with your goals, not on commissions or third-party incentives.

We operate primarily on an Assets Under Management (AUM) model, meaning our compensation is a percentage of the assets we manage on your behalf. This aligns our success directly with yours — when your portfolio grows, so do we. For select financial planning services, flat or project-based fees may apply.

Our investment philosophy is simple and disciplined: We help you build wealth and protect what you have built. We focus on long-term strategies rooted in diversification, risk management, and consistency, rather than short-term speculation or market timing.

Yes. We offer both in-person and virtual appointments to make financial planning accessible and convenient, no matter where you are located. Virtual meetings allow clients across California and beyond to receive the same high level of personalized service.

We take a relationship-based approach. Instead of offering generic advice, we take the time to understand your full financial picture, personal goals, and family priorities. Our process integrates retirement income planning, investment management, and risk protection into one cohesive strategy that evolves with your life.

Absolutely. Retirement income planning is one of our core areas of expertise. We’ll help you evaluate your income sources, Social Security options, and tax strategies to create a reliable stream of income that supports your lifestyle throughout retirement.

Yes. We believe protecting your wealth is just as important as growing it. We offer comprehensive life, property, and casualty insurance solutions to help safeguard your family, home, and business from unexpected financial challenges.

Yes. We serve families, small business owners, and family offices seeking tailored strategies for asset management, business succession, and legacy planning. Our goal is to help business owners connect their professional success with long-term personal wealth.

That’s one of the most common questions we hear. We analyze your current savings, expected expenses, and lifestyle goals to create a realistic retirement income plan. Our goal is to give you confidence and clarity about where you stand and what adjustments can help you achieve financial freedom.

We begin with a detailed discovery meeting to understand your goals, income, assets, and priorities. Then, we develop a tailored financial strategy that covers investments, insurance, tax efficiency, and estate considerations. Every plan is reviewed regularly and adjusted as your life and the markets change.

Our clients include families planning for retirement, small business owners managing growth, and family offices overseeing multi-generational wealth. Whether your goal is financial independence, business continuity, or legacy preservation, we create strategies that fit your life.

It starts with a conversation. Schedule a consultation with Emmanuel Obel, MBA, NSSA, to discuss your goals and explore how we can help. We’ll review your current financial situation and outline a strategy designed to move you toward lasting financial confidence.