Emmett Kearney, CRPC®, EA
Financial Advisor
Having a financial plan does not need to be overwhelming. I translate complex strategies into client-friendly, goal-based investment solutions.
Clarity, convenience, and security for your financial life.
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Emmett Kearney, CRPC®, EA
Financial Advisor
Having a financial plan does not need to be overwhelming. I translate complex strategies into client-friendly, goal-based investment solutions.
Who we serve
Jump to: Biotech, pharma, and medical device professionals | Young families | Corporations
Achieving financial independence is an ongoing process, not an event.
As a fiduciary financial advisor, I specialize in crafting investment plans, managing risk, optimizing equity compensation, and developing robust retirement solutions for my clients. I want my clients to reach the “work-optional” phase of their lives so they can prioritize the life they want to live, the people around them, and the work they want to do (if working at all).
I enjoy working with individuals and businesses in the biotech, pharma, and medical device industries to help them simplify their financial decisions. Using my passion for numbers and a drive to help others navigate the complexities of finance, I aim to be my clients’ trusted financial guide.
GETTING STARTED
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Who we serve
Biotech, pharma, and medical device professionals
I worked in these industries as an engineer for eight years and have a deep knowledge of how to optimize stock compensation and benefit packages to meet your goals. I know how it feels to buy into a company’s mission and want to hold onto the stock as the company succeeds, and the hesitant feelings you may have about selling those shares too early. We will work together to create a balance where you can meet your goals without fully relying on your company’s success.
While W2 employee options can be limited. I will work closely with your CPA to minimize the tax burden you will incur due to stock-based compensation.
Young families
Having others depend on you financially can be scary when starting a family. However, we combat this fear by focusing on defensive planning, such as creating an emergency fund, managing risk via insurance, and setting up an estate plan. Once your household is protected, we can help you set up college savings accounts and plan for all the fun that comes along with expanding your family such as buying a house, getting a bigger car, daycare costs, and more.
Corporations
As part of a non-profit called the Association of Financial Educators (AFE), I provide complimentary financial education workshops to improve the financial literacy of employees. These workshops go beyond a 401(k) provider’s yearly presentation and present a holistic approach to financial planning with actionable items that your employees can implement right away.
If your company is interested in seeing a sample workshop list or the worksheets I provide, please schedule a meeting!
Transparent pricing
I can work under the style of relationship that works best for you, as long as you meet the minimum fee requirements, Yearly fees are based on the complexity of the required planning for your situation.
If you elect for both financial planning and asset management your financial planning fee may be lowered or waived completely based on the assets that are moved under our management. We do not double dip on fees—all financial planning services are included, even if you are only charged an investment management fee.
- Flat fee financial planning: $2,400-6,000/year charged monthly ($200-$500/month)
- Investment management: 1% of Assets Under Management; declining for portfolios over $1MM
Services
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- Comprehensive fee-based financial planning
- Stock compensation optimization
- Tax-efficient investment strategies
- Education funding
- Income protection
- Corporate financial education workshops
- Wealth management
- Insurance
- Retirement planning
About me
I grew up in San Diego. After high school, I attended and graduated from Purdue University with a degree in mechanical engineering. After spending time in the medical device and biotech fields and watching my parents navigate saving for retirement, I was empowered to make a change.
Today, I remain a resident of the San Diego area. In my time away from the office, I enjoy golfing, surfing, and spending time with family and friends.
Qualifications
- Internal Revenue Service – Enrolled Agent (EA)
- Chartered Retirement Planning Counselor (CRPC®)
- Registered Representative and Investment Advisor, Cetera Advisor Networks
- Financial Educator, Association of Financial Education (AFE)
- FINRA Series 7 and 66 Registered
- California Life and Health License #4352182
Community involvement
- Big Brothers with Big Brothers Big Sisters since February 2022
- San Diego Nice Guys
Advisor team
Grace B. Torres Kilpatrick, CEPA®
Regional Director | Branch Manager | Senior Financial Advisor
North Star resource team
Jeff Landt, CFA, CFP®
Senior Vice President and Chief Investment Officer
Bailey Berg
Financial Planning Administrative Coordinator
Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory Services offered through Cetera InvestmentAdvisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.