My Story

I started my career as a financial planner in the 80s. It was a difficult career for a young woman to be in a male dominated industry. I persevered  and I bought my last partner out and made the leap to take my firm 100% fee-only in 1984. It wasn't easy back then and I struggled for many years. In the nineties, my business grew tremendously. Not only did I do fee-only financial planning but I also did tax preparation and money management. Eventually I was taking only clients who had a half million dollars to invest, and I was charging $300 an hour for financial planning.

 

Fern Alix LaRocca
Fern Alix LaRocca

It hurt that I had to turn down many middle income clients who could not afford my services. Many of these clients were the ones that helped me build my business. One day, I thought, I will find a way to work with low and middle income clients and still be profitable. I just didn't know how at the time.

 

I got my opportunity to give back after a tragic car accident. My firm, Advanced Financial Designs was sold and while recovering, I started writing for financial magazines and blogs, and coaching individuals and couples on how to increase their net worth.

 

I started my own blog, FromFern.com about my personal experiences. From there, I began WholeHeartedWay.com - a blog on holistic financial planning to help individuals save and invest. I also publish an app called, Mindful Money Magazine which features fee-only financial advisors with personal finance tips and strategies that can help you save more, and invest wisely. Mindful Money Magazine App also features financial therapists and psychologists who work with issues about money guilt, shame, anxiety, and indecision.

 

I have applied my 30 years of practicing meditation and mindfulness into the process of financial planning because people don't plan to fail, they fail to plan. A tremendous amount of resources are available now more than ever to help every individual build wealth. I can help you choose what is right for you.

 

Factors such as procrastination, shame, indecisiveness, guilt and more are responsible for many people not being able to make good financial choices - not because they don't have access to good resources.

 

Right now 78% of full-time workers say they live paycheck to paycheck, up from 75 percent last year, according to a recent report from CareerBuilder. You deserve a better lifestyle than that.

 

You have the resources to build wealth. You just don't know which tools and services are right for you and there is a lot of anxiety around making the right financial decisions. A wrong financial choice can set you back many years in accumulating wealth.

 

I took a hiatus from my business to become the Director of the Silicon Valley Shambhala Center, a meditation center that teaches meditation with a vision of creating Enlightened Society. I helped that community make a painful transition out of it's space due to an increase in the rent. I retired from that position in June 2017.

 

Now I am back to my writing and coaching again!

I am happy to welcome you to my website. Want something that you don't see?

Email me at fern@wholeheartedway.com with your suggestions. I know your time is valuable and that's why you don't see a lot of fluff here. I know how hard it is for people to shift through so much data on the internet only to be disappointed to see conflicting information that you can't trust.

 

All of the WholeHeartedWay posts are designed to give you real information you can use. Information that you can trust.  Information that can relieve the stress and anxiety of financial indecision.

 

Why me?

I am an active licensed Certified Financial Planner™, a Registered Investment Advisor, and an Enrolled Agent (a federally licensed tax practitioner who represents taxpayers before the IRS). I am also a Certified Coach. I love empowering people to create their own financial plan, and I have been doing it now for over 30 years.

 

This site is full of great resources and information that you can use to build wealth and wealth beyond money (because money is not the only thing that can make us happy).

 

No matter how much you earn, getting by is still a struggle for most people these days.

 

Stop living paycheck to paycheck and make your life easier by making your money work hard for you.

 

Contact me fern@wholeheartedway.com to chat.

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