Every climb needs a plan and a pace.
Cadence Capital Investments brings your retirement income, investments, advice, and protection together into one coordinated plan, so the route to and through retirement is clear, deliberate, and built around you.
Cadence Capital Investments is an independent, fiduciary financial planning firm in San Ramon, California. We offer retirement income planning, investment management, ongoing financial advice, and insurance and protection strategies, coordinated into a single plan and built around your goals.
Five ways we help you move forward
Each area stands on its own, and each one is stronger when the pieces work together. Explore where you need help most.
Retirement Income Planning
Turn decades of savings into dependable, tax-aware income. We coordinate Social Security timing, withdrawal sequencing, and spending so your money lasts as long as you do.
Explore retirement incomeInvestment Management
Portfolios built around your goals and risk tolerance, not a model off the shelf. Disciplined, diversified, and reviewed as your life and the markets change.
Explore investment managementFinancial Advisor in San Ramon
A dedicated fiduciary partner for the whole picture: cash flow, taxes, goals, and the decisions in between. Independent advice with no proprietary products.
Meet your advisorInsurance & Protection
Protect the plan from the unexpected. We review life, long-term care, and income protection needs and coordinate coverage through licensed affiliates.
Explore protectionFor Chevron Employees
Specialized help with the ESIP, the CRP pension, company stock, and severance or relocation decisions for Chevron employees and retirees in San Ramon.
See Chevron planningA steady cadence, start to summit
Map the route
We start by understanding where you are, where you want to go, and what matters most. No products, no pressure, just a clear picture.
Set the pace
We build a coordinated plan across income, investments, taxes, and protection, sized to your goals and your comfort with risk.
Ride alongside
Plans meet real life. We review, adjust, and keep you on rhythm as markets move and your circumstances change.
Independent, fiduciary, and rooted here
Cadence is an independent firm based in San Ramon. Because we are independent, our advice is built around your goals rather than a parent company's product shelf. When we provide advisory services, we act as a fiduciary on those accounts, which means putting your interests first. Our approach is fee-based, and where insurance solutions make sense, those are offered through licensed affiliates.
Most of all, we believe good planning feels less like a sales pitch and more like a steady ride with someone who knows the road. That is the cadence we bring to every relationship.
Questions about working with us
What financial services does Cadence Capital offer?
We provide retirement income planning, investment management, ongoing financial advice through a dedicated advisor, and insurance and protection strategies. We also offer specialized planning for Chevron employees and retirees. These services are coordinated into one plan rather than sold piece by piece.
Is Cadence Capital a fiduciary?
Yes. When we provide investment advisory services, we act as a fiduciary on those advisory accounts, which means we are obligated to put your interests first.
How is Cadence Capital paid?
Our planning and advisory relationship is fee-based. Where insurance products are appropriate, they are offered through licensed affiliates and agents, and commissions may apply. We are glad to walk through exactly how we are compensated before you decide to work with us.
Who does Cadence Capital work with?
We work with individuals, families, and retirees across San Ramon and the East Bay, including many Chevron employees navigating their benefits. We welcome a conversation about your situation regardless of where you are on the road to retirement.
Cadence Capital Investments provides investment advisory services; it acts as a fiduciary with respect to those advisory accounts. Advice is fee-based. Insurance and annuity products are offered through licensed affiliates and agents, and commissions may apply. This page is general information and is not investment, tax, or legal advice. Investing involves risk, including the possible loss of principal; no strategy assures a profit or protects against loss.
Let's map your route forward
Schedule a complimentary, no-obligation conversation and see how the pieces of your plan can work as one.