At Modern Family Finance, we help individuals and families in the San Francisco Bay Area build intentional, values-aligned financial lives. Our founders are long-time Bay Area residents—now raising their family in San Francisco’s Outer Sunset—and understand what it means to navigate this vibrant, high-cost city while staying true to your goals and identity.
Whether you’re managing tech equity, growing a business, planning a family, or simply seeking clarity in a complex financial world, we’re here to help—with strategy, compassion, and zero judgment.
Financial Planning, Bay Area Style
San Francisco comes with its own set of financial planning quirks—and opportunities:
- Tech compensation is a major factor for many of our clients. We help decode RSUs, ESPPs, and IPO windfalls in a way that aligns with your goals and tax strategy.
- Self-employed and freelance professionals thrive here, but often lack the structure that comes with traditional employment. We help create that structure—from budgeting to business planning to quarterly tax strategy.
- High cost of living requires careful prioritization. Should you max out retirement or save for a down payment? Should you buy in SF or look elsewhere? We help you answer hose questions with clarity.
- Inclusive planning matters. As LGBTQ+ professionals and women, we’ve built a practice that centers identity, family structures, and values that don’t always fit the traditional mold.
Why San Francisco Clients Work With Us
Bay Area Financial Expertise
We understand the local realities—tech compensation, housing costs, self-employment, and multigenerational planning—because we’ve lived them.
A Network You Can Rely On
We collaborate with a trusted circle of local professionals—including estate attorneys, CPAs, real estate agents, and consultants—to ensure your financial plan is as comprehensive and customized as your life requires.
Inclusive, Identity-Affirming Advice
We work especially well with women, LGBTQ+ professionals, and those looking for a planner who “gets it.”
Personalized, Judgment-Free Planning
Whether you’re starting from scratch or managing complexity, we help you move forward with clarity and confidence.
Meet the Team
We live, work, and raise our families right here in the San Francisco Bay Area—so we know firsthand how much this city shapes the way you think about money, life, and what comes next.
