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Napa Valley Wealth Management
Saint Helena, CA

Kelly Crane

CFA®, CFP®, CLU®
Plan, build, and preserve your wealth.
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Meet Kelly

Trust. It’s an area for which our clients repeatedly rank us in independent surveys. And, it’s a factor most important to me.

In the 1980’s, my mother lost our entire family nest egg to bad investment advice on a ‘hot tip.’ I became a wealth manager, with emphases in financial planning and tactical investing, in large part because of this. I wanted to help families make smarter decisions by incorporating…

Trust. It’s an area for which our clients repeatedly rank us in independent surveys. And, it’s a factor most important to me.

In the 1980’s, my mother lost our entire family nest egg to bad investment advice on a ‘hot tip.’ I became a wealth manager, with emphases in financial planning and tactical investing, in large part because of this. I wanted to help families make smarter decisions by incorporating holistic financial planning and risk-reduction strategies into their portfolio management and wealth building.

With more than 70 years of combined experience, our core mission is to help our clients pursue their target returns with the least risk possible. Our approach is strong on planning, tactical in investing, and disciplined in balancing your returns with risk. We aim to help you eliminate needless losses, reduce your exposure to risk, and accumulate to keep more of what you’ve built.

Our integrated wealth management approach is what differentiates us from advisors and brokers who only invest. We aim to help you plan, build, and preserve your wealth.

Plan: Truly personalized investment solutions begin with financial planning. By first understanding your long-term plans, we better understand all the components that contribute to your financial bottom line. From there, we can help you make decisions toward long-term goals, not just pursue quick hits.

Our investment committee is comprised of CERTIFIED FINANCIAL PLANNERS®. CFP® designations are awarded by the Certified Financial Planner Board of Standards Inc. to those who master nearly 100 topics on integrated financial planning and who meet standards of ethical excellence.

As CFP® professionals, we invest each client's portfolio from their financial plans, taking into account their personal cash-flow needs, tax picture, and risk tolerance. This helps ensure their investments match their long-term risk-and-return objectives and that we’re working with the true end in mind.

Build: We believe wholeheartedly in investment strategies that are logical, well thought-out, and that remove emotion from the decision-making process. We highly value research and quantitative analysis and are not motivated by ‘hot tips.’

Our core investment approach is tactical asset allocation, and our portfolios are built to help reduce volatility during market ups and downs. Dampening volatility swings can lead to greater wealth accumulation.

As a Chartered Financial Analyst (CFA), I am highly skilled in quantitative methodologies for analyzing securities. A CFA designation is the equivalent to a master’s degree in portfolio management and financial analysis. It is a prestigious designation in the business community, considered the gold standard. Most CFAs work as analysts at large firms. My CFA gives me keen insight when analyzing future risk and opportunity profiles as chief investment officer.

Preserve: Preserving your wealth is just as vital to your financial future as is accumulating. Our financial planning solutions help minimize taxes and asset-protection losses, while our tactical portfolio management helps reduce investment risk. Many investors simply carry greater risk than needed to achieve their target returns. We take risk into account on every single portfolio change.

Personalized: We believe that each person's financial situation is unique: every investor has their own financial goals, circumstances, and risk tolerance. Because of this, there are no standardized, cookie-cutter investment solutions. We don't aim to sell products; we want our clients' money maximized for their benefit.

With $250 million in assets under management and 301 clients throughout Northern California. We're truly an independent firm with institutional-level solutions and local heart. We’d love to help you plan, build, and preserve your wealth.

Education

• California State University at Hayward – BS Business Administration, Accounting, and Finance

• Options, 1984

• College for Financial Planning – Certified Financial PlannerTM, 1987

• California State University at Hayward – MBA Finance,1988

• Institute of Chartered Financial Analysts – Chartered Financial Analyst, 1991

• The American College – Chartered Life Underwriter, 1994

• Series 7, 24, 63, 65 Securities Licenses

• CA Insurance License # 0668025

Business Experience

• Napa Valley Wealth Management, Inc. – President, September 2003 to Present

• Self-Employed Insurance Agent/Financial Planner – April 1990 to Present

• Napa Valley Wealth Management – Owner 1992 to 2003

• LPL Financial – October 2016 to Present

• Cetera Advisor Networks – May 2008 to October 2016

• Associated Securities Corp. – February 2003 to May 2008

• Quality Wealth Management – January 1997 to February 2003

• Transamerica Financial Advisors, Inc. – November 1995 to February 2003

• New England Securities Corp. – April 1990 to November 1995

• Cetera Advisor Networks – February 1984 to April 1990


Services offered

Investment Management
Financial Planning
Asset Allocation
Retirement Planning
Tax Planning
College Planning
Estate Planning
Insurance Management
Alternative Investments
Socially Responsible Investing
Employer Sponsored Retirement Plans

Experience with

Small business owners
Medical professionals
Finance professionals
Legal professionals
Business executives
Entrepreneurs
Families
Other professions

Fee structure

Commission-based
Based on % of assets
Fee & Commission
Hourly

Certifications and licenses

CFA® - Chartered Financial Analyst®
CFP® - CERTIFIED FINANCIAL PLANNER™
CLU® - Chartered Life Underwriter®
Series 65 - Series 65

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