Anna Sergunina, CFP®

I passionately believe that in order to live a life of fulfillment and joy, we must genuinely serve each other in any way possible. I found my mission in life to serve others via financial planning.

Some of my biggest satisfactions in my career come from helping clients to understand what stops them from achieving their financial dreams and showing them to the right direction. For me, there is nothing more rewarding to hear how my service helped my clients buy a house, save for kids’ college, start a new business, travel around the world, and afford to retire early. That is how I get my “kicks” and that is what fuels my passion- realizing that I am a part of someone else’s life and that I help them realize their goals.

When I am not meeting my clients or traveling from West Coast to East Coast, you can find me at a Yoga studio, exploring San Francisco, volunteering for my local community or having a picnic on a beach with my husband.

Favorite Quote:
“We are what repeatedly do. Excellence, then, is not an act, but a habit.” ~Aristotle

ARTICLES FROM ANNA
Smart moves to practice for vacations and trips
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Who doesn’t like to travel? Most people do. Event though if you don’t have a travel bug in you, one of these days you’ll have to be going somewhere far from home. Before every trip or vacation, I take I have a ritual I practice to get me into travel mode.

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Navigating Changing Jobs and Careers, While Staying on Course with Financial Planning
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Employment changes will happen to every one of us and more than once in our lifetimes. Working for one employer or keeping one career is not viable any more. The era of lifelong employment with just one employer is long gone.

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2 Financial Principles to Help you Survive Any Life Transition
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Major life transitions, such as moving to a new city, becoming a parent, retiring, graduating from college or changing jobs, can be an exciting and invigorating part of life. Yet transitions, even happy ones, can be stressful and bring up mixed feelings, as well as get you feeling financially confused. Regardless of what life brings your way, I would like you to always remember these 2 principles:

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3 Money Tips for a New Graduate
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Spring is my favorite time of the year. We become more active with outside activities, start to travel and of course our expenditures increase. The month of May also means graduations and new beginnings for many young adults. I want to share with you the financial advice I wish I had received when I was in my 20s, but I didn’t. I had to learn the hard way! I became a certified financial planner. You don’t have to!

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Financial Detox
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I am sure when you hear word “Detox,” you automatically think of diet and cleansing your body and mind. No argument here. All of these are practices are very much needed. However, today I would like to focus on our finances. Guess what? Your money also needs to be cleansed and I am going to show you how!

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Best Practices For Your Not So Private Online Life
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We just have to come to terms that because we live in a modern world and expose ourselves online, there are best practices we need to learn and constantly revisit to stay current. Here are my 10 “Best Practices” for the “private life” we live today.

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Privacy anyone?...Not anymore!
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‍It has become extremely difficult for consumers to navigate and manage the privacy of their financial and non-financial lives. The world is changing at a fast speed. Technological advancements allow us to have access to information at the tip of our fingers. But those advancements don’t come without a cost.

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Smart moves for your tax refund
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2017 Tax season is finally here. Many of you already completed your tax returns and many are still working on them, including me. Gosh, life used to be so simple when I didn’t own a business and only had W-2 income!

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Money Market Accounts Could Drag Down Your Retirement Savings
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After the stock market meltdown of 2007 and 2008, many Americans grew wary of investing and moved more of their savings into money market deposit accounts. These have less volatility than stocks and a higher return rate than traditional savings accounts. In fact, the total amount in money market accounts has nearly doubled since the stock market crash, from around $2.7 trillion at the end of 2007 to more than $5.1 trillion as of this June, according to data from the Federal Deposit Insurance Corp.

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Financial Planning for the 21st Century
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The world is changing quickly, and it’s time for financial planning advice to catch up. It’s no longer commonplace to work at one company for your entire career and walk away with a nice pension to help you live a comfortable life in retirement. New technology combined with a surge in freelancing and the on-demand gig economy means many people no longer rely solely on their 9-to-5 income. Though in some ways this may complicate your financial plans, it also brings new opportunities to build wealth, diversify income streams and gain control over your finances.

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4 Tips to Slash Unnecessary Monthly Expenses
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Most of us pay our bills around the beginning of the month, and about this time the stack can get pretty high — as does the hit to your bank account. If you’re like me, you often think, “What can I do this month to cut my expenses, in a smart way, and waste less money while I’m at it?” I’ve got some ways to do exactly that. Here are my four tips that you can implement today:

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How to Turn Big Dreams Into Financial Goals
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‍A dream without a plan is just a wish. To make sure you can achieve the big dreams and desires you have in life, it’s important to turn them into attainable financial goals. Then you must prioritize your goals and consistently track your progress toward them. The following steps will help you define and prioritize your goals so you can make your dreams a reality:

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The Art of Doing Nothing
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Living in the 21st century, we are weighed down with activities, tasks, endless to do lists, technology. We are ON 24/7. It’s hard to disconnect. But we must, in order to keep our sanity.

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Life without cable TV
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Something occurred to me during my monthly flight from San Francisco to Baltimore this past August. I was coming back to my seat from the back of the pane. As I walked down the aisle, I noticed that about 75% of passengers had a tablet or computer on and were watching something. Not reading, mind you, but watching. This observation really gave me pause me and got me thinking about the fact that I haven’t watched any movies in quite some time. And then another thought came. When was the last time I sat down to watch TV? I couldn’t remember!

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Tips on Taking Over a Family Business
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Taking over a family business combines two of the most important parts of our lives — family and work — in a potentially volatile process that can affect relationships and keep the transition from being as smooth as it could be.

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How Couples Can Manage Money When Income Fluctuates
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When you’re a married couple and your bills are steady but your income now isn’t because one of you has become self-employed, how can you manage your finances? Here are six recommendations to keep your finances on track as one spouse takes on a new business or creative pursuit and moves to a more variable income. by: Lucy Lazarony, Next Avenue Contributor, quoting Anna Sergunina

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7 Tips for Managing Money with Your Roommate
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Living with a roommate certainly has its perks, such as having someone to split the bills with. But like with any relationship, financial conflicts, if not handled proactively, can make your life miserable.

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Tax-Reduction Tips for Small Businesses
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Small businesses face many challenges, especially in the early days, including developing a product or service, targeting it to the right market, hiring the right employees and keeping expenses under control. Meanwhile, taking the right approach to taxes is a crucial factor that sometimes is overlooked.

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MONEY “DATES”
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The idea of “Money Dates” has recently resurfaced in my mind. I was having a discussion with my husband about our finances. We had just re-balanced our portfolio, with the help of our advisor, Jim Ludwick!

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Be On The Lookout For These 7 Everyday Scams
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Each year, hundreds of thousands of older Americans are victims of abuse, particularly financial abuse. As a financial advisor, it’s part of my job to be on the lookout for...

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Maximize Your Employee Benefits
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Being your own boss might seem like a sweet deal, but one of the advantages of working for a company is the employee benefits package you’ll usually get. Typical benefits include a retirement plan,...

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How To Avoid Getting Stuck With A Rental-Property Dudd
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If you’re thinking of buying a residential income property or converting your current residence into a rental, you might want to think again. A deal that looks good on the...

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