Finally, integrated and holistic financial care that you deserve

Our approach is tailored to the “whole you” – we discover your values and then build an integrated are team catered perfectly to you!

As a planner who believes in “Two Are Better than One,” I build teams around my clients to leverage experts whether that be from investment management and estate planning to tax strategies and charitable giving. Our differentiated service model provides a unique value proposition for our clients and as an independent RIA, I’m able to offer the best solutions to solve the individual needs of each of my clients.

Work With Me

A Comprehensive Approach

Retirement Projections

Distribution Planning

Estate Planning

Business Planning

Tax Mitigation Strategies

Insurance

Retirement Accounts

Investments

Who I Serve

Pre-Retiree/Retiree
($250K-$999,999)

Whether it be approaching retirement in the next 10 years or recently retired, we take these individuals through a process to evaluate the health of their current plan and seeing if there are areas we can add value.

Business Owner

Coming Soon! We have a process launching in 2026 to evaluate the health of the business’s comprehensive financial plan and offering. Still please reach out to me if this applies to you. 

Private Wealth ($10MM-$200MM)

A process to evaluate the teams, systems and strategies currently being utilized to meet the needs of the high and ultra high- net worth family 

Our Partners

49 Financial has selected Charles Schwab & Co., Inc. as primary custodian for our clients’ accounts. By using Schwab as primary custodian, 49 Financial has access to a wide range of products and services that help us serve our clients, including:

  • Full range of investment products and trading services

  • Technology and service support

  • Wide array of investment account types including retirement accounts, charitable giving, and education accounts

  • Full range of investment options such as stocks, mutual funds, bonds, exchange traded funds, CDs and other investments.

Our Process

Initial Check up

We listen first to connect and understand your unique goals, challenges, and vision for the future.

Our Process

We work in teams because two are better than one (Ecclesiastes 4:9) We pride ourselves in a comprehensive approach tailored to your lifestyle, starting with a three-meeting process to show value on the front end.

Lifetime Reviews

Life changes, and your plan may, too. We check in regularly to ensure your plan grows with you.

Real Stories from Real Clients

We ensure quality financial planning - hear it from our clients!

Conquering Financial Anxiety

  • This testimonial reflects a current client’s unique experience organizing finances to help manage financial stress. Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are solicited, and no cash or non-cash compensation was paid for such testimonials. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information. Investing involves risk, including the possible loss of principal and fluctuation of value.  Past performance is no guarantee of future results.

Navigating Finances

  • This testimonial reflects a current client’s unique experience navigating personal finances and professional relationships. Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are solicited, and no cash or non-cash compensation was paid for such testimonials. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information. Investing involves risk, including the possible loss of principal and fluctuation of value.  Past performance is no guarantee of future results.

A Personalized Approach

  • This testimonial reflects a current client’s unique experience with the firm’s personalized financial planning approach and goal-setting process. Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are solicited, and no cash or non-cash compensation was paid for such testimonials. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information. Investing involves risk, including the possible loss of principal and fluctuation of value.  Past performance is no guarantee of future results.

Confidence

The Whole Package

Comfortable

Security and Trust

Listen

Comforting

Sleep Easy

Peace of Mind

Confidence The Whole Package Comfortable Security and Trust Listen Comforting Sleep Easy Peace of Mind

  • "The team approach has been hugely helpful for us. If Liv's available, great, if Dean's available, great. Seeing that it's working is a testament for us that we can take a breath and start approaching this whole retirement thing with more confidence."

    —Kelly

  • "Working with the team at 49 Financial has been a true pleasure. Olivia is warm, engaging, highly organized, and dependable, while Dean brings deep knowledge and experience, paired with excellent communication. Together, they introduced me to strategies I would never have discovered on my own, and my portfolio has shown steady progress quarter after quarter. What I value most is their honesty and transparency—I have full confidence that every recommendation is aligned with my financial goals, never with hidden agendas. Ethical, honorable advisors are hard to find, and Olivia and Dean exemplify both. I would highly recommend them to others, and have already done so with friends and family."

    — Victoria

  • "My experience with 49 Financial has always been very positive. The team provides world class customer service, they are knowledgeable and the service is an exceptional value. The team came highly recommended and has exceeded my expectations. The single point of contact model is one I successfully implemented in my professional career"

    — Mike

  • "Teaching us how to give us the comfort level to say, 'Guys, it's time to break free of what you've been doing and do something different.' The comfort level you guys provide to be able to do that is very freeing."

    —Greg

  • "Having a travel bucket and charitable giving bucket - it's almost like the Dave Ramsey envelopes. If you're putting money in the envelope, you're not going to use it. Our plan is 'This is what we have in our travel bucket, this is what we can do travel-wise.' It makes us more responsible."

    — Hortencia

  • "Dean and team, yourself included Liv, you take the time, everybody takes the time to listen to what our needs are, our concerns, and address it. During the selling process, you took our financial information and presented a plan without even having us as a client yet. Some of the things that were mentioned were things that were forward-looking and that you would not make money in the short term with, but you're looking to long term and see us as an investment. You were investing in us to be clients of 49 Financial."

    — Sean

  • "We had worked with some other people before we found 49 Financial, and it just felt like a cookie-cutter approach. This feels very personalized to what we want out of retirement and what we want out of our retirement money, and just being able to work with us in making our goals approachable and reachable."

    —Tonya

  • "I had a financial planner before with one of the big banks. I really liked him, but I felt like I was on autopilot. We would have meetings occasionally, but they were more loosely organized. With 49 Financial, I feel a sense of leadership and accountability and connectivity. That to me is just really important."

    — Mary

  • “We haven’t had a financial planning advisor before, but we should’ve teamed up with 49 Financial a long time ago! Truly a different kind of company – integrity and a true desire to put our interests first. They spent a long time listening to us talk about our needs and wants and then telling us how they can assist us to the goal line! Dean Dillenberg really impressed us with his professionalism and knowledge, and Liv Shin is enthusiastic and eager to help us find the right investment options. We would highly recommend the call.”

    — TK and Mike

  • "The process has been incredible! Very professional and Liv is very knowledgeable about financial planning. I have always felt very secure with her and her team!"

    — Emily

  • "Besides our quarterly updates with you and Dean, we get the in-between updates: 'Hey, just heads up, the market's looking like this, and to protect you, we're going to shift some finances over here so we can ride this out.' I take my phone and tell my wife, 'Honey, look - we're in good hands.'"

    — Mike

  • "I love seeing everything laid out in a very organized fashion. It really helps me keep a clearer picture of where I am and what I need to do. The reviews are always fun and interesting - I learn things outside of finance too. They've been really grounding. When it comes down to a relationship where somebody's handling your finances for you, it's so important to feel like you're understood. That's definitely something that I feel with Dean and Liv - you understand me and you keep me on track."

    — Mary

Financial Frequently Asked Questions

  • Clients with advisors tend to have better financial habits and well-being:

    • Advised clients spend less time managing finances (~3.8 hrs/week) compared with self-directed investors (~5.5 hrs/week) — saving 100+ hours per year.

    • 76% of advised clients report that professional advice saves them time.

    Professional guidance is strongly associated with reduced stress, increased peace of mind, and better emotional outcomes. (Source)

    Tell Me More:

    Many people confuse a financial advisor with a money manager. While investment management is one piece, financial planning is much broader. 

    A financial advisor can help you prepare for major life transitions. This could be a career change, selling a home or business, or retiring. Sometimes people tell me they’ll reach out after the big event when in reality, the greatest value comes from planning before it happens. 

    In Practice, my role is proactive, not reactive. I help clients think through tax implications, investment strategy, cash flow, and long-term goals ahead of major decisions or inevitable & unexpected changes in life. I build all-star teams of subject matter experts around my clients, & guide them through a meeting process to ensure every moving piece is aligned and accounted for in the larger picture, 

    In short, it’s not just about managing money, it’s about building a strategy that aligns with your life…and when life changes, you are prepared… and never navigating it alone 

  • Yes, I am a fiduciary. This means I am legally and ethically obligated to always act in my clients’ best interest. 

    Tell Me More: 
    In Practice, this means the plan comes first. I begin by understanding your goals, values, and long-term vision. From there, my team and I design a strategy around you — not around products or pre-set solutions. 

    Only after the planning is clear do we move on to a meeting where we evaluate which investments, insurance, or planning strategies are most appropriate. I help quarterback a team to ensure that every recommendation supports the bigger picture of your life. 

    In short, being a fiduciary isn’t just a title for me, it’s the standard for how I build trust and long-term relationships. 

Certifications, credentials, and licenses (…oh my!)

  • • Series 65 – Fee-based advisory license (fiduciary standard) 
    • Series 63 
    • SIE (Securities Industry Essentials) 
    • Group 1 Insurance License 

    Do you have your CFP®? 

    No, I do not currently hold the CFP® designation. 

    Tell Me More: 
    When I entered this profession, my father, who is a heart surgeon, asked how I could practice without it. In finance, advisors are licensed through regulatory bodies, and those licenses determine our ability to serve clients. Designations like CFP® represent advanced education, which I value and plan to pursue. 

    In Practice, I operate as a fiduciary under my licenses and build a team around my clients that includes credentialed specialists when needed. 

    In Short, Credentials matter. So does having the right strategy and team in place. 

    Licenses and registrations held in applicable states. Advanced designations referenced may be held by affiliated professionals within the organization. 

  • Our roots are in holistic financial planning. We’ve seen too many individuals shown a portfolio or an insurance product as a catch-all solution. While investments and protection strategies are important, they rarely answer the full picture. 

    Tell Me More: 

    In Practice, we intentionally slow down and help educate on topics like tax strategy, cash flow, estate considerations, business ownership, risk management, and long-term vision. Then, we translate it into simple, clear frameworks tailored to each client. 

    In short, rather than fragmented advice from multiple disconnected providers, our clients experience coordinated strategy like a family office structure. 

  • I primarily serve three client segments, each with increasing levels of complexity and coordination needs. 

    1.Pre-Retirees & Retirees ($250K–$999,999) 
    Individuals approaching retirement within the next 10 years - or recently retired - who want clarity around income strategy, tax efficiency, investment structure, and long-term sustainability. 
    We evaluate the health of their current plan and identify areas where strategy can be strengthened or simplified. 

    2.Business Owners 
    We are launching a formalized business-owner planning process in 2026 designed to evaluate both personal and business financial alignment - including succession, liquidity events, tax strategy, and risk management. 

    3.Private Wealth ($10MM–$200MM) 
    For high and ultra-high-net-worth families, we assess the effectiveness of their existing teams, systems, and strategies. The focus is on coordination - ensuring investments, tax planning, estate structures, and governance work in harmony to preserve and grow multi-generational wealth. 

    Tell Me More: 

    In Practice, across all segments, the common thread is growing complexity. We are best suited for individuals and families who need coordinated strategy in the above client segments, or simply a second opinion.  

    In short, as life grows more complex, strategy must grow more intentional. To begin the conversation, schedule an introductory conversation with me to discuss further. 

Let’s Start, Shall We?

Take a breath, it’s going to be okay. Trust me, I’m here to help!

Schedule a meeting
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