Will & Kate

Technology Professional and His Growing Family

Primary Financial Concerns:

  • Paying off college debt
  • Buying a home
  • Saving for their children’s education

Discover Pring Turner’s Solution for Will and Kate

Primary Financial Concerns:

  • Paying off college debt
  • Buying a home
  • Saving for their children’s education

Key Questions:

  • Should we pay off our student loans or start saving for retirement?
  • How can we best save for our children’s education?
  • Who can we trust for hands-on financial planning guidance?

Recommended Services:

Will is a software engineer at a large San Francisco Bay Area technology company while Kate is a real estate broker in Walnut Creek. They met in college, were married shortly after graduation, and were blessed with a beautiful baby girl (Elizabeth) nine months later. Will and Kate knew it was important to start thinking about their financial goals not only for their own future but their growing family’s, as well. They wanted to make sure their children would have the resources to go to college without the need of taking out burdensome student loans.

As for themselves, they wondered if it was best to pay down their own student loans or to start focusing on investing for their retirement. Between their student loans, 401(k)’s, Individual Retirement Accounts (IRAs), College Savings Accounts, Employee Stock Purchase Program (ESPP), Restricted Stock Units (RSUs) and Employee Stock Options, Will and Kate were a bit overwhelmed with all the investment decisions ahead of them.

At Pring Turner we have a long history of providing financial guidance to growing families. For clients like Will and Kate, we are a great resource for insight, education, and answers to a wide range of financial topics such as: 401(k)’s, Individual Retirement Accounts (IRAs), College Savings Accounts, Employee Stock Purchase Program (ESPP), Restricted Stock Units (RSUs) and Employee Stock Options. The guidance and hands-on approach we provide is designed to allow growing families whose lives are changing to feel confident moving forward on their financial journey. Our #1 goal is to aid growing families by putting a knowledgeable financial advisor on their side.

Case studies presented are hypothetical scenarios and for illustrative purposes only. Please see disclaimers page for additional information.

Advisors who specialize in financial planning for Business Owners:

Joe Turner
Investment Advisor

Tom Kopas
Investment Advisor

Jim Kopas, CFA
Investment Advisor

Call 925 287 8527 to schedule a complimentary consultation session with one of these advisors.

Martin J. Pring

Martin J Pring

Investment Strategist

Intrigued by the dynamics of financial market behavior, Martin founded Pring Research in 1978 by providing research for financial institutions. Since 1984, he has published the Intermarket Review, a monthly global market report that analyzes the world’s principal financial markets. He has written more than 20 books on topics such as asset allocation, market psychology and investing around the business cycle. His widely popular book, “Technical Analysis Explained”, has been translated into 8 languages and for several decades was required reading for the Chartered Market Technician’s (CMT) designation.

Their shared interest in business cycle investing led Martin to join with Joe Turner and co-found Pring Turner Capital Group in 1988. Martin, in collaboration with Dow Jones Indexes, co-developed the Dow Jones Pring U.S. Business Cycle Index in 2012, a unique index based on the firms “Six-Stage” business cycle investment strategy.

Currently, he is adjunct professor at Golden Gate University in San Francisco teaching the world’s first virtual graduate level course on technical analysis. He has been honored by his peers with several lifetime achievement awards recognizing his career-long investment research contributions. Martin has traveled the world visiting more than 30 countries as an invited speaker to financial institutions and professional investment groups.

 
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Jim Kopas

Jim Kopas Portfolio Manager

Ever since he can remember, Jim has always had a keen eye for business. His “professional” career began at the ripe old age of 11 when he started a dog walking service to help neighbors with especially energetic pets. After just a few months of walking dogs and with years of accumulated birthday savings, Jim had enough money to open his first brokerage account. He has been enamored with investing ever since.

To grow his investing knowledge, Jim enrolled at Santa Clara University in 2005 and three years later received a BSC degree in Finance. Upon graduation he joined Pring Turner just in time to be greeted with the greatest financial crises since the Great Depression, an even more valuable learning experience than college. In 2013, he earned the Chartered Financial Analyst®(CFA) designation, the most respected and recognized investment management designation in the world.

Away from the office, Jim loves spending precious time with his wife Genna and daughter Kate. The Kopas family especially enjoys traveling, attending Cal Football games, and long walks with the family’s golden retrievers.

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Joe D. Turner

Joe Turner

Portfolio Manager

Joe began his career with Dean Witter in 1968. Feeling he could better serve clients as an independent advisor, in 1977 he formed an SEC registered investment advisory firm. In 1988, Joe joined with Martin Pring and co-founded Pring Turner Capital Group. Joe firmly believes one learns a subject best by teaching it. On that basis, Mr. Turner has taught multiple graduate level courses at Golden Gate University in San Francisco primarily on business cycle strategy and the psychology of investing. Joe is a graduate of Oregon State University. In his time away from the office he enjoys hunting, hiking and spending time with family and new grandchildren.

 
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Pamela Ross

Operations Manager

Pamela RossOriginally from British Columbia, Pamela moved to California in order to complete her undergraduate studies. She attended UC Davis where she earned a double major in International Relations and French in 2013.

Before joining the Pring Turner team, she worked with governmental and non-governmental bodies to raise awareness of humanitarian needs via legislative and educational initiatives. She used her organizational skills to establish a US-based foundation for a European philanthropic coalition. Her desire to serve others remains steadfast in her new role as Operations Manager. Her primary responsibility is to assist clients with all account servicing requests, while also integrating new technology and processes to our administration, compliance and office operations.

When Pamela is not at work, she enjoys being in the great outdoors, rigorously training for and competing in long-distance trail running events and relaxing over a cup of tea.

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Volunteer

 

Outdoor Junky

 

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Tom Kopas

Tom Kopas

Portfolio Manager

Tom began his career in the financial services industry at Dean Witter in 1981 and spent more than two decades developing his conservative investment strategy while at major Wall Street firms. During that time he teamed up with Joe Turner, giving lectures and teaching investment courses together at adult education programs before ultimately joining the Pring Turner Capital Group team in 2002. Tom’s strength is his old fashioned style of helping clients understand and navigate the investment world with confidence.

He is a career long investment educator and as a highly rated speaker is regularly invited to share his knowledge and experience about investing around the business cycle. Tom’s expertise and entertaining manner make him a favorite guest speaker at retirement groups. Mr. Kopas co-authored a book titled “Investing in the Second Lost Decade”, published by McGraw-Hill in 2012. Tom is a graduate of the University of California at Berkeley.

 
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