Elfrena Foord has a unique combination of skills – She used to work as a CPA and has a Masters degree in Social Work. She combined the two to work with people and their money as a CERTIFIED FINANCIAL PLANNER ™ in 1983. Her 30+ years as a CFP® have earned her recognition in 1998 Worth Magazine’s Top 300 Financial Advisors’ List.

Carol is a CERTIFIED FINANCIAL PLANNER™ Professional, and has been a consultant to Business and professional clients for over 26 years. She has co-authored three books with her financial partners the latest being one sharing the experiences of their clients as they worked to become comfortable with wealth and create clarity, confidence and contentment around their money.

Laura Harger Pajak, a CERTIFIED FINANCIAL PLANNER, has been helping clients reach their financial goals for over 30 years. Laura earned a degree in economics from UCLA. In addition to serving her clients, Laura has been active in her community, educating people about their money. She has spoken to groups, taught classes and written articles on the subject of money management. She is a past president of the Financial Planning Association of Northern California and the Rotary Club of East Sacramento.



1900 Point West Way, Ste 190
Sacramento, CA 95815

(916) 487-8700