David C. Palshaw, CFP^®

MBA,

President

Monterey Bay Asset Management, LLC

380 Foam St., Suite 220
Monterey, CA 93940

FINANCIAL ADVISOR'S WEBSITE

www.montereybayasset.com

(831) 277-0364

Compensation

COMPENSATION METHODS

Fee Only

COMPENSATION CONSIDERATIONS

Fees are negotiable and may be lowered at the discretion of Monterey Bay Asset Management.

Minimums

HOUSEHOLD INCOME MINIMUM

No Minimum

Investable Asset Minimum

No Minimum

General

David Palshaw is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at Monterey Bay Asset Management, LLC in Monterey, CA and the surrounding communities.

Financial Advisor Overview

The investment advice and services provided by Monterey Bay Asset Management to its clients vary, depending on each client’s needs, objectives and circumstances. Factors affecting the tailoring of client portfolios include client investment horizon, risk tolerance, tax sensitivity, estate or trust issues, concentrated stock positions, and other constraints.

Our services typically include the design and implementation of a custom asset allocation, portfolio monitoring, regular reporting, performance analysis and periodic rebalancing. Investment management is provided on a discretionary basis, however trades are generally discussed with clients in advance before they are placed, unless the client requests otherwise.

Financial Advisor Experience

Monterey Bay Asset Management, LLC is a Registered Investment Advisor and 100% fee-only fiduciary, providing investment management advice to individuals, professionals, and business owners. The company is dedicated to providing customized solutions and objective advice to its clients.

Our compensation is on a strict fee-only basis – we do not receive sales commissions, and have no monetary incentive to select certain products for clients over others. This helps us avoid conflicts of interest, and enables us to provide advice and make decisions in the best interests of our clients.

David Palshaw, founder and president, holds a BA in History from Dartmouth College and an MBA in Finance from the University of California, Davis Graduate School of Management. A CERTIFIED FINANCIAL PLANNER^™ professional, David is an active member of the Financial Planning Association of Northern California, with more than two decades of experience helping individuals achieve their financial goals.

David lives in Corral de Tierra with his wife of 20+ years, Natalie, and his two teenage children, Jacquie and Josh. He enjoys traveling, watching his kids play sports, playing water polo, and swimming with his chocolate lab, Jade.

Financial Advisor Certifications

Securities Registrations or Exam Qualifications

65, 66

Designations & Certifications

CERTIFIED FINANCIAL PLANNER™ (CFP^®)

Broker-Dealer Affiliation

None/NA

Broker-Dealer Disclaimer

Financial Advisor's Specialties

Comprehensive Financial Planning, Attending College, 401(k)/403(b)/IRAs, Charitable & Planned Giving, Asset Allocation, Investment Management, Estate Planning, Getting Divorced, Mutual Funds, Life Planning, Retirement, Stocks & Bonds, Sudden Wealth, Nontraditional Households, Women's Finances