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    • Janet Barr, MS, ChFC, CLU
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Clarity

Seeking a clearer financial vision

A Woman's Voice

Guiding you through the process 

Freedom

Taking control of your happiness

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A Woman's Voice

My mission is to provide financial planning and investment advice that creates a more empowered client and stronger generation of women. Honesty, integrity, authenticity, and accessibility are the cornerstones of my work. My independence as a hybrid advisor is a part of upholding the fiduciary standard–doing what's best for the client. Through educational and informative advice, we will work together towards building a strategy for a better future for yourself and your family.

 

Fee Only Consulting

Beyond the scope of full management, Wealthcare Partners of Santa Barbara  offers fee-only services such as...

Consulting: Hourly-based consulting to address specific financial planning requests.* This service is typically used for divorce settlement planning, second-opinion portfolio analysis, and comprehensive planning without asset management or product placement.

Flat/Project Case: Comprehensive planning for limited and specific cases; fees range from $750 to $15,000 (negotiated in advance). 

*Billed at $250/hour through 12/31/21

 

The Wealthcare Difference

As a female advisor, I bring a different voice to the table. I educate my clients, listen to their needs, and seek to provide them with an appropriate investment strategy and financial plan. We work with accounts of all sizes, especially as you work your way towards $1 million (it's okay to have less to work with us). We strive to make a difference in our client's lives–your goals are our goals. Live your dream!

 

Portfolio Management

Knowledge is power! It's important to know what you own, which is why I offer a complimentary second-opinion and risk analysis. Wealthcare Partners of Santa Barbara prides itself as a retirement and investment specialist. Learn how the power of our fee-only or fee-based portfolio management can help you look towards low-cost, smart beta passive strategies and how they can work for you.

No strategy assures success or protects against loss*

 

Retirement Planning

Waves of Baby Boomers are beginning to seek out competent advice and guidance as they enter into retirement age. I am ready to take on these clients, specializing in planning for those nearing or already in retirement.

 

Women in Transition

Managing your finances on your own is difficult, but it doesn't have to be! Whether you are single, divorced, or transition from the loss of a loved one, we believe you deserve the guidance to help you through the tough financial decisions. We are trained to answer these questions and more for men and women in the process of divorce, and to provide litigation support for their attorneys (which can help them settle their case).

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EXPERIENCE

As a Chartered Financial Consultant (ChFC), focus on the comprehensive financial planning process as an organized way to analyze information on a client's total financial situation. Since its inception in 1982, more than 41,000 men and women have met the educational, experience, and ethics mandates needed to earn the ChFC designation.

The Chartered Life Underwriter (CLU) represents five percent (5%)2 of those in the financial services. Assist with individual and business financial planning concerns such as selecting life and health insurance, estate planning, and retirement planning. There are extensive educational, experience, and ethical requirements.

 

University of California, Santa Barbara, CA 1991 

Bachelor of Arts (BA)

American College, Bryn Mawr, PA 2001

Chartered Financial Consultant (ChFC)

American College, Bryn Mawr, PA 2005

Chartered Life Underwriter (CLU)

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Latest Blog Posts

How to Finance Your Dream Car
Mar 12, 2022 by Collaborative Financial Solutions

Car ownership is necessary for many of us to get around, especially for those who live far from public transportation. While you may choose to drive something practical for your everyday commute, errands and travel, you probably have dreams of driving a car that’s fun, sporty and luxurious. Owning an expensive luxury or exotic vehicle may seem out of reach, but there are financial options available to make your dream a reality. Here are some ways you can finance and save for that...

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Explaining the Benefits of a 401(k) to Young Adults Entering the Workforce
Mar 12, 2022 by Collaborative Financial Solutions

If you have a child graduating from high school or college and entering the workforce, they may have the opportunity to open up a 401(k) through their new employer. In some cases, that employer will also offer matching contribution funds up to a certain percentage. While it sounds like a no-brainer to take advantage of these benefits early,many younger employees do not participate in their employer's 401(k) plan. 

It’s essential to teach your children the benefit of...

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Should You Retire at the Same Time As Your Spouse?
Mar 12, 2022 by Collaborative Financial Solutions

If you and your spouse are making plans to retire, you’re probably wondering whether it’s a good idea to retire at the same time. Many couples go through the same thought process and, in fact, one in four couples quit their jobs within a year of each other. But retirement is a decision that should be carefully thought out. Here are some things to consider when deciding whether to retire at the same...

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5266 Hollister Ave. #325, Building C
Santa Barbara, California
93111 United States

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  •  Tel: 805.965.0101
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  •  Janet@janetbarrcfs.com
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Janet Barr is a Registered Principal with and securities are offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Wealthcare Advisory Partners dba Collaborative Financial Solutions, LLC a registered investment advisor.

Collaborative Financial Solutions and Wealthcare Advisory Partners are separate entities from LPL Financial. The LPL registered representatives from Collaborative Financial Solutions, may only discuss securities or transact business with persons who are residents of AZ, CA, MO, MT, OH, OR, PA, TX, VA, and WA.

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