Empowering you towards a better financial future and to make your own financial decisions with confidence
We provide simple, easy-to-understand financial education in:
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Life stage planning
We’re here to help you be financially prepared for every milestone in life, with education covering:
- Retirement planning
- Children’s higher education
- Managing family finances
- Setting up trusts and wills
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Investing in stocks, bonds and options
We can help you to invest in the stock market and to understand how to confidently trade across a large variety of asset classes.
- What are all the different types of liquid assets available to invest in?
- I’m already in the stock market, but I want to upgrade my skills.
- How to optimize an existing portfolio?
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Starting, acquiring or operating a business
Looking to buy a business or start one up?
We’re here to help you figure out if it is a good idea by helping you assess the potential based on income, assets, and market appeal.
Do you need financial support for an existing business?
We offer fractional CFO support and corporate accounting services.
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Real Estate investment
Seeking perspective on a real estate decision: Investment property, rental, secondary home, fractional ownership, house flipping?
We have international property experts to guide you to find projects, secure financing, manage properties, and navigate legal and tax complexities.
Book a free consultation
Save with the Annual Plan
Get your financials right. Ockham members have two monthly session for financial education and perspective on any topic(s) of their interest within our broad areas of expertise, and a 24/7 live text private chat for on-the-spot questions. This membership also includes access to our growing collection of educational lessons, workshops and exclusive content.
Ad-hoc plan for a specific topic that requires intervention. A series of 3 meetings over a period of a month to drive turnaround on your topic of choice, ensuring that you are empowered to take action on your most pressing concerns. Examples on how this plan is widely used include: education 401(k) IRA choices provided by your employer; act as a sounding board to assess specific portfolio choices within your stock investments.
"The simplest explanation is usually the best one."
William of Ockham
Our approach and unique benefits
Simplicity: We simplify the complex financial world.
Our approach is inspired by William of Ockham, a 14th-century philosopher who was always in the quest to find the simplest, most practical and pragmatic solution to complex problems. This principle is called Ockham’s razor, hence our logo!
Tailored education: We assess your unique profile with a proprietary risk tolerance survey (R.A.Z.O.R. Index).
Independence: Unlike most financial firms, we don’t manage your assets or sell financial products. We focus on developing your financial know-how so you can either self-manage your assets, or engage with your financial advisors from a position of knowledge.
Low Risk & Low Cost: Our consulting and education costs are fixed and don’t depend on your portfolio size. Flat-fee to learn from experienced trainers.
“We founded Ockham Finance out of my own frustration when I started my journey in Finance. I always felt that people in finance tend to explain abstract concepts, or advise in such a complex way that the audience ends up nodding without truly understanding what's being explained.
I believe that people should be comfortable managing their own finances, whether it's investing in the stock market, buying bonds, or choosing the right retirement plan based on their risk tolerance and budget. Imagine yourself buying stocks in your favorite brand or becoming an angel investor in a new startup!
My partners and I are here to offer you easy access to financial education and empowerment. Take the first step towards a more informed, hands-on financial future.”
Carolina Guedez
Our Experts and Partners:
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![Carolina Guedez]()
Carolina Guedez
Ockham Finance Founder. Expert in Life Stage planning and FP&L for Business consulting. Resided and invested in various cities across 3 continents. Extensive experience investing pension funds and plans in over 50 countries. Previously served as a Finance Director at a large S&P 100 company and as Fractional CFO for emerging private startups. Currently resides between the San Francisco Bay Area and Europe.
R.A.Z.O.R. Index = 40/100. Business and Life Stage conservative planner.
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![Javier Neves]()
Javier Neves
Expert in Life Stage Planning, Real Estate and Business operations. Extensive international and cross-border experience, speaks 7 languages and has resided and invested across 3 continents: Europe, South America, and three states in the United States. Executive experience in Fortune 50 public and private companies, including Strategy and Planning roles to ensure the long-range viability of investments. Currently resides between Los Angeles and Europe.
R.A.Z.O.R. Index = 60/100. Risk balanced & planner advisor.
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![Simon Benarroch]()
Simon Benarroch
Expert in Analytics and Technology applied to investing, real estate and business insights. Executive experience with over 20 years working for Procter & Gamble in consumer goods, and over 6 years for Visa in financial services. Expert in turning insights and analytics into business strategy and growth. Extensive international experience, having resided and invested in 8 different cities across 3 continents: Europe, South America, and three states in the United States. Currently resides between San Francisco Bay Area and Europe.
R.A.Z.O.R. Index = 70/100. High-risk, high-reward advisor.
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![Gabriel Ermoli]()
Gabriel Ermoli
Expert in international Real Estate and as an Angel investor in startup businesses. Has resided and invested in five different cities across three continents: Europe, South America, and North America. Has built extensive experience in commercial and residential property development, with projects in Houston, TX and more recently in Italy. Startup investor in Air and Space telecommunications, as well as other high risk markets. Currently resides in Milan, Italy.
R.A.Z.O.R. Index = 60/100. Hi/Lo Startups and Real Estate advisor.
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![Nicolas Perez]()
Nicolas Perez
Expert in international Real Estate consulting. Graduated from Columbia University. Experienced Real Estate investor in Europe, South America, and North America via managing REITs, family office and private real estate investment funds. Previously served in the International Development Bank in Washington, DC and worked since then in one of the "Big 4" Fortune 500 commercial real estate services companies. Currently resides in Lisbon, Portugal.
R.A.Z.O.R. Index = 40/100. International Real Estate advisor.
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![Reynaldo Guzman]()
Reynaldo Guzman
Expert in international Real Estate consulting. Studied in UC Berkeley, CA. Over twenty years of international experience in consulting and retail working for Procter & Gamble, McKinsey & Co., Louis Vuitton and Gucci. Experienced Real Estate investor in Europe, with properties across several Western Europe capitals. Speaks Spanish, English, French and Portuguese. Currently resides between Zurich, Switzerland and Lisbon, Portugal.
R.A.Z.O.R. Index = 50/100. Balanced Business and Real Estate advisor.
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![Ignacio Bernabé]()
Ignacio Bernabé
Ignacio is an expert in Real Estate, business operations, online businesses and tax optimization. Currently living in Madrid, has lived and invested in Switzerland, Luxembourg and Spain. He has a deep financial knowledge developing plans to secure long term income while limiting risks. He serves in the board of directors of a Real Estate company with operations in Europe and South America.
R.A.Z.O.R. Index = 50/100. Financial and Real Estate advisor.
Disclaimer
All communication and content developed and shared by Ockham Finance, its members and affiliates, is solely intended for financial educational purposes. It should not be misconstrued as financial advice. Unless they have a high degree of financial education including understanding and accepting investment risks, we strongly recommend that our customers seek professional financial advice tailored to their specific circumstances, before making any financial decision.