About Us

FVBEP Firm ImageIn 1986,  Elfrena Foord, Carol Van Bruggen, Chuck Ebersole, and Laura Pajak, all CERTIFIED FINANCIAL PLANNER™ practitioners, joined together to create the firm Foord, Van Bruggen, Ebersole and Pajak Financial Services. 

Our mission is to provide personal financial planning services which enhance our clients’ quality of life.  We created a process called The Wealth & Beyond Program. It is a system that provides clarity, confidence, and contentment to our clients.  Over the years, we have helped hundreds of people attain and retain lifetime financial independence.  As independent fee-based advisors, we start by helping clients define what’s most important to them. We then address the many key areas of financial planning:  protecting net worth through risk management, growing net worth with sound investment strategies, creating dependable income to support a desired lifestyle and using debt prudently.  In addition, many clients have been assisted in creating strategies for transferring wealth to loved ones or causes they care deeply about through legacy and estate planning.

Loyalty, stability and consistency are important values to us.  A testament to this is that the 4 partners have been together since our founding at our offices at 2255 Watt Ave. in Sacramento.  All partners are CERTIFIED FINANCIAL PLANNER ™ practitioners which are certified by the Certified Financial Planner Board of Standards in Denver, Colorado.  We follow the Code of Ethics of that group.  We have taken leadership positions in our own local professional associations and have been president of either the local chapter of the Financial Planning Association or the Estate Planning Council.   We have been active in the community and have served as leaders in local community non-profit groups. We have co-authored three financial books, “The Survival Guide for Heirs,”  “The Business Owner’s Retirement Plan Survival Guide” and the newly published “It’s Not About Your Money, It’s About Your Life.” The firm was awarded the Community Service Planning Council’s “Reach out and Touch” award in 1990.

All of the partners and staff at FVBEP have a sincere desire to provide financial peace of mind to our clients and those with whom we are asked to consult.

Liz Hatch
Liz Hatch, our receptionist, is the first voice and face you’ll see when you call or visit our office. People enjoy calling our office just to hear her warm, melodious voice. Liz enjoys people and it shows.