Photo: FVBP

Elfrena Foord, Carol Van Bruggen, and Laura Pajak, all CERTIFIED FINANCIAL PLANNERS™ practitioners, have been working together since 1986.

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 work toward 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 3 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 all have been president of the local chapter of the Financial Planning Association. 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 Foord, Van Bruggen & Pajak have a sincere desire to provide financial confidence to our clients and those with whom we are asked to consult.



1900 Point West Way, Ste 190
Sacramento, CA 95815

(916) 487-8700