Individuals & families
Retirement, tax planning, investment decisions, property, transitions and decisions that affect more than one generation.
Remote financial planning · Nationwide federal tax work · Real estate finance
Financial decisions do not happen in isolation. Neither should your planning.
Work remotely with one adviser who can connect taxes, investments, real estate, retirement, organizations and the people responsible for them.
Secure video and phone meetings are routine. Financial-planning availability follows state-registration requirements; federal Enrolled Agent services are available nationwide.
Independent RIACalifornia-registered advisory practice
Enrolled AgentFederal tax credential
Finance + EconomicsCSU Chico undergraduate study
MPA with DistinctionPublic administration & public finance
Who I work with
People and organizations whose decisions cross professional lines.
The best fit is not a job title or account size. It is a situation where tax, money, property, contracts, ownership, risk or public purpose overlap—and someone wants the tradeoffs made explicit.
Real estate professionals
Agents, brokers, investors, developers and property owners working through transaction, financing, tax and portfolio consequences.
Insurance professionals
Agents and advisers who need financial or tax analysis around coverage, business succession, compensation or client coordination.
Builders & contractors
General and specialized contractors facing cash-flow, entity, equipment, real-estate, retirement and owner-compensation questions.
Attorneys & other advisers
Defined financial analysis, tax coordination, document review, litigation support and work that needs to fit beside legal advice.
Nonprofits & charitable entities
Organizations, board members and leaders navigating budgets, reserves, governance, public purpose, property and financial accountability.
Start with the decision, not the service list
What are you trying to decide?
Choose the situation that sounds closest. Each path gives you useful questions and evidence to gather before a meeting is necessary.
I am approaching retirement.Withdrawals, taxes, Social Security, risk and cash flow
Start by separating spending needs, tax accounts, guaranteed income, insurance, liquidity and the decisions that have deadlines.
Explore retirement decisions →I am selling a home or other property.Gain, basis, exclusion, depreciation and cash after closing
Identify the purchase, improvement, occupancy, rental and sale records needed before the actual basis and tax calculation can be scoped.
Check the basis-file readiness →I received an IRS letter.Notice number, response date, records and representation
Preserve every page, identify the controlling deadline and separate what the notice says from the facts and records you have.
Explore IRS notice help and representation →I want to spend less on taxes.S corporation, retirement plans, Roth strategies, 529s and family employment
Screen the strategies against entity, payroll, existing accounts, employees, cash flow, deadlines and the rest of the financial plan before choosing one.
Explore tax-saving opportunity questions →Not ready for a meeting?
That is a perfectly useful place to begin.
Use the ungated readiness checklist, calculators and public-record research desk. If the issue becomes defined enough for advice, the permanent scheduling route is waiting.
Connected decisions
The useful answer rarely fits one box.
Choose a discipline to see how a decision crosses the boundaries between financial planning, tax strategy and real estate.
Retirement timing
Income decisions change more than the portfolio.
Withdrawal order can affect taxable income, Medicare premiums, cash reserves, investment risk and whether a property decision remains available later.
Explore financial planning →A built record
Housing made theory concrete.
Bidwell Park Apartments is not presented as a trophy. It is a record of the connected financial, public and human decisions required to turn an idea into 38 affordable homes.
01 · The vision
Replace a failing property without ignoring the people already there.
Site selection, resident relocation, neighborhood concerns, language access and a major transit corridor were part of the development problem before financing could solve anything.
02 · The capital stack
Make public purpose survive private arithmetic.
Development reports, sources and uses, project budgeting, Low-Income Housing Tax Credits and public finance had to support a project that could actually be built and operated.
03 · The concrete result
Thirty-eight homes with a 55-year affordability restriction.
The completed community incorporated accessible and adaptable features. The experience is why real estate is treated here as part of financial planning rather than as a detached transaction.
Explore real estate consulting →Proof you can inspect
Credentials, records and completed work—not testimonials.
Federal tax authority
Randall Stone is an Enrolled Agent admitted to practice before the Internal Revenue Service.
Tax scope and IRS representation →Public advisory record
Randall Stone Financial is a California-registered investment adviser. The current Form ADV and firm IAPD record are linked directly.
Verify disclosures and CRD 142729 →Built and governed experience
Affordable-housing development, public finance, board service and elected work are documented through the linked vita and source archive.
Review the professional record →Disclosure
Clear scope, clear compensation, public records.
The current Form ADV brochure is available directly on the site, along with a direct link to the firm IAPD record.
Choose the scope—not a bundle
Pay for the work you actually need.
A planning question does not automatically become wealth management. A tax notice does not require a comprehensive plan. The scope and fee are agreed in writing before work begins.
Hourly or narrowly defined advice
Useful for a second opinion, transaction review, focused analysis, attorney coordination, a tax issue or another bounded assignment.
Fixed or project-based scope
When the deliverable and assumptions can be defined in advance, the engagement can be limited to that project rather than an ongoing relationship.
Planning and advisory work
Ongoing planning or investment-advisory services are available when monitoring and implementation are actually part of the need.
Preparation, planning or representation
Tax preparation, projections and IRS representation can be scoped separately from investment-advisory services.
Fees vary with complexity and scope. The written engagement controls. Comparable services may be available elsewhere for lower fees. Review Form ADV and compensation disclosures →
How it works
Three steps from a complicated question to a defined next move.
- 01
Describe the decision
Use the inquiry form or schedule a conversation. Explain the question, deadline and people affected—but do not send confidential documents yet.
- 02
Define the scope and fee
Choose only the work you need: hourly advice, a defined project, tax work or an ongoing relationship. Scope and compensation are confirmed in writing.
- 03
Work remotely
Meet by secure video or phone. If documents are needed, you will receive an approved secure channel and a clear list of deliverables and next steps.
Short answers
Questions before you begin.
Start small. The first step is to identify the decision and whether the work is a fit.
Do I need to be in Chico?
No. Routine meetings are remote by secure video or phone. Financial-planning availability follows state-registration requirements; federal Enrolled Agent services are available nationwide.
Do I have to sign up for wealth management?
No. Hourly advice, a defined project, tax-only work and ongoing advisory relationships are separate options. You can engage only for the scope you need.
Who is a good fit?
Individuals and families, real estate and insurance professionals, builders and specialized contractors, attorneys and other advisers, and nonprofit or charitable organizations—especially when tax, money, property, contracts or public purpose overlap.
Can Randall represent me before the IRS?
As an Enrolled Agent, Randall Stone is admitted to practice before the IRS. Representation depends on the notice, deadline, records and an accepted written engagement.
Should I upload tax returns or account statements here?
No. Do not send Social Security numbers, account numbers, tax documents or other confidential records through the public form. If the work proceeds, you will receive instructions for an approved secure channel.
How will I know what the work costs?
The scope and fee are agreed in writing before services begin. Fees depend on the assignment and may be hourly, fixed or project-based, tax-specific, or ongoing as described in the applicable agreement and disclosures.
Useful now
Start with a question, not a sales call.
Tax notice helper
What does this IRS or FTB letter mean?
Look up common IRS CP and letter numbers, California FTB DLNs and return-change paragraph codes without uploading a tax document.
Interpret the identifier →Property-sale taxSelling a home—what determines the possible tax?
Check whether the basis, improvement, occupancy, rental and sale records are ready for the actual calculation.
Check basis readiness →Tax-saving reviewWhich opportunities actually fit?
Screen S corporation, retirement, Roth, 529, family-employment and property strategies against the facts.
Explore the planning questions →CalculatorsRun the numbers
Time value, payment, retirement and decision-readiness tools collected in one place.
Open calculators →Decision frameworkRead the market outlook
Rates, inflation, credit, housing and valuation—organized as scenarios rather than predictions.
Open the framework →Planning worksheetOrganize the decision
Define the question, deadline, alternatives, documents and people affected before paying for advice.
Use the organizer →Free IRS-letter checklist
First: do not panic. Second: do not miss the date.
Get the short checklist for preserving the notice, identifying the response deadline, protecting sensitive information and preparing an efficient first conversation.
- No tax documents uploaded through this form
- No obligation to hire Randall Stone Financial
- Federal Enrolled Agent services are available nationwide
Start a conversation
Tell me the decision—not which package you think you need.
This form submits directly to Randall Stone Financial. It does not open your email program. Do not include confidential documents or account identifiers.