Financial planning · Tax advisory · Real estate consulting
Financial planning rarely arrives as a single problem. Taxes affect cash flow; property decisions affect risk; family obligations affect what flexibility is worth. The practice draws on disciplines Randall Stone has studied, practiced, taught, governed and lived—while keeping the engagement, assumptions, costs and regulatory scope clear.
Planning in real life
Planning is not an investment account with a family attached. It is the work of deciding what the money is for, what obligations come first, what risks can be carried, and what needs to remain possible later.
Tax returns, contracts, insurance, property records, estate documents, debt, cash flow and account information rarely arrive in one tidy package. They still have to tell one coherent story before a recommendation is worth much.
The client is part of the model
The firm’s own planning agreement calls for discussing a client’s goals, expectations, personal, family and community values, and risk tolerance. That is not soft material around the edges. It determines whether a technically correct plan is actually usable.
Connected practice
Engagements can be broad or narrowly defined. The categories help organize the work; they do not get to pretend the rest of the balance sheet disappeared.
Retirement, investments, education, cash flow, risk management, estate goals and implementation.
Explore planning →Preparation, projections, transaction review, estimates and representation informed by the rest of the financial picture.
Explore tax work →Investment analysis, development, feasibility, project budgeting, site selection, financing and public-finance questions.
Explore real estate →
Professional judgment has a history
Housing, budgets, transportation, accessibility and disaster recovery all make consequences visible. A financing choice affects a household. A land-use decision affects neighbors. A tax rule changes behavior. Years of public and community work reinforced the habit of asking who carries the result, not merely whether the spreadsheet balances.
The working conversation
A conversation changes an assumption. A late document changes the answer. Markets move and tax facts refuse to arrive in order. The discipline is keeping the reasoning visible enough that a client can see what changed, why it mattered and what to do next.
No mythology required. The tools are useful because the work is useful.
A built record
Randall and his younger brother helped develop a 38-unit affordable-housing community at 1197 East Eighth Street in Chico, replacing the former Pear Grove property. The project used affordable-housing finance, sat on a major transit corridor, incorporated accessible and adaptable features, and carried a 55-year affordability restriction.
The fuller history also includes resident relocation, neighborhood opposition, language-access concerns, financing risk and the difference between advocating for housing and actually building it.
Site selection, development reports, sources and uses, capital stacks, LIHTC, public finance, brokerage, teaching and public policy repeatedly crossed paths. That history is why real estate is treated here as part of financial planning rather than a detached transaction.
Real estate consulting →Disclosure
The current Form ADV brochure is available directly on the site, along with a direct link to the firm IAPD record.
Practice library
Deeper pages preserve the analysis, disclosure, media and client-service context that earlier public records kept trimming away.
Defined-scope modeling, sensitivity testing and decision memoranda.
Explore analysis →Rates, inflation, credit, housing, valuation and scenario planning without fortune-teller theater.
Open framework →Route ordinary messages and sensitive records to the right channel.
Client access →Housing, development and public-finance experience in the context where it was actually used.
Professional media →Current Form ADV plus the firm IAPD record.
Disclosures →Voice, text, privacy, STOP/HELP, and secure-document boundaries.
Communication preferences →Contact & communication choice
Email is always available. SMS is optional. Check the SMS consent box only if you want Randall Stone Financial to contact you by text; it is unchecked by default.
