Where Financial Planning Gets a Little More Human.
Lanning Financial specializes in helping professionals in the San Francisco Bay area and the Greater Salt Lake City area plan for Phase 3 (retirement), their kids’ college educations, their next start-up business idea, taking care of their relatives, or taking that long-awaited sabbatical.
Your Personal CFO, Jessica
Meet Your Financial Thinking Partner
Yes, I’ve got the JD and CFP® credentials behind my name, but that’s not why people hire me.
My job is to provide clear, practical financial advice and leadership for you and your family, with a down-to-earth, tell-it-like-it-is approach. You won’t get jargon-heavy lectures or complicated theories from me. Instead, you can expect real conversations, thoughtful advice, and probably a laugh or two along the way. My goal is always to make your life easier.
I believe in starting wherever you are in life right now, doing the absolute best with what you’ve got, and making mid-flight corrections often enough to stay on course. Because ultimately, your money should help you live a life that brings joy and meaning to you.
Financial Guidance for Your Life and Big Decisions
Financial Planning
Expert guidance to optimize your financial well-being
Investment Planning
Customized investment plans for your needs
Phase 3 Planning
Personalized Phase 3 solutions for a secure future
Expert Partners Who Help Power the Work
Rachel Vose
Rachel serves as Lanning Financial’s operations manager and customer service specialist. With a background in tax preparation and client service
in the insurance industry, she brings both technical knowledge and a thoughtful, client-centered approach to her work.
From managing daily operations to making sure every detail is buttoned up behind the scenes, Rachel helps ensure things run smoothly from start to finish. She’s also known for her warmth and reliability, something our clients can feel in every interaction. Based in Southern California, Rachel enjoys spending time with her family and making regular visits to Disneyland,
her happy place.
Heather Dumitru
Lanning Financial works with Heather Dumitru at Busy Bee Business Consulting LLC for operations and administrative support. With nearly a decade of experience in financial services, Heather brings a rare blend of operational expertise and a heart for service. Her professional journey began in education, where she worked closely with special needs children, an experience that shaped her deep empathy and commitment to helping others thrive.
Heather has developed a strong specialization in the operations and administrative management of financial planning firms. From streamlining workflows to implementing systems that keep firms running smoothly, she ensures the backend of the business supports outstanding client care on the front end. She’s also a natural trainer, equipping team members with the tools and skills they need to support advisors so they can focus on what they do best: serving their clients.
Carrie Jones, CFP®
Carrie Jones supports Lanning Financial as a planning specialist, offering behind-the-scenes expertise to help shape thoughtful, comprehensive financial plans. With more than 20 years of experience in the financial services industry, Carrie brings a sharp eye for detail and a deep understanding of how all the pieces fit together.
She collaborates closely with Jessica to develop plans that are practical, clear, and aligned with each client’s goals, without offering investment advice or working directly with clients. Carrie’s favorite part of this work is digging deep into the numbers to help uncover what matters and making sure the final plan supports the life the client wants to live.
From Attorney to Your Financial Guide
I didn’t start my career planning to become a financial advisor. Initially, I practiced law, helping clients untangle complicated legal problems. It didn’t take long to see that many of their struggles weren’t legal, but financial.
That insight led me first to mortgage consulting, where I helped people navigate big decisions about buying homes and managing debt. But mortgages were just one piece of the puzzle. People needed to understand their whole financial picture without feeling overwhelmed.
That’s why I earned my Certified Financial Planner (CFP®) credential and shifted my focus fully to financial planning. For the past decade-plus, I’ve dedicated myself to helping clients understand their money in a broader context, connecting the dots between their finances and the lives they truly want.
After 25 years, I’ve learned that real financial success happens when you have clarity, simplicity, and genuine confidence about your financial decisions. It’s all about feeling informed, in control, and ready for whatever comes next.
Start with the Right Questions
A good financial plan starts with a clear view of your life.
This short guide includes 10 questions I ask in real planning conversations. They help you reflect on what’s working, what’s changed, and what deserves your attention next.
You don’t need spreadsheets or formulas. Just a few honest answers and a quiet moment to think.
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Lanning Financial Difference
Personalized, Practical, and Always On Your Side
DOWN TO EARTH
We make complex concepts simple so that you know what’s happening and why it matters.
PRACTICAL
Forget generic advice. We tailor strategies to your unique situation, focusing on clear, actionable steps that make sense right now and in the long run.
ACHIEVABLE
Big goals shouldn’t feel out of reach. We’ll help you break them down into manageable steps and create a practical roadmap that will make progress feel possible and rewarding.
SUPPORTIVE
You’re not in this alone. I’m here for guidance and encouragement at every turn, whether you’re navigating a major life change or just need a quick check-in.
