Finally, the Financial Thinking Partner You've Always Wanted
Lanning Financial helps professionals and self-made Real Estate Investors 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 guidance 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 as needed 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 Big Life Decisions
Financial Planning
Expert guidance to optimize your financial well-being
Investment Planning
Customized investment plans for your needs
Life's Third Chapter
Plans to help you feel secure and excited for what's next
Expert Partners Who Help Power the Work
Financial planning isn’t a solo act. I collaborate with trusted professionals and vendors who help ensure everything runs smoothly, from behind-the-scenes plan development to day-to-day client support. While I’m your main point of contact, here are a few of the people helping make it all happen:
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 works with Lanning Financial as a planning specialist, offering behind-the-scenes expertise to help shape thoughtful, robust 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. She does not offer investment advice or work 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
Guidance and leadership have always been part of who I am. A high school friend recently messaged me out of the blue on Facebook and said, “You’ve always been the one giving people great advice. I love that you’re doing financial planning now. So perfect for you.”
She was absolutely right.
I didn’t start in finance. I began my career as a maritime law attorney (of all things!), helping claims adjusters decide whether to pay claims. Case after case, I saw that the real decisions were more financial than legal. I often found myself advising clients on when to spend wisely or when to stop spending altogether.
Law wasn’t the right fit. (I probably should’ve quit law school, but ask any lawyer how that contemplation goes.) When the time was right, I shifted gears, got my real estate broker’s license, and built a successful team helping families navigate the biggest purchase and debt decision most of us ever take on, buying a home.
Even in that context, I was providing advice beyond the mortgage. To help clients see their bigger financial story, I earned my CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and moved into financial planning. For over a decade, I’ve helped individuals and families connect their money to the lives they want to lead.
Today, my mission remains the same, to offer clear guidance, build confidence, and help every financial decision feel grounded and intentional. After 25 years of solving complex problems, I’ve learned that real financial success isn’t about math or magic. It’s about clarity, simplicity, and the confidence to move forward.
Start with the Right Questions
A good financial plan starts with a clear view of your life.
Get your short guide with the 10 questions I ask in real planning conversations. They help you reflect on what’s working, what’s changed, and what deserves your attention. 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 sure you have all the information you need in a way you can understand it, so 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
You've done all the right things. Now you just need to fine-tune what happens next and what happens after that. We're big believers in baby steps that lead up to the post-work life you want.
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.
