Meet Our Team

Elizabeth Revenko, CFP, is a senior financial planner at Mosaic Financial Partners, a wealth management firm in the San Francisco Bay Area.

As a financial planning professional, Liz is passionate about helping her clients live for today and build and protect resources for a thriving future. She uses her analytical skills and communication talents to explore complex situations so that her clients can have ease and clarity as they decide among the options available to them.  

She is a thinking partner for life’s twists and turns. She specializes in helping clients strategically build their wealth during earning years—and then simplify the complexities of using retirement assets such as Social Security, retirement account distributions, pensions, deferred comp, stock options, and Roth conversions. She has developed a firm-wide recommended portfolio withdrawal rate program after extensive research and analysis on retirement planning services.

Liz started her career teaching middle school, went on to earn graduate degrees in both business and economics and has held positions in global corporate finance, economics, and the nonprofit sector. In addition, Liz is an award-winning author of humorous mysteries.

She believes in empowering women to get connected with their financial decisions. She and colleague Mary Ballin founded Mosaic’s Women's Circles, monthly gatherings where women come together to ask questions, explore their relationships with money, and learn from each other’s experiences.

Specialties

  • Retirement Income Planning
  • Women
  • Engineers/scientists

POSTS BY Liz

In The News

MarketWatch / December 12, 2017

9 New Years resolutions for the nearly retired

If youre planning to retire in 2018, Alessandra Malito's roundup of retirement advice for MarketWatch might serve you well as a list of New Years resolutions. Liz contributes the very first: make a plan for what to do with your free time, before you retire.  

Liz Revenko, senior financial planner at Mosaic Financial Partners, suggests mapping out a standard week in retirement—write out what your seven days, morning through night, will look like, adding activities you enjoy and people you like being with. “Resolve to plant seeds now to step into a vibrant retirement, rich with purpose and choice,” she said.

Syndicated to Yahoo Finance and to FoxBusiness.com.

 

Investopedia / December 12, 2017

Individual 401(k) or SEP IRA: Which is Better?

Liz dives into retirement planning perks for the self-employed among us. Besides setting the dress code at jammies,” you can contribute to the retirement vehicle of your choice. She outlines the pros and cons of your top options, and offers a few suggestions along the way. 

Note: pajamas are optional. Originally posted on the Mosaic blog

 

Vim & Vigor / Winter 2017

Planning for Peace of Mind

Stephanie Thurrott interviews Liz on health care documents and end-of-life planning in her piece for the Winter issue of Vim & Vigor magazine, which also syndicated to Living Well magazine

Here's a highlight from the article:

“People think if they’re not sick, they don’t need this, but these plans come into play when you are unconscious or unable to understand or communicate,” says Elizabeth Revenko, a certified financial planner and a member of the Financial Planning Association. “This gives you the chance to say what you want, not to have someone else make these decisions for you.”

 

Business Insider / September 30, 2017

Beyoncé and Jay-Z bought their $88 million Bel Air estate with a little-known mortgage strategy anyone can use–but probably shouldn’t

A 2016 article Liz wrote for NerdWallet is referenced in this  piece for Business Insider on Beys house. Interest-only mortgages can be a great tactic, but only for some of us (probably only for those of us who have a large amount of liquid wealth). 

 

CNBC / August 11, 2017

Couples Arent the Only Ones Overspending on Weddings

Weddings can be costly, and these hefty price tags arent fun for the whole family. Often parents of the bride and groom pony up more than they mean to, which can be detrimental for their retirement nest eggs. As Liz told CNBC writer Kelli Grant:

Overspending now so that your child has to help you financially in retirement is not a gift any bride or groom really wants. If that happens, it’s not a gift—it’s a loan with heavy interest.”

 

Forbes / July 31, 2017

34% Of Entrepreneurs Have No Retirement Savings Plan

Small business owners aren't planning for their futures; Liz contributes a tax-related tip to writer Kate Ashfords article about tips for the hyper-focused entrepreneurs who need to start thinking about their long-term financial plan:

“One mistake I see self-employed business owners making is trying to get their taxes down as close to zero as possible,” says Elizabeth Revenko, a financial planner in San Francisco, CA. “If your reportable income for Social Security is very low year after year, come retirement time, you may be forgoing a significant portion of a Social Security income stream that you could have benefited from.”

 

Investopedia / December 21, 2016

How to Give Tax-Saving Gifts Before the Year Ends

Gift stock; donate IRA distributions; give through a donor-advised fund; give 529 plans... what do all of these giving tactics have in common? Liz shares tax smart insights garnered from a recent Womens Circle. Originally published on the Mosaic blog

 

U.S. News & World Report / December 16, 2016

12 Money Moves to Make in 2017 to Retire Happy

The first step to a happy retirement in the future: committing to a financial resolution in the present. Maryalene LaPonsie outlines 12 practical actions you can take now to ensure a pleasant tomorrow, and Mosaics Liz Revenko contributes quite a few ideas, such as diversifying your retirement income, ensuring that your retirement fund sources don't all carry the same tax.

 

Country Living / November 8, 2016

10 Ways to Celebrate Christmas Like Our Grandparents Did

Its the most wonderful time of the year... and also, usually, the most costly. Writer Arricca Sansone lists cost-effective ways to deck the halls with holiday warmth that wont break the bank. Our own Liz Revenko shares insights, and memories of a certain mouse head ornament.

 

Investopedia / November 15, 2016

Finding Balance in Your Financial Partnerships

Fair isnt necessarily equal, but fair is fair. How do you reach an even keel when it comes to the financial aspects of your personal relationships? Liz shares insights garnered from a recent Womens Circle. Originally published on the Mosaic blog

 

Investopedia / October 11, 2016

Healthcare Documents You Need In Place Right Now

Liz outlines several incredibly helpful documents to help individuals prepare for compromised health. Originally published on the Mosaic blog

 

MarthaStewart.com / June 28, 2016

Ready for Retirement: 10 Easy Ways You Can Be Saving

Arricca Sansone outlines 10 easy ways to break down retirement saving into small steps, and Liz Revenko weighs in by providing  three of the easiest: don't waste your employee benefits, make spending painful by paying with cash, and plan ahead for windfalls (such as bonuses, raises, tax refunds, and rebates). Of unexpected cash, Liz says:

Learn to divide it into percentages for fun, for paying debt, building your emergency fund, and investing. That way you'll enjoy it and be responsible at the same time. This helps you learn balance in learning for today with saving for tomorrow.

 

NerdWallet / June 7, 2016

Interest-Only Mortgages Making a Comeback - and Sometimes Make Sense

Are you considering refinancing to an interest-only mortgage? Liz wades in, noting the pros, cons, and history of the loan, in her trademark comprehensive style. Liz reminds readers to do their research and ensure that they are taking a calculated risk with a product that fits their situation, while mitigating the risk of being unable to refinance or afford payments down the road, either by paying down prinicpal or by planning to sell the home within a few years.

This article can also be seen on LinkedIn.

 
Nerdwallet / April 5, 2016 

6 Ways to Combat Bag Lady Syndrome

Extreme anxiety over finances is common enough among women that it has been dubbed bag lady syndrome. Liz outlined a battle plan that can help women unpack those bags.

This article can also be seen on LinkedIn, where it has garnered 12,000 views, 860 likes, and 60 comments.

 

Nerdwallet / December 9, 2015

Umbrella Insurance Can Protect You From a Financial Catastrophe

Things unexpected and absurd can derail your finances. Relatively cheap insurance can protect you. Here’s the how, the what, and the why.

 
Morningstar / September 6, 2015

Is the ‘Fourth Leg of your retirement stool wobbly?

Elizabeth Revenko was quoted by John F. Wasik in this article about investors can no longer rely on home equity growth as part of their retirement plans.

Originally posted on MorningStar.

 
CNBC / August 17, 2015

From ‘buckets to ‘paychecks, advisors explain portfolio tacks

 

Directions for Women / January 20, 2015

Why Are Women’s Circles So Effective?

 

Mosaic Financial Partners, video

Fun with Property and Casualty Insurance: Tips, Tools and Tales 

Biography

Education

BA, Biology; Minor, Economics, Wellesley College

MBA, San Diego State University

MA in Economics, UC Santa Barbara

Certificate with Distinction, Personal Financial Planning, UC Berkeley

Accreditation

CFP® Certification

Series 65