About Us
Napa Valley Financial is a multi-generational advisory firm serving business owners, professionals, and families throughout the West Coast. Our professional team brings together vast and diverse strengths, knowledge and perspectives that serve clients at every stage of life.
As fiduciaries to our advisory clients, we provide investment advice, our goal is simple: to act in your best interest, communicate with you clearly, and help you make informed financial decisions today, and in the future.
We help to ensure that every piece of your financial life - from planning and investments to tax planning and insurance - work in sync toward what matters most to you.
Our Story
Napa Valley Financial Principals, Mark C Richmond, CFP®, Joshua Ingram, AAMS®, and Cody Barclay joined together to offer clients something greater and long-lasting. As multi-generational advisors, we set out to build a firm that delivers a collaborative, efficient, and comprehensive wealth management experience for every stage of life.
By combining resources and expertise, we are able to provide economies of scale, greater capacity, and a family focused office style of service designed for today’s families of wealth, and business owners and professionals.
Rooted in Northern California and the West Coast, our culture is built on community, connection, and giving back - values that guide both how we serve our clients and how we live.
Who We Serve
At Napa Valley Financial, we serve business owners, professionals, and families seeking an approach to managing the complexities in their financial lives. Whether preserving family wealth, maximizing income, or preparing for a business sale or succession, we provide structured, collaborative strategies designed for confidence and continuity.
For Business Owners
Understanding what your business is worth is the foundation of smart planning - yet most owners only find out when it’s time to sell. Through our referral network, professionals can provide access to business value estimates to help you measure your company’s true value today, identify opportunities to strengthen it, and prepare for a more confident future transition.
Disciplined. Thoughtful. Purposeful.
That’s the Napa Valley Financial approach.
We take the time to understand what matters most to you - then build a plan designed to help keep your financial life organized, intentional, and on track.
FAQs
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How can Napa Valley Financial help manage wealth across multiple generations?
We take a family-focused approach that brings together financial planning, investment management, tax, and estate strategies under one coordinated process. Our multi-generational team helps align the needs and goals of each generation, so your family’s wealth can be preserved and transferred with clarity and purpose.
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How do you work with other professionals, like our CPA or estate attorney?
We regularly collaborate with your trusted professionals to ensure all aspects of your financial life work together - reducing overlap, identifying opportunities, and creating a unified plan that supports your family’s long-term goals.
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What makes Napa Valley Financial's approach different for families of wealth?
We offer the resources and structure of a family focused-office style of service, but with a personalized approach and ongoing communication. You’ll always know where you stand, what’s happening with your plan, and how your wealth strategy is evolving over time.
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How can Napa Valley Financial help me reduce taxes on my income and investments?
We focus on proactive tax planning - coordinating with your CPA to identify opportunities for deferral, deductions, and tax-efficient investment strategies. Our goal is to help you make the most of what you earn while preparing for future goals.
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I’m approaching retirement - how can you help me transition from earning an income to living off my savings?
We help you create a detailed retirement income strategy that blends investment planning, tax efficiency, and risk management. The goal is to replace your paycheck with predictable income streams while maintaining flexibility for your lifestyle and goals.
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What does “holistic financial planning” mean?
It means we look at every aspect of your financial life - investments, taxes, insurance, and estate planning - and help ensure they’re working together. You’ll have a structured plan that evolves with your career and changing priorities.
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How do I find out what my business is worth?
Knowing your business’s value can help you make informed decisions about growth, succession, or potential sale. Through other professionals we offer access to business valuation estimates that can help you understand your company’s worth today - and identify ways to increase it over time.
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How can Napa Valley Financial help me plan for a future business transition or sale?
With other trusted professionals we guide business owners through every step of exit and succession planning - helping align personal and business goals, minimize taxes, and coordinate with your legal and accounting professionals for a smooth transition.
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What financial strategies should business owners consider beyond daily operations?
We help owners protect and grow their business through key person insurance, buy-sell planning, retirement plan design, and employee ownership strategies like ESOPs. Each is tailored to your goals, business structure, and long-term vision.
