Why Compass Rose Financial Planning?

An Educated Investor is Our Best Client

As an investor, you can go anywhere for financial advice. Wall Street brokerages, giant insurance companies and online discount brokers are all vying for your business. At Compass Rose, we believe our business model is aligned with solutions that are in your best interests and present a superior opportunity for you:

  • We are an independent, privately-owned firm with deep roots in the Coachella Valley.

  • We rely on referrals from our clients to grow our business.

  • As an independent firm we choose financial products that are best for you-unbiased by the demands and sales quotas that could be imposed by a corporate parent.

  • Our entire focus is on developing and managing a comprehensive financial strategy that meets your unique needs.

  • You receive personal attention and advice from professionals who come to know you.

Independence Matters

We work for you

Everyone wants an advisor they can trust. Compass Rose is licensed by the State of California as a Registered Investment Advisor (RIA). We choose to practice as an RIA because we want to provide you investment advice as a fiduciary, which by law requires us to always put your best interests first when advising you on investments.

With A Fiduciary, Your Interests Come First

Our Responsibility in Serving You

At Compass Rose our responsibility in serving you is clear, for we are a fiduciary. This means that Compass Rose is different from traditional personal financial advisors that are brokers.

  • Unlike a broker, Compass Rose is not licensed to sell you securities and we are not salespeople.

  • Compass Rose is a Registered Investment Advisor (RIA) and only sells you our advice.

  • No hidden fees or agenda because, as an RIA, we are required by law to fully disclose any conflicts of interest we have in serving you.

  • Compass Rose earns its fees not by charging you a commission, but by levying a fixed percent of Assets Under Management for ongoing financial advice.

You Get What You Pay For

Our Fees Are Based On Your Planning Needs

Our services are tailored to meet the financial advice you seek, and our fees are based on the value we deliver based on the complexity of your situation. While we offer comprehensive financial planning services covering all aspects of your finances, from investing to estate planning and insurance, not everyone needs comprehensive advice. If you need advice focused on meeting a single important challenge, such as your investments, retirement or college funding, we can establish a plan for moving forward and limit the scope of the engagement to keep our fees within your reach. Then you can decide how you want our relationship to progress.

Let Us Earn Your Trust

Our Promise to You

Your best interests drive everything we do. Securing your future is a long-term project, so it is crucial to work with a financial professional who works exclusively for your benefit. Together, we can build a relationship that lasts a lifetime, give us a call today.

Our Team

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Bob Machado, CFP®

Owner / Financial Planner

Bob received his Master of Science degree in Financial Planning and MBA in Management from Golden Gate University, and his bachelor’s degree from the U.S. Military Academy.

In 2000-2001 a devastating financial setback nearly cost Bob Machado his home, due to some poor advice from a “financial advisor” and Vice-President at a large Broker/Dealer firm. This experience not only crystallized a need for Bob to understand his own financial situation, but also motivated him to acquire the tools to help other people avoid such a situation.

As the Operations Manager at Compass Rose Financial Planning, Michael Crick brings with him more than 20 years of administrative experience including 11 years with Intel where he was a Senior Administrative Assistant in the legal department.

Michael excels in fast-paced and changing environments, while successfully carrying out complex tasks in diverse areas including project management, database administration and customer service. Michael has an Associate of Arts Degree from Mission Community College in Santa Clara, CA.

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Michael Crick

Operations Manager

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Michael Crick

Operations Manager

As the Operations Manager at Compass Rose Financial Planning, Michael Crick brings with him more than 20 years of administrative experience including 11 years with Intel where he was a Senior Administrative Assistant in the legal department.

Michael excels in fast-paced and changing environments, while successfully carrying out complex tasks in diverse areas including project management, database administration and customer service. Michael has an Associate of Arts Degree from Mission Community College in Santa Clara, CA.

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David Warner, MPM

Business Manager

David has a Master of Public Management Degree in Government and Non-profit Financial Management from the School of Public Affairs at the University of Maryland.

As the Business Manager at Compass Rose Financial Planning, David Warner brings with him more than 30 years of financial analysis and administrative experience including 9 years as a budget and program analyst with the U.S. Department of Health & Human Services in Washington, DC, working primarily in the areas of Social Security and Medicare. In addition, David served 18 years as a senior policy analyst with the Social Security Advisory Board where he worked primarily in analyzing national policies to promote income and retirement security for the aged and other vulnerable populations.

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