Joyce Franklin

Much like you don't wait to join a gym until you're healthy, you shouldn't wait to work with a financial planner until you're wealthy. Unfortunately, the financial industry historically only wants to work with clients who have <insert any seven-digit-minimum amount of assets>. The good news is there are now plenty of financial planners who will gladly work with clients regardless of how much they have already saved. I am one of those planners. ;) I've been a financial planner for over a decade now, and I've worked lots of different clients from all walks of life. I've come to learn that sticking to the basics and keeping things simple is the best approach when helping clients develop a financial plan. My role is to help guide you on your path to financial freedom. New clients start with a financial plan. This is where we talk about your goals, time horizon, and all the numbers. We’ll review different scenarios so you can see what’s possible. By the end of the initial plan, you should be up and running, moving in the general direction of your goals. In six months (or sooner, if you prefer), we’ll meet to review how things are going and make any needed adjustments. From there on, we’ll talk about any future meetings that may be beneficial.

I specialize in growing families that work in the medical and technology industries. My wife has worked as a physician since 2013, so I'm familiar with the challenges that those in the industry face. Geographically, we are located in the Bay Area, so my practice has naturally become split between medical professionals as well as those working at tech companies, with a significant portion coming from Google.

Holzberg Wealth Management is a family-owned and operated financial planning and investment management firm based in Marin County, CA. As your financial advisors, we serve you as a fiduciary and are fee-only, so we never receive commissions of any kind. We help individuals and families like you in the greater San Francisco Bay Area and virtually nationwide with the financial decision-making process to organize, grow, and protect your assets. Marcus is a CERTIFIED FINANCIAL PLANNER™ at Holzberg Wealth Management. Before joining the firm, Marcus worked for the private equity and consulting firm AlphaSights in downtown San Francisco. From there, he moved to Manhattan, working in the entertainment industry for Sloss Eckhouse Dasti Haynes LawCo and Cinetic Media. During his time at the firms, he worked across both companies in various advisory capacities, including business and legal affairs, financing, corporate consulting, brand relations, and more.

Martha Mastracci is a Planning Consultant at Fidelity Investments, a role she has held since 2025. In this capacity, she works closely with clients to understand their unique circumstances, priorities, and long-term goals, collaborating to build personalized financial plans that align with their vision for the future. She conducts regular reviews to assess progress and discuss strategies to improve outcomes or reduce risk, aiming to help clients feel confident and secure about their financial future. Martha brings extensive experience to her current role, having previously served as a Relationship Manager at First Republic Bank from 2011 to 2023. Prior to that, she was Senior Vice President at Boston Private Bank from 2001 to 2011, and Assistant Vice President at The Boston Company from 1985 to 2001. Her career spans several decades in the financial services industry, providing her with a broad perspective on client relationship management and financial planning. Outside of her professional work, Martha has interests in art, football, golf, and traveling.

Benjamin Garrison is a Financial Advisor at Merrill Lynch Wealth Management who specializes in serving affluent families, business owners, executives, and medical professionals. Since joining Merrill in 2021, he has helped clients navigate complex financial decisions, focusing on areas such as family wealth management, managing new wealth, and small business strategies. His work centers on guiding clients through important life transitions, including career changes, growing practices, and family-owned enterprise demands. Benjamin utilizes a disciplined planning framework to optimize cash management, structure retirement and investment strategies, design succession plans, navigate equity compensation and employer benefits, and build tax-efficient wealth strategies intended to endure across generations. His approach emphasizes deep listening, customized strategies, and proactive service. He earned a Bachelor's Degree in Finance from Oregon State University, where he was Team Captain and a four-year varsity coxswain on the Men’s Rowing Team. Outside of work, Benjamin enjoys playing multiple sports, fishing, hiking, skiing, and spending time with his family. He remains active in his alumni rowing community and is a member of the Oregon State Men's Rowing Alumni and Oregon State University Alumni Association.