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This profile was last updated on 6/13/10  and contains information from public web pages and contributions from the ZoomInfo community.

Mrs. Pamela Christensen CFP

Wrong Pamela Christensen CFP?

Employment History


  • degree , Management and Ethics
    William Jessup University
  • Masters , Theology
    Western Seminary
63 Total References
Web References
Financial Disciplines, 13 June 2010 [cached]
About Pamela Christensen Pamela Christensen is a Certified Financial Planning licensee, receiving the designation in 1993 and active in the industry since 1989. She attended Golden Gate University, and focused her undergraduate studies in Economics. She holds a B.A. in Management & Ethics and Bible & Theology from William Jessup University. She currently is a candidate for Masters in Theology and has a private practice in Roseville, CA.
Mrs. Christensen has held both a General Securities and Registered Principal license and is a Registered Investment Advisor under the State of California with over fourteen million under management. She is a California registered Tax Preparer (A022775).
She is a Past President and member in good standing of the Financial Planning Association of Northern California. She also serves as adjunct faculty at Wm Jessup University in Rocklin and Advisory Board member of UC Davis Extension Personal Financial Planning/CFP ® program. Mrs. Christensen has been active as a leader and trainer with Crown Financial Ministries since 1994, is a certified Crown Seminar Instructor and currently serves as Area Director for Northern California & Northern Nevada.
Calvert - News, 29 July 2004 [cached]
"It doesn't matter how good a financial plan is -- if daily spending is out of control, it will drain everything," says Pamela Christensen, a certified financial planner and executive director of Sacramento, Calif.-based Financial Disciplines.
Indeed, many people today don't have a clue how much they spend on so-called nonessentials, or how much they'll need to spend on health care in the future.
Americans with incomes of $100,000 or more estimate they spend as much as 14.2 percent of their income on entertainment, travel and other "luxury" services, says a new study by Unity Marketing, a Stevens, Penn.-based research firm.And a couple retiring today at age 65 will spend at least $175,000 in today's dollars to fund out-of-pocket medical expenses in retirement, according to a Boston-based Fidelity Investments study released earlier this year.
In her practice, Christensen finds those approaching retirement underestimate by at least 50 percent their future health-care costs.Gifts is another category that gets underestimated, she says.
"It's a very scary area for people," Christensen says.
Christensen starts the process by first showing clients what the typical family in America spends, according to the Web site Practical Money Skills, on housing (30 percent), transportation (18 percent), food (16 percent), clothing (5 percent), recreation (5 percent), utilities (5 percent), savings (4 percent), other debts (4 percent) and miscellaneous items (8 percent).
She then calculates what her clients really spend in those categories, using a year's worth of bank statements, credit-card statements and checkbooks and compares those figures to actual income, searching especially for the categories in which there may be "overspending."Yet in other cases, she says pre-retirees are "overfunding" their 401(k) or retirement plan at the expense of their family's standard of living."This can create a lot of stress for a family," she says.
Financial Advisor Magazine, 22 May 2003 [cached]
Pamela Christensen, president of Financial Disciplines in Sacramento, Calif., feels investors are taking a step back after the high-flying 1990s and reassessing their priorities.Much in the same way people are leaving high-stress jobs, cashing in stock options and seeking to improve the quality of their lives, some investors are looking for more meaning in what they do, she says.
"It's spillover over into their investing criteria," says Christensen, who does SRI investing for about 30% of her 80 clients.
Staff & Advisors, 18 July 2007 [cached]
Pamela Christensen, CFPExecutive DirectorPamela has been in practice as a financial planner, counselor and Registered Investment Advisor since 1994.She teaches community classes on budgeting, money management and investing and serves as adjunct faculty in the UC Davis Extension PFP/CFP© program.Pamela is an active member and past president of the Financial Planning Association of Northern California.She is a trainer for leaders in Crown Financial Ministries and serves on several boards and ministry committees.
The Sacramento Bee -- -- Jack Sirard: Jump from tech stocks to bond funds proves painful [cached]
Sacramento financial planner Pamela Christensen and I will host a Webcast on financial planning at noon Aug. 28.
Christensen, former president of the Northern California Financial Planners Association, has been a financial adviser since 1993 and specializes in cash flow, budgeting and beginning investors.
We'll be answering questions about financial planning, investment strategies, money management and getting the most out of your 401(k).
Sacramento Bee readers are invited to post their questions before the event and then check back that day to view answers to selected questions.
Questions may be posted in advance at:
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