In 1986,  Elfrena Foord, Carol Van Bruggen, Chuck Ebersole, and Laura Pajak, all CERTIFIED FINANCIAL PLANNER™ practitioners, joined together to create the firm Foord, Van Bruggen, Ebersole and Pajak Financial Services. 

Loyalty, stability and consistency are important values to us.  A testament to this is that the 4 partners have been together since our founding at our offices at 2255 Watt Ave. in Sacramento.  All partners are CERTIFIED FINANCIAL PLANNER ™ practitioners which are certified by the Certified Financial Planner Board of Standards in Denver, Colorado.  We follow the Code of Ethics of that group.  We have taken leadership positions in our own local professional associations and have been president of either the local chapter of the Financial Planning Association or the Estate Planning Council.   We have been active in the community and have served as leaders in local community non-profit groups. We have co-authored three financial books, “The Survival Guide for Heirs,”  “The Business Owner’s Retirement Plan Survival Guide” and the newly published “It’s Not About Your Money, It’s About Your Life.” The firm was awarded the Community Service Planning Council’s “Reach out and Touch” award in 1990.