About Me

YDream Financial Services has been helping clients plan their financial future since 1980. It all began with tax compliance and planning services and has evolved to more comprehensive planning. We believes that careful planning, implementation and monitoring of your financial objectives is the best way to answer the question: YDream when you can plan?



Our Principal Consultant, Sam H. Fawaz, is a Certified Financial Planner and licensed Certified Public Accountant. He is a member of the National Association of Personal Financial Advisors (NAPFA), Financial Planning Association (FPA) and the American Institute of Certified Public Accountants (AICPA). While professional requirements dictate an average of 40 credit hours of continuing professional education, Sam routinely attends more than double that amount each year to stay on the leading edge of financial and tax planning techniques.



In short, our goal is simple: to help you reach your dreams.



As a NAPFA registered advisor, we work on a fee only basis in order to provide you with unbiased recommendations and uniquely tailored personal plans. We do not sell any investment or insurance products to ensure unbiased recommendations. In short, your goals and interests are paramount when working with you. As your fiduciary, we pledge to never compromise our integrity in the interest of increased profitability. We closely follow the financial planning process as outlined by the CFP Board of Standards from initial data gathering to periodic reviews to ensure that you are on track to reach your dreams.



Our services are rendered in a timely, responsive and professional manner with the highest regard for your privacy. Your planner works with you and your other advisors as a team to ensure a coordinated and well informed plan. Our fees are quoted up front in writing and only begin after we have received your written authorization. You will know exactly what and when we will deliver before we begin any work.



Our initial consultation is complimentary and is offered without any further obligation. You can rest assured that there will be no pressure, no sales tactics and no obligation whatsoever. After all, we are looking to build a long term relationship with you. Our first meeting is intended to get acquainted and understand whether we can help you reach your dreams. We want to be sure that you are comfortable with our firm and our long term planning philosophies.



Whether you are interested in a financial plan or just some help with retirement or 401(k) planning, tax planning and returns, insurance and risk assessment, investment selection and asset allocation, estate planning or college planning, we can help. We invite you to explore our services to find the ones that will start you on the road to reaching your lifelong dreams.