Financial Advisor

A Santa Barbara, California based advisor with over 20 years of experience, helping to create financial confidence & understanding since 1994.

Most of my clients are independent women. They are smart, successful in life and are now having to make important decisions with their money.

Their lack of knowledge about money and investments is undermining their sense of confidence and creating fear and concern about their future. They don’t want to simply be told what to do, they want to understand the decisions they make, and be guided to a place of financial confidence.

My mission is to create an environment where women feel comfortable learning about their money. I make the process simple and personal, giving them clarity and confidence in their financial future.

I aim to remove women's fear and uncertainty about money.

My vision is to create a generation of women who are smarter, stronger, and confident in managing their money.

The CFS Difference

As a female advisor, Janet brings a unique voice to the table. She educates her clients, listens to their needs and provides them with an appropriate investment strategy and financial plan. We like to work with accounts of all sizes, especially as you work your way towards one million (it’s okay to have less to work with us)—we strive to make a difference in our client’s lives. Your goals are our goals, Live Your Dream!

Portfolio Management

Knowledge is Power—Know what you own, request a second opinion, receive a risk analysis. We pride ourselves as retirement and investment specialists. Learn how the power of fee-only or fee-based portfolio management can help you to look towards low cost, smart beta passive strategies and how they can work for you.


A Woman's Voice

My mission is to provide financial planning and investment advice that creates a more empowered client and stronger generation of women. Honesty, Integrity, Authenticity and Accessibility are my cornerstones. Independence is part of upholding the fiduciary standard-- doing what’s best for the client. Through educational and informative advice, we will work together to build a strategy for a better future for yourself and your family. 

Managing your finances on your own is difficult, but it doesn't have to be. Whether you are single, divorced, or transitioning from the loss of a loved one, we believe you deserve the guidance to help you through the tough financial decisions.

*Certified Divorce Financial Analysts™ are trained to answer these questions and more for men and women in the process of divorce and to provide litigation support for their attorneys, which helps them prove and often settle their case.

Today's women are independent thinkers, and are more than an "untapped market."  As an advisor with more than 20 years of experience, I strive to:

    • Provide a caring, resourceful financial team approach
    • Give advice that applies to your situation, not a company’s canned presentation
    • Provide trusted financial guidance as your needs change
    • Empower you to take the steps necessary to implement responsibly
    • Provide an authentic approach to finances by relating to your situation
    • Provide the framework for a long-term Client-to-Advisor relationship

Consulting:  Hourly based consulting to address specific financial planning requests are billed at $250/hr (thru 12/31/2016). Typically for divorce settlement planning, Second Opinion Portfolio Analysis and Comprehensive Planning without asset management or product placement.

Flat/Project Case Consulting: Ranges from $750 to $15,000. (Negotiated in advance.)

  • Mutual Funds 
  • Comprehensive Asset Management Account
  • Annuities: Variable and Fixed  Products
  • Planning: Modular or Comprehensive planning for Estate, Business, Tax and Retirement Planning
  • Insurance: Term or Permanent Cash Value Policies (Whole, UL, IndexedUL and VUL)

We place our clients' interests above our own. We acknowledge our fiduciary responsibility, adequately explain our compensation structure, and disclose potential conflicts of interest. We ensure the timely and clear disclosure of relevant information, taking care to ensure it is accurate, complete, objective, and understood.


Waves of Baby Boomers are beginning to seek out competent advice and guidance as they enter into retirement age. Janet Barr is ready to take on these clients, specializing in planning for those nearing or already in retirement.

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"Money will buy a pretty good dog, but it won't buy the wag of his tail."

- Josh Billings