Jennifer Cray

Jennifer Cray is a Partner and fiduciary financial planner at Forum Financial Management, LP, based in Menlo Park, California. In her current role, she provides comprehensive wealth management and financial planning services, specializing in working with busy professionals and families—often with backgrounds in technology or other career-driven sectors—who are looking to manage increasing complexity in their financial lives. Her responsibilities include portfolio management, retirement and tax planning, allocation strategies, and developing tailored implementation plans focused on both qualified and non-qualified assets to maximize tax efficiency.

With more than 20 years of experience in financial services, Jennifer's career includes prior partnership at Investor’s Capital Management, LLC, and senior product management at E*TRADE Securities. She has a demonstrated focus on holistic financial planning, covering areas such as estate planning, insurance review, stock option strategies, 401(k) allocations, and investment portfolio design—particularly for clients in the tech industry and those approaching or undergoing major life transitions.

Jennifer is a CERTIFIED FINANCIAL PLANNER® professional. She holds an MBA and a BA in Print Journalism from the University of Southern California, and further certification in Personal Financial Planning through UCSC Silicon Valley Extension. Jennifer’s approach emphasizes transparent, objective advice tailored to each client's goals, and she actively works to help clients achieve financial independence and security through disciplined, long-term strategies.