Fred Sprinz, CFP® specializes in retirement and estate plans for closely held business owners with a concentration in agriculture, trucking and construction. Founder of S&B Financial, Fred merged S&B Financial with Embarcadero Financial Group at the start of 2017 to provide clients additional depth & support. A 1973 graduate of the University of Oregon, Fred received his Masters of Arts Degree in Education. He was employed with Continental Bank in Chicago from 1973-1977 and entered the financial services industry in 1977. Fred is a Registered Principal licensed in both securities and life insurance. Fred has been a member of NAIFA since 1986 and past president of the San Jose West Rotary. Fred is a Certified Financial Planner and has been an active member of the Financial Planning Association since 1988.