“Clients gain peace of mind knowing they are doing everything possible to preserve and grow their wealth before and during retirement. Implementing good financial decisions builds a more secure, enjoyable future.”
Who we are:
Mary Alpers, CFP®, EA, MBA is President of Three Points Financial, Inc, formerly known as Alpers Financial Planning, Inc. Mary is a CERTIFIED FINANCIAL PLANNER™, and holds a Master’s Degree in Corporate Finance from Golden Gate University in California. She has worked in the financial planning field since 2002 and began Alpers Financial Planning in 2004. From 2012 – 2015 Mary served on the Board of Directors of Alliance of Comprehensive Planners (ACP) (www.acplanners.org), a non-profit organization of fee-only financial advisors. She is a member of NAPFA (National Association of Personal Financial Advisors (www.napfa.com). Both organizations foster a fee-only, comprehensive approach to financial planning. Prior experience includes owning a tax preparation practice and working as a productivity analyst for a pharmaceutical company in Silicon Valley. In 2021 Mary and Steve Cruice, (see below) joined their respective businesses together to form Three Points Financial, Inc.
Mary regularly writes and speaks on financial topics and has been quoted in numerous financial articles.
Other professional organizations include NATP, The National Association of Tax Practitioners (www.natptax.com).
Steve Cruice, CPA, CFP® is a co owner and Lead Advisor at Three Points Financial, Inc. He ran an independent, fee-only planning firm Simply Steward, LLC from 2017 to 2021. From 2008 to 2017, he worked in various roles within the financial industry as a CPA. He is a member of NAPFA (www.napfa.com) and the Alliance of Comprehensive Planners (ACP). He’s always had a passion for helping people with their personal finances. As an accountant, he was approached frequently by people with tax or personal finance questions and found helping people get answers to their financial questions was something he loved. Ultimately, this love for helping people simplify their financial life is what led him to a career as a tax-focused, comprehensive, fee-only financial planner.
Michelle Williamson is the Office Manager and Manager of Client Services for Three Points Financial, Inc. Michelle holds a business degree at the University of Colorado at Colorado Springs, with honors. She has worked with Three Points Financial, F.K.A. Alpers Financial Planning since 2007.