About the author  ⁄ Cristina Briboneria

Cristina Briboneria

Cristina Briboneria, CFP®, ADPA®, AWMA®, Vice President, Private CFO®.

Cristina is originally from Los Angeles, California but has lived in Houston, TX, Cleveland, Ohio, and now resides in Atlanta, Ga. Cristina graduated from Oberlin College with degrees in Mathematics and History. She earned her Certified Financial Planner(TM) designation from Oglethorpe University.Cristina has also been recognized in Atlanta Magazine as one of Atlanta's Five Star Wealth Managers.

Cristina joined Ameriprise Financial in 2005 and was one of the Top 10 Advisors in her peergroup at the end of her first year. She was rewarded the Mercury Award, Centurion Award, and First Year Top Achiever Award for high achievement. She quickly moved into leadership positions as an Advisor Coach and District Manager in 2006. As a District Manager she earned the Circle of Success award when she lead her team to Top Five in the country throughout the entire company.

Since joining oXYGen, Cristina has built a successful practice of over 175 clients having awide range of demographic from business owners, corporate executives and employees, teachers, clergy, and non-profit organizations. She wanted to help build a company that was tailored specifically towards Gen X & Y."These generations have been overlooked and will be a driving force in our future economy. They will be a force to be reckoned with--many of of my clients are purpose driven individuals wanting to make a difference in their places of business but also wanting the knowledge of how to be financially responsible and successful." Background and qualification information is available at FINRA's BrokerCheck website.

Preparing for the Unexpected

Cristina Briboneria, CFP®, AWMA®, ADPA® Vice President, Private CFO® As I write this, I am nearly in tears. Full disclosure, I want you to know that I was a true Lakers and Kobe Bryant fan. For me, growing up in Los Angeles and being a basketball player, I looked up to Kobe as a hero for his entire career. Yes, he disappointed me and his other fans many times during his career, but it was his determination, fire to win, and strive to reach his goals, which made me and the rest of Los Angeles always love him. Kobe Bryant’s death is a shock to his fans, family, colleagues. Over the last several days I have had the chance to speak with my friends, family, colleagues, and clients about how Kobe’s death impacted them, the one phrase that keeps coming up is that “it puts everything into perspective”. As a Certified Financial Planner® my main priority is helping our clients ...

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Why Pay Ticketing Fees?

How many times have you been sitting home on a Thursday night trying to find things to do for the weekend on Access Atlanta (http://www.accessatlanta.com/) and say “Honey, let’s go to a concert at The Fox Theatre” or “Or guys, let’s catch the Hawks game?” There have been plenty of times that I’ve jumped on StubHub and grabbed last minute tix to Braves, Hawks games, and concerts all over Atlanta. Because of my lack of planning, and apparently everyone else’s, the past few years we’ve seen the success of companies like StubHub, CheapTickets.com, TicketMaster.com, and various others who offer consumers tickets to their favorite concerts, sporting events, and plays. As many of us know, some of these sites charge some form of underlying ticket fees that can range from $10-$25 per ticket. These companies provide a great last minute service of finding tickets; provide a venue for people who need to sell their tickets a chance to get some of ...

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Save Big, Save Little for College

For many of us, one of the biggest expenses that we’ll have is paying for our own or our child’s college education. Personally, I knew that I wasn’t going to have a “Free Ride” during college. Although I played Division III college basketball, I still maintained 4 jobs in college and used the tutoring services so that I could qualify for as many academic scholarships as possible and to pay down some of my student loans before I graduated.  According to the College Board, statistics show that over the past 30 years the average annual increase for college tuition has ranged from 3-5% above and beyond inflation(Consumer Price Index). I recently had the chance to interview Mandy Ginsberg, CEO of Tutor.com/former CEO of Match.com, about the different ways to help students save and pay for college. Below are a few tips that Ginsberg shares with our readers. “Save Big” Ginsberg says. Many people transition from paying for day care to ...

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What Atlanta’s #Snowmageddon 2014 Taught Us From a Financial Standpoint

Review and shop out your car insurance coverage often. Typically, you can shop your rates out on a semiannual basis to see if you’re getting the best deal possible.  If you were someone who was sliding around in the snow and ice and had Comprehensive and Collision coverage then your insurance will pay to repair or replace your car if it is stolen or damaged in an accident, regardless of who is at fault. Depending on your car, amount of a balance you have left on your car note, distance you commute, and cash flow you can look at ways to increase your deductibles, reduce your coverage, or you can check out my other article about taking a defensive driving class(http://www.ajc.com/weblogs/atlanta-bargain-hunter/2013/dec/04/perks-driving-defensively/) to find ways to reduce your premium. Travel with a full tank of gas. Unfortunately, some friends needed to sleep in their cars overnight and had over 14-24 hour commutes home; some inevitably abandoned their cars because they ran ...

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My Beautiful Car and Its Insurance

Written By: Cristina Briboneria, CFP®, ADPA®, AWMA® Vice President, Private CFO® oXYGen Financial, Inc. Request a FREE consultation: www.oxygenfinancial.net Have you ever been in an accident? Do you have car insurance? Last Friday, I was in an accident in a Kroger’s Parking Lot. The driver was backing up in a one way drive and I was moving forward. As I honked my horn, hoping that she would stop—she ran right into my driver side front bumper. As I rushed out of my car and looked at the damage, I immediately asked for the driver’s insurance card, name, and phone number. The driver was frantic. I did not understand why she was—however, as I’m writing down her insurance information she tells me she has no driver’s license. The other driver had no car insurance. The name on the card was her brother’s name. Have you ever been in that situation? I called the police and they filed the report. They also ...

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