Germaine Cordes dedicates her practice to tailoring financial strategies to help her clients pursue their goals and protect  their futures. 
Born in Redwood City, California, and raised in the Bay Area, Germaine joined the U.S. Army shortly after graduating high school. In 1986, after seven years of service, she entered the world of finance. Starting as an account executive for a national commercial fleet leasing company she worked extensively with small business owners in the Midwest. The experience gave her a deep understanding of the common issues that many small business owners face.
In the 1990’s, Germaine became a financial analyst securing loans large lines of credit for small business owners. She then went on to become a Finance Director at a large commercial truck dealership. Germaine realized the importance of planning for the “what-ifs” in life when one of her clients, who owned a very successful trucking company, suffered a heart attack and had to file for bankruptcy six months later. At that point, she decided to embark on a career as a Financial Planner.
Germaine joined Lincoln Financial Group (LFG) in 2002 as a Financial Planner. At LFG she went through an intense training program where she acquired in-depth knowledge in portfolio analysis and building, retirement planning, estate planning and business succession planning. Later she became part of a team working with soon-to-be retirees and the complex world of retirement income planning.
In 2004, Germaine joined MassMutual Financial Group where she further developed her knowledge in risk management, budgets, and cash flow analysis. She has also earned the designation of Charted Financial Consultant, ChFC®, meeting the most extensive educational program for any financial services credential.
In 2009, Germaine joined Foothill Securities, Inc. as an Independent Financial Planner where she provides investment advisory, securities, and financial planning services.  She also established her business Lifetime Capital Financial Group with a focus on insurance products and business consultation.  In December of 2016, Foothill Securities became part of  Securities America, Inc. 
Germaine graduated from the University of San Francisco with a Bachelor of Science degree in Applied Economics. She also earned a Paralegal Certificate from Cal State Hayward (ABA approved) with an emphasis in Estate Planning and Corporate Law. Germaine belongs to the Tri-Valley Estate Planning Counsel and the Tri-Valley Conservancy. She resides in the city of Livermore with her husband Matt and their two Coton de Tulear puppies.


Jeannette Guthrie is the Administrative Assistant to Germaine Cordes.  Jeannette holds a Bachelor of Arts degree 
in Psychology from the California State Univesity Hayward, CA.  Jeannette has worked with venture-financed companies in the high technology sector for more than fifteen years serving as an Office Manager, HR Representative, and Administrative Assistant in the Silicon Valley. 
Jeannette is sensitive to and maintains confidentiality, is well organized and detail oriented.  She has with a strong sense of job ownership to provide quality work in a timely manner.  In her spare time Jeannette volunteers at a crisis center.