We Check All The Right Boxes

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We are professional, fiduciary financial advisors who enjoy working for you, not Wall Street.

Proudly serving San Diego and the Greater Southern California region

FINANCIAL PLANNING

Independent Advice for
an Independent Life

Financial Planning

  • Retirement Planning
    For those already retired or considering retirement within 3 years. Strategies for retirement goals, income planning, portfolio withdrawals and sustainability.
  • Accumulator Planning
    For those who are generally 3-15 years away from retirement. A review and analysis of your full financial picture.

INVESTMENT PORTFOLIOS

Professional Management of Your Personalized Portfolio

Investment Portfolios

  • Investment Management
    For those seeking the design and professional management of a custom-tailored investment portfolio. Service can include 401(k) and other retirement plans.

A Higher Standard of Care

Fiduciary fi·du·ci·ar·y, noun

From the Latin fiducia, meaning “trust”, a person or business who has the power and obligation to act for another under circumstances which require total trust, good faith and honesty – Dictionary.law.com

For an advisor, being a fiduciary means that they act in the best interest of their clients. While you may assume that every advisor or broker works as a fiduciary, that’s not the case. Many won't accept, or are not allowed (by their employer) to accept a fiduciary responsibility. Think about that. If your interests are not first, whose are?

Advisors and brokers that are not fiduciaries only have to meet the lower “suitability standard”. That means recommended products or actions only have to be generally suitable for a client’s circumstances. Unfortunately, many financial products are sold under the suitability standard, but may not be the best thing for the client.

Fee Only
CRP
Focus on Fiduciary