Pacific Wealth Management’s James Kuntz is once again named one of San Diego’s Top Wealth Advisors.

Online PR News – 27-March-2014 –James Kuntz, CIMA®, Managing Director of Pacific Wealth Management®, an independent boutique wealth management firm that provides investment management services to preserve and grow wealth, once again, has been named a Five Star Wealth Manager by San Diego Magazine.

Criteria for inclusion is rigorous and thorough, and includes rankings on industry-recognized lists, number of clients served/client retention, educational background and professional designations, assets under management, professional longevity, regulatory review, and impact his services have made on clients.

“For over 30 years I have watched Jim tirelessly work with his clients to help them achieve their financial goals so it is no surprise to me that he should be recognized in this manner,” said Mark Hill, CFP, CDFA, Managing Director of Pacific Wealth Management, and Kuntz’s partner. “We are extremely proud of his achievement.”

Kuntz and his family live in the North County Coastal area of San Diego, CA.

The partners, Kuntz and Hill, formed Pacific Wealth Management in 1998 to help high-net worth individuals, families, corporations and foundations preserve and grow wealth. The firm utilizes Proactive Asset Management™, a proprietary asset management system in which risks are continuously evaluated and assets are actively managed to achieve optimum results. This model has benefitted clients even during the most tumultuous market situations.

Financial Planning and Investment advisory services offered through Pacific Wealth Management, LLC, Registered Investment Advisor. Securities offered through Girard Securities, Inc., Member FINRA, SIPC. Pacific Wealth Management, LLC and Girard Securities, Inc. are not affiliated.

Pacific Wealth Management Market Comment

by Jim Kuntz on January 7, 2014

With the holidays behind us, 2013 will likely go into the books as one of the most extraordinary years in the history of the capital markets.  Despite a tepidly growing U.S. economy and corporate profits increasing by only 3%, the stock market finished up around 30% last year.  Stock market appreciation of this magnitude usually coincides with an economy growing rapidly or on the verge of robust growth.   Unfortunately, this does not appear imminent.  Declining unemployment percentages have been illusory as more jobseekers have quit looking for work, not because they have found it.  The 2013 U.S. economy grew at around 2%, with slight improvement anticipated next year.

Since the banking crisis in 2008-2009, Ben Bernanke and his fellow central bankers around the world have been manipulating their respective bond markets to keep interest rates artificially low.  We believe this “zero interest rate policy” is inherently dysfunctional, in that it temporarily drives investment capital out of safer investments and into riskier investments, like stocks and real estate. As Mr. Bernanke keeps his finger firmly pressed on the United States Mint’s printing presses, buying $85 billion a month and over one trillion a year of government bonds, stock markets around the world have become dependent on this manipulation and inflated at a rapid pace. To put this in perspective, it has taken 237 years for the United States to accumulate a national debt of approximately $17 trillion, while this Fed policy has contributed over $3.2 trillion in just the last five years.

Going into 2013, we expected Bernanke to remove the punch bowl from the party, or at least start to reduce the level of monthly bond buying, before his term expires on the 31st of this month.  In late spring of last year, stock and bond markets experienced a period of volatility when the Fed comments merely suggested such a reduction might occur. However, Bernanke quickly backed away from this stance, and in September he formally announced the economy was not doing well enough to even begin to reduce or “taper” his monthly bond purchases. This was interpreted positively by stock markets, thus showing how dependent stocks have become to what we believe is an inherently unsustainable policy. When free market economies and their financial markets are no longer free to independently determine valuation levels, the process of hitting the reset button can be traumatic and market volatility is likely.  As economic commentator John Mauldin states; “Putting these bond buying policies into practice is easy, almost like squeezing toothpaste.  But unwinding them will be like putting the toothpaste back in the tube.

For these reasons we continue to have concerns stock market valuations remain especially vulnerable to higher than average volatility.  Pacific Wealth Management has kept our investment allocation in traditional stocks lower than normal to protect against this anticipated volatility.  We believe prudent diversification in these dysfunctional times will continue to control portfolio risk and effectively preserve wealth.

The strategic changes made over the last year to our portfolios are designed to increase growth. An array of sophisticated stock, bond and alternative investment additions have been made in markets around the world.  While our research suggests the economy will remain in an extended slow growth trajectory, 2014 is likely to be choppy.

James C. Kuntz, CIMA
Managing Director


December 5, 2013

DEL MAR, CA, December 5, 2013 – Pacific Wealth Management®, an independent boutique wealth management firm providing investment management services to preserve and grow wealth, is pleased to announce another successful and well attended National Multiple Sclerosis Society Dinner Gala Auction that was held on November 23.  This 27th Annual MS Dinner Auction raised more […]

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December 4, 2013

DEL MAR, CA, December 4, 2013 – Pacific Wealth Management®, an independent boutique wealth management firm that provides investment management services to preserve and grow wealth, today announced that Justin C. Kuntz has joined the firm as Wealth Advisor.  With the firm continuing to grow, Mr. Kuntz will be expanding Pacific Wealth Management’s retirement planning […]

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More to Life – Rethinking Retirement

October 9, 2013

It was great to see such a good turnout for Pacific Wealth Management’s latest More to Life Event on Saturday.  Acclaimed Del Mar psychologist, Dr. Richard Levak, presented a thought-provoking discussion on “Rethinking Retirement”.  As more of the baby boom generation enters retirement or contemplates a retirement date in the years ahead, Dr. Levak offered […]

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Pacific Wealth Management Market Comment

May 15, 2013

The financial markets have been showing signs of increasing volatility over the last month.  This is hardly surprising, given the near vertical five-month rally in stocks since mid-November. The run-up in stock prices is directly attributable to the continuing and unprecedented levels of government bond purchases by the central banks of the developed countries around […]

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Market Comment from Pacific Wealth Management

March 22, 2013

As 2012 fades into the memory banks, the financial markets of 2013 are beginning the year in a very similar fashion to last year.  Despite estimates for the U.S. economy to grow at a tepid 2% pace, along with a deepening European recession, stock markets around the world are off to a very optimistic start […]

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What to make of the markets in 2013?

February 11, 2013

Despite tepid GDP growth in the U.S. of around 2% (compared to the long-term average of around 3 ½%), along with a recession in the UK and most of Europe, this year’s stock markets have rallied to multiyear highs. We believe these strong markets are being driven by the U.S. Federal Reserve Bank’s continuing policy […]

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The Taxpayer Relief Act of 2012

January 4, 2013

The fiscal cliff compromise extends the majority of tax cuts that were scheduled to expire at the end of 2012, in addition to retroactively reinstating some rules that had expired in 2011. The legislation also introduces a number of changes including a new top tax bracket of 39.6%, and an increase in the top long-term […]

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Pacific Wealth Management Market Comment

November 20, 2012

The long awaited elections are now behind us and, as we expected, nothing has changed in Washington D.C.  An equally divided American electorate has chosen to maintain the political status quo.  Our government leaders, unfortunately, do not inspire confidence and last week’s “post-election” stock market decline underscored the financial market nervousness regarding our economic prospects, […]

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