11512 El Camino Real
Sound Management for a Secure Financial Future
Take Control of Your Finances
A fee-based, fiduciary firm providing wealth management services for families, retired individuals, professionals and business owners.
Retiring successfully means retiring on your terms. Plan for it the right way with our disciplined process:
Nobody likes paying taxes, especially if it can be avoided. PWM can help work with you and your tax professional to minimize your tax bill:
Estate planning is a core aspect of high net-worth financial planning. Our disciplines ensure you implement a plan so your wealth moves the way you want:
Navigating volatile financial markets is a challenge for most investors. Make more and lose less is the objective. Proactive Asset Management is our proprietary investment process that helps clients avoid large declines and grow their portfolio when markets are strong:
Risk management becomes an important requirement with the accumulation of wealth. Protecting your nest egg with the right kind of insurance is imperative.
Equity Compensation in the form of stock options, restricted stock units (RSU’s), and performance-restricted stock present a unique challenge for employees. Making the most of the asset in the most tax-efficient way possible is how we can help.
We release topical articles every few weeks as an educational resource for our clients and associates. They are posted to our Insights Page
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Let's Talk About Retirement
Our management is guided exclusively by your best interests.
As a fiduciary, our moral principles dictate everything we do, ensuring the guidance we provide aligns with this higher ethical standard.
Our entire team works on your behalf and delivers on what we say we are going to do.
Our disciplined communication keeps you informed and in control of your financial world.
Financial planning doesn't have to be overwhelming. Download this guide to get some bite-sized pieces of timeless financial advice.
At Pacific Wealth Management, we embrace the higher fiduciary responsibility that comes with being an independent advisory firm, aligning our objectives with yours and working within a compensation model that ensures we act in your best interests at all times.
After realizing my dream of moving to San Diego, I began my investment advisory career in 1982 as a financial consultant with EF Hutton. Although working for a Wall Street bank provided an excellent education in the financial markets, it became evident corporate agendas and priorities were not always aligned with their client's goals and objectives. I recognized for our financial advice to be truly objective, we needed to become an independent, fee-only advisory firm.
We founded Pacific Wealth Management in 1998. As professionals with almost four decades of financial advisory experience, we have successfully navigated the many good, bad and ugly market environments, while delivering intelligent financial and retirement strategies for high-net-worth investors.
A graduate of Rutgers University with a Bachelor’s degree in finance and business, I then earned my Certified Investment Management Analyst (CIMA) accreditation from the University of Pennsylvania’s Wharton School of Business, through the Investments and Wealth Institute. I have passed the FINRA Series 3, 7, 8, 63 and 65 financial services examinations, as well as hold life and disability insurance licenses (California). For relaxation, I enjoy most outdoor activities, including spending time in the ocean, the mountains or simply hiking the trails of North County San Diego with our Australian Shepherd/Border Collie mix, Kona.
Since joining the financial advisory business in 2006, I've maintained a commitment to develop expertise in my craft and deliver comprehensive financial planning to high-net-worth individuals throughout the United States.
As a Certified Financial Planner (CFP®), and Pacific Wealth Management’s Managing Director, I lead our experienced team of professionals to add ongoing value to our clients lives. Our disciplined approach to financial planning ensures all aspects of our client’s financial lives work together in a coordinated way today and throughout their lifetime.
While studying economics and art history at the University of California (Davis), I also attended the University of California Study Center in Siena, Italy. When I’m not helping clients reach their retirement goals, you can find me with my family, surfing, or on the golf course. I also love to ski, snowboard and explore new parts of our planet.
As a Wealth Advisor and Certified Financial Planner (CFP®) with Pacific Wealth Management, I work with our team of seasoned financial experts to protect and grow clients’ wealth. It is rewarding for me to see the calm my clients experience when we design a financial plan that prioritizes their concerns and lays a clear path toward the achievement of their financial goals.
Before becoming a financial professional, I taught high school and college English. I earned my undergraduate degree from Washington and Lee University and a Master’s degree in British Literature from the University of Virginia. I have passed the FINRA Series 65 examination and hold a Life and Disability insurance license from the state of California.
I love spending time with my daughter and twin sons, who are all in high school. I enjoy my daily runs on the beach and am always trying to read more non-financial literature in my spare time.
I spent my early Financial Planning career working with some of the larger corporations in the financial services industry. I soon realized I could offer a higher level of service and deliver more value to my high-net-worth clients if I realigned my professional affiliation and joined a firm with wealth planning expertise.
I joined Pacific Wealth Management so I could effectively embrace my fiduciary responsibility, providing objective advice in the best interest of our clients.
After graduating from San Diego State University’s top financial planning program, I hold a Certificate in Personal Financial Planning and am a candidate for the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. Our Pacific Wealth Management team of professionals craft customized financial plans for individuals and families to facilitate disciplined decision-making while prudently minimizing taxes.
Outside the office, you can find me searching for San Diego’s best foods, traveling to new destinations, enjoying sports as a fan and recreational player, or spending time with my Shiba Inu daughter Chewy.
Director of Research / Wealth Planner
As Pacific Wealth Management’s Director of Research and Wealth Planner, I actively support our wealth and financial planning services, ensuring our clients’ financial plans and retirement strategies are current and optimized. My responsibilities as Director of Research include the analytical evaluation of both Pacific Wealth Managements proprietary research and the best of breed research we source from the Wall Street community. Additionally, I work to keep all our client financials up to date, while being a resource to help them efficiently utilize their personal financial website, Pacific Wealth Management’s Compass Center, so they remain informed and in control of their financial world.
I graduated with honors from the University of California, Berkeley and earned my Master of Science in Business Administration with a specialization in financial and tax planning from San Diego State University. I hold my CFP® certification which is recognized as the standard of excellence for financial and wealth practitioners committed to putting clients’ interests first. I hold the FINRA Series 65 license as well as life, accident and health insurance licenses (California). Outside of the office, I enjoy playing blues guitar, surfing and spending time with my wife and three kids.
As Pacific Wealth Management’s operations manager, I am responsible for overseeing our business operations and compliance while also providing general service to our clients. I have extensive experience in the RIA space and pride myself on staying up-to-date with our technology and general firm practices to ensure we continuously provide the highest level of service to our clients.
I was born and raised in Massachusetts and obtained my bachelor’s degree from the University of New Hampshire. Additionally, I hold the FINRA Series 65 Uniform Investment Advisor license. When I’m not in the office, I enjoy traveling and spending time with my husband and two kids.
I began my investment career in 1992 and have been a member of the Pacific Wealth Management team since its formation. As Portfolio Manager and Investment Policy Committee member, I monitor our clients investments daily to ensure they are properly allocated. I am committed to helping our clients remain informed and produce disciplined investment performance reports of their progress toward their important financial goals.
I received my bachelor’s degree in economics from San Diego State University and Chartered Retirement Plans Specialist® designation from the College for Financial Planning. I hold the FINRA Series 7, 63 and 65 financial services licenses, as well as life and disability insurance licenses (California). In my spare time, I enjoy exercising outdoors and playing golf.
Ready to retire from a prosperous architecture practice, Josh and his wife, Miriam, are looking to secure their financial future in the next chapter of their lives.
63 and 53-years-old | Retired
Goals: Maintain their lifestyle throughout retirement and ensure Miriam’s future is secure.
Josh and Miriam are both enthusiastic and concerned about their upcoming golden years. Josh is retiring after building a prosperous architectural firm, while Miriam successfully raised two children.
Although they prudently saved over $5 million in liquid assets, they are concerned about having enough to last both their lifetimes. Ten years younger than Josh, Miriam has always let him manage their finances.
At Pacific Wealth Management, we work with couples considering or already in retirement to ensure they maintain their comfortable lifestyle throughout their retirement. Our comprehensive financial planning process will help make sure their legacy efficiently passes, as they intend, to their children.
A young, very successful corporate executive, Elliot is looking for a wealth management firm to oversee his growing net worth.
35-years-old | Corporate Executive
Goals: Manage RSU’s and stock options, as well as screen start-up opportunities.
At 35, Elliot’s career has always been on the fast track. Having benefited from his employer’s significant stock appreciation over the past 10 years, Elliot made his first million in his 20’s. After accumulating over $4 million, managing his financial wealth has never been his top priority. He enjoys the excitement of start-up companies and the opportunities they present.
Pacific Wealth Management works with young, successful executives like Ryan to preserve their well-earned prosperity, providing a disciplined plan and a team to implement it. Our proactive communication effectively keeps them informed of their progress and in control of their financial world.
In the process of completing an emotional divorce, Sophia was looking for a wealth management firm with a fiduciary approach to protect her future.
42-years-old | Law Firm Administrator
Goals: Protect her interests and secure her future after divorce.
Winding down a challenging and emotional divorce, Sophia was looking for a firm that offered the support, education and discipline necessary to take back control of her financial future.
Like most individuals, Sofia did not anticipate her marriage ending in divorce. With a successful career as a law firm administrator, it felt comfortable for her husband — a wealthy real estate developer — to manage their financial affairs. Now, she is interested in assembling her own team, acting as her fiduciary, to take charge of her finances.
Pacific Wealth Management embraces the higher fiduciary responsibility that comes with being an independent advisory firm, aligning our objectives with our clients and working within a compensation model that ensures we act in their best interests.
Anticipating the sale of their business, Ethan and Jenna were searching for an advisory firm to help them navigate the transition.
58 and 56-years-old | Medical Device Company Owners
Goals: plan for their company’s sale and maximize tax efficiencies.
As they prepared for the upcoming sale of their family’s business, Ethan and Jenna began to feel uncomfortable with the prospect of transitioning into a much higher level of wealth. They knew they needed an advisory firm experienced in the complexities of high net worth wealth management.
Pacific Wealth Management is experienced at working with individuals who have accumulated significant wealth from a liquidity event, such as the sale of a business. The intricacies of reaching your lifestyle goals before and after retirement are often challenging and complex. Our disciplined planning process is transparent, providing clients with a clear understanding of every aspect of their financial life.
This consistent approach provides clients with confidence and a sense of trust. Our comprehensive wealth planning ensures each important financial decision is intelligently analyzed, deliberate, complementary and always in your best long-term interest.
Before you decide to work with us, all prospective clients are invited to three, no-obligation meetings where you will receive actionable recommendations and in-depth insight into how we can help you achieve your goals.
Our first meeting is all about getting to know one another. We are interested in who you and your family are and where you want to be. We will gain a comprehensive understanding of your past, present and future financial goals. During this time, you’ll also learn more about our team, capabilities and fee structure.
In the second meeting, we'll explore opportunities to expand on your goals, as well as identify any gaps in your current strategy. Then, we'll refine your financial plan, evaluating potential scenarios so you understand how your finances may be impacted. Afterwards, we'll review your investments, identify your optimal risk tolerance and share our investment research resources.
In our third meeting, we'll review and discuss our recommendations and implementation strategy, providing you with a retirement viability analysis that includes your estimated probability of success. Our goal is to offer you a clear vision of where you stand and ways you can secure your future throughout your retirement.
Start the Conversation
We’ll meet with you quarterly to stay up-to-date on your life, as well as keep you informed of your progress towards reaching your objectives.
Every aspect of your financial life will be evaluated and analyzed in order to design sound strategies for you to achieve your current goals and fulfill your future needs.
From your current life circumstances to changing tax laws, we will constantly review and make adjustments to your financial plan to ensure it is optimized at all times.
The intricacies of reaching your lifestyle goals before and after retirement are always challenging and often complex. Pacific Wealth Management’s in-depth approach to financial planning helps you begin this vital process.
Our comprehensive financial planning will provide you with a clear understanding of every aspect of your financial life — enabling us to optimize your path towards achieving your goals. This allows you to spend more time on the things you care about most.
We embrace our role as your chief financial officer, ensuring each financial decision is intelligently analyzed, deliberate, complementary and always in your best long-term interest. As life circumstances evolve, we will be there to provide counsel and help you make informed planning decisions.
Cash Flow Analysis
Risk Management & Insurance Needs Analysis
Regardless of where you are in your career, it’s important to start planning for your retirement as early as possible. As we all know — life can be expensive, and an increased lifespan means we need even more resources at our disposal if we want to live comfortably beyond our employment.
Pacific Wealth Management’s retirement planning process begins with a focus on your goals — before diving into the numbers — to ensure we have a clear vision of your priorities. We then utilize industry-leading financial planning tools and expertise to build a retirement plan designed for you, ensuring the life you always envisioned becomes a reality.
Navigating Social Security, Medicare and health insurance are additional ways we help our clients gain peace of mind in one of life’s greatest transitions. Your vision of a secure retirement is within reach; sound guidance will lead you to the retirement lifestyle you deserve.
Executive compensation has grown more complex over the past decade.
Pacific Wealth Management has extensive experience serving clients who receive equity compensation in the form of stock options, restricted stock units (RSUs), restricted stock awards (RSAs) and performance-restricted stock.
We advise our clients on the many intricacies of executive compensation including:
Begin your Financial Plan Now
Pacific Wealth Management’s investment strategies are grounded in wealth preservation:
Based on comprehensive research, continual market evaluation and nearly 4 decades of management experience.
Focused on objective diversification, utilizing traditional and alternative investments to effectively manage risk.
Actively participates in growth-oriented assets when risk is low and reducing exposure to growth assets when risk is high.
Redeploys defensive assets back into growth opportunities when risk and valuations become more attractive.
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