What We Do
At San Diego Wealth, we have taken an innovative and creative approach to the traditional financial planning and money management model by broadening our planning to include:
1. YOUR LIFE PLANPicture a book about you: A book about who you are. One that tells the story of where you are going in life. A book rich with goals, aspirations, inspirations, calendars, timelines, communities, destinations, fun stuff you love, and more. Imagine all these riches flowing together as a plan for your life.
That’s your life plan: A living document that changes when you change. That reflects everything you have and everything you imagine you could have. Something that is always available to dream with, to reflect on, and to share with your loved ones.
Keep your life plan on the coffee table, the kitchen counter, or your nightstand in the bedroom. It’s always there. Always a gentle, yet powerful reminder for what’s possible for you.
2. YOUR FINANCIAL PLANWith your life plan in place, we create your financial plan, which shows how all that is embodied in your life plan can be supported. Your financial plan shows how your money can flow in and out of your life. How it can be used and apportioned. How you should budget and how you should spend. How much you will have at any point in time with assumed levels of potential gain and loss in your portfolio.
With your financial plan, we help prepare you for anything. We support and guide you through all of life’s twists and turns.
3. YOUR INVESTMENT PLANWe create your investment plan to help grow your financial resources so you can realize all that you desire in your life plan. We base our investment recommendations on our core beliefs about markets, diversification, and investment trade-offs, as well as the industry experience and academic research that inform these beliefs.
We offer a full suite of global equity, fixed income, and alternative strategies to build a comprehensive investment solution that moves in lockstep with your goals and risk preference. We also provide the education, analytical tools, and other resources that can help enhance your investment experience with us.
4. YOUR ADVANCED PLANAfter we have completed your life, financial, and investment plans, we take a deeper, more comprehensive look at how we can best help you grow, preserve, transfer, and use your wealth for its highest purpose.
Growth: Beyond positioning your investable assets in the appropriate portfolio, we seek to minimize the tax impact on your investment returns while attaining the cash flow you need, along with other strategies to help you enhance your wealth.
Protection: We proactively address your concerns about preserving your wealth against catastrophic loss, creditors, litigants, children’s spouses and ex-spouses, and identity thieves.
Transfer: A major area of financial concern beyond investments is wealth transfer, or taking care of your heirs. We help find and facilitate a smart and tax-efficient way to pass assets to your spouse and succeeding generations in ways that meet your wishes.
Special interests: Our team and strategic partners can help you reap the rewards of deep, lasting client relationships. We provide guidance and resources to assist you with charitable giving. Our guidance will encompass all the issues related to fulfilling your charitable goals in the most impactful way possible and can support efforts in other areas of concern.
We want to empower you to live your most inspired life. To challenge yourself to live your dreams and bring into being the life of greatest meaning to you and those around you. To live life abundantly and with purpose. And this is how we do it:
We start with a deep dive in our first meeting with open-ended questions and wide-open exploration.
We continue with thought provoking exercises that help you begin to paint a picture of what is really your heart’s desire. A vision emerges and we mirror back to you what could be possible and you find yourself excited for what’s ahead.
As the vision takes hold and you can picture your inspired future, we help you tackle the things that might be standing in the way and integrate your resources to make this vision a reality. With our support and encouragement, you come away with renewed energy and vitality to push through to your dream.
Next we craft the plan and help you best invest your resources to lay the foundation of your plan that, step by step, will accomplish your goals.
We put the plan in motion and you take action on each of the steps in your plan until they are accomplished and you are living your plan.
*We use a combination of materials, tools and systems from both The Kinder Institute of Life Planning and Money Quotient.”