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I want to help you protect + grow your wealth THROUGH RETIREMENT.

About

Founded in 2017, WealthBuilders specializes in helping individuals protect and grow their wealth through retirement with a tax-smart wealth plan.

Business hours

Monday – Friday
8:00 AM – 4:00 PM (PST)

I look forward to responding to your message within 24 business hours, Monday – Friday, 8 AM – 4 PM PST. Thank you for your patience!

Frequently Asked Questions

Why should I hire wealthbuilders?

The information is out there, but do you have the time, expertise, and risk tolerance to tackle your situation? How do you prioritize goals? How do you uncover needs that might be overlooked? Have you identified your blind spots?

As humans, we face many psychological biases that prevent us from achieving financial success. One of the primary reasons for this is the emotional aspect of managing your money. We will help design wealth management strategies that will maximize your returns given your comfort level with investment risk and minimize taxes. Beyond returns, we can look at ways to help you reduce your expenses, reduce risks and get on the right side of compounding interest.

As an independent financial planning practice, WealthBuilders is set up to avoid conflicts of interest. You should hire us if you are looking to reduce financial stress and for peace of mind with your money through retirement.

Who is your typical client?

We work with individuals and families who are approaching or are in retirement. Our best-fit clients are age 50+, have a portfolio of at least $1,000,000 and want to delegate their wealth management so they can focus on what they love to do in retirement.

If we can’t work with you, we’ll do our best to answer any questions you have and point you to someone who can. Please don’t hesitate to reach out today to see what’s possible

What is your investment philosophy?

We believe in evidenced-based investment management. I don’t believe that you can beat the market, but, that you should get market rates of return. I believe in keeping your investment fees as low as possible, harvesting losses when applicable, and rebalancing when appropriate.

We believe you should focus on the things you can control, like how much risk are you comfortable with, using compounding growth to its full potential, and minimizing your taxes.

Who is NOT a good fit for WealthBuilders?

If you believe that you can beat the market, want to time the market, or, want to pick “cocktail” stocks.

If you don’t align with our evidence-based strategy and opt for speculative investments or options trading, we probably are not a good fit for each other.

Do I have to come into your office?

No. We can meet virtually over Zoom, telephone, or whichever method of communication is convenient for you. That said, if you are in the San Diego area and prefer in person, we can offer this at our North County office.

What is a fiduciary?

A fiduciary has the highest ethical obligation to put your interests ahead of their compensation and any other considerations. We are fiduciaries – this is a fundamental value of ours and we wouldn’t have it any other way.

Do I have to pay for the first meeting?

No. We believe that everyone should have access to a qualified independent financial advisor. Thus, the first meeting will be free. So bring your financial questions with you. If we aren’t a good fit to work together, we will point you in the right direction.

Do you work with people outside of California?

Yes. We work with clients who live across the country. No matter where you live in the US, we can work together. We are currently registered in California, but we can provide services in other states as well.

Do you have Investment account minimums?

We do have an account minimum for investment-only clients which starts at $1,000,000 of investable assets.

How do you get paid?

We are a fee-only financial planning firm, which means our only compensation comes from the services we provide to you. We do not get paid any commissions, kick backs, “trails,” or any other fees other than from the fees we charge you. We are held to the fiduciary standard, which means we have to act in your best interest regardless of the compensation we receive. We believe this is the fairest form of compensation and aligns our interests with yours.

Why work with a Certified Financial Planner™?

Financial planners with their CFP® certification are held to a higher standard than any other advisor who is not certified. There are four pillars (Education, Examination, Experience, and Ethics) that a planner must satisfy before he/she is allowed to become a CFP®. Simply put, CFP® professionals have the expertise to develop a financial plan for you and are held to a fiduciary standard of care to act in your best interest at all times.

Is my money safe?

Your money is held at a custodian bank like Betterment or Altruist which is insured by the SIPC for up to $500,000 per account type and are protected against losses resulting from the failure of the broker-dealer. Please note, unlike FDIC insurance for banks, SIPC does not protect against losses due to normal swings in the market. An explanatory brochure is available at http://www.sipc.org.

Have any other quesitons?

Feel free to reach out, I’m here to support you.

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