About Us

We know clients often find it hard to differentiate one financial firm from the next. It can feel like we all walk, talk, and dress the same. Next time you're at a family function or cocktail party, we want you to be able to clearly articulate why you work with Trifecta Wealth Management.

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The Trifecta Approach: Purpose, People, Process

We start with you, not your money. What are you working toward? Who are you doing it for? What matters most to you in retirement and beyond? That is Your Purpose: understanding what your money is actually for.

Then there are Your People. Every financial decision you make affects the people you love. We plan for your family, not just your portfolio. That includes estate considerations, protection planning, and the legacy you want to leave.

Our Process brings it together: a coordinated approach across investments, retirement income, tax strategy, estate considerations, insurance, and cash flow, approached as one integrated plan and revisited as your life evolves.

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No More Than 100 Families Per Advisor

We deliberately keep our practice small. By limiting each advisor to fewer than 100 households, we're able to offer a high-touch, white-glove experience that's increasingly rare in wealth management today.

When you work with us, you work directly with the advisor you met, not a service team you get handed off to. That means direct access, deeper familiarity with your goals and family situation, and a level of attention that simply isn't possible at scale.

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A holistic approach

Through our affiliation with LPL Financial and our dedicated HNW planning team, we have access to the kind of planning depth that complex financial lives may require, without giving up the personal relationship that makes it meaningful.

That includes capabilities across investment consulting, tax-efficient investing, income tax planning, advanced estate planning, insurance planning, charitable giving strategies, executive compensation planning, concentrated stock risk management, alternative investment solutions, banking and lending, and business sale and succession planning.

Not every capability applies to every client. Availability of specific resources and services depends on your individual situation, eligibility, and the scope of your engagement with Trifecta Wealth Management.

Our Approach

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Meet the Team

Chad Waters

Owner and CEO

Located in Del Mar, CA, I have been serving families in Southern California with impactful financial planning for over a decade. I began my career at one of the largest firms in the industry, where I specialized in building customized investment strategies to help my clients accomplish their most important financial goals.

Heather St. Amour

Branch Operations Manager

My journey into the financial industry began with a deep belief in the value of thoughtful planning and a passion for helping others. While it’s often said that money can’t buy happiness, I see it as a powerful tool that can enable people to pursue what truly brings them joy.

Check the background of this firm on FINRA’s BrokerCheck.

Our Story

Trifecta Wealth Management was built around a simple idea: that clients should not have to choose between a deeply personal advisory relationship and the resources to back it up.

From the beginning, the goal was to build a practice that offers the white-glove attention of a boutique firm alongside the research, technology, and infrastructure of a Fortune 500 institution. Every decision made along the way was made in service of that vision. Here is how we got there.

2003

Moving Across the World

Chad and his mother embarked on a remarkable journey, leaving South Africa to begin a new chapter in Kentucky, USA. They joined his stepfather, a native of Kentucky.

2009

Family and Financial Crisis

As Chad began college during the 2008 financial crisis, he learned his mother was divorcing. This news amplified his financial insecurity and uncertainty about his family's future. Unbeknownst to him, this period of instability would plant the seeds for his future career in finance.

2013

Choosing Finance

While pursuing his MBA and immersing himself in finance coursework, Chad received a call from a close friend with an exciting opportunity. His friend wanted to introduce him to a General partner at one of the industry's largest financial services firms. This pivotal connection would ultimately pave the way for Chad to enter the industry.

2015

Entering the Industry

In 2015, Chad relocated to California to embark on his career with one of the most recognized financial firms in the industry. There, he meticulously built his practice from the ground up, dedicating himself to guiding clients towards pursuing their financial goals.

2021

Expanding the Team

When Chad was in search of a new branch administrator, he encountered Heather, a seasoned professional with 20 years of experience in the financial services industry, who was ready for a new challenge.

Their collaboration quickly revealed a shared vision: a deep commitment to client-focused service, the desire to make a meaningful impact in clients' lives, and a dedication to delivering an exceptional client experience.

2023-Present

Trifecta Wealth Management

In 2023, Chad recognized the importance of a practice uniquely designed around the distinct needs of its clients. He envisioned a brand that would seamlessly align with client expectations while offering access to an expansive suite of resources and cutting-edge technology.

This vision led to the creation of Trifecta Wealth Management. With the support of LPL Financial, the largest independent firm in the country, Chad was able to bring his vision to fruition.

Let's look at your financial picture together, and see whether your plan fits your current phase of life.

Get a Second Opinion

It is complimentary, with no obligation. If we are not the right fit, we will tell you honestly.

Prefer to call?

+1 858-703-6033

Important: Trifecta Wealth Management does not provide tax or legal advice. We work in close coordination with your CPA and estate attorney to work to help align your investment and financial planning considerations with your overall tax strategy. This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

The HNW service is offered on a case by case basis. Please let us know if you would like to explore this service offering.