Wealth Management for Retirees, Executives, and Business Owners in San Diego.

Trifecta Wealth Management does not work with everyone, and that is entirely by design.

By keeping our client relationships intentionally limited to fewer than 100 families, we offer something most advisory firms cannot: genuine depth. We know our clients' full financial picture, their family dynamics, their goals, and their concerns. We are not managing hundreds of accounts. We are serving a select number of families with the attention that kind of relationship requires.

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Retirees (our core clients)

Retirement is arguably one of the most significant financial transitions most people will experience, and the planning does not stop when you stop working. If anything, the decisions tend to become more meaningful over time.
Our retiree clients at Trifecta Wealth Management bring a consistent set of concerns:
  • Will my money last? How much can I spend each year without running out?
  • Am I drawing from the right accounts in a coordinated order to help manage my lifetime tax burden?
  • Is my estate plan current and does it reflect what I actually want?
  • Am I paying too much in taxes on my RMDs, Social Security, or investment income?
  • Who is going to be watching all of this and calling me when something needs to change?
For our retiree clients, Trifecta Wealth Management serves as an ongoing financial partner. We work to monitor, adjust, and stay engaged across the key dimensions of their financial life so they can focus on living it.
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Pre-Retirees (Ages 50 to 65)

The years approaching retirement are arguably among the most meaningful financial planning years of most people's lives. The decisions made in this window, around Social Security timing, Roth conversions, equity compensation, tax positioning, and income structure, can have lasting effects for decades to come.
Our pre-retiree clients are typically senior executives or high-income professionals who are finally asking the question they have been too busy to ask: Am I actually on track?
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Business Owners

Business owners often face a distinct planning challenge. A significant portion of their wealth may be concentrated in their business, their financial life is often intertwined with the business they run, and they frequently have limited time to focus on their personal financial picture.
Trifecta Wealth Management helps business owners build personal wealth alongside their business, plan for an eventual exit or succession, and work toward being better prepared when a liquidity event eventually happens.
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You may be a great fit if:

  • You have $1 million or more in investable assets
  • You are in retirement or within 10 years of it
  • You feel like no one is looking at your full financial picture
  • You want a financial partner who knows your name, your family, and your goals
  • You are based in the San Diego or Del Mar area and value an in-person relationship

This may not be the right fit if:

  • You are looking for the lowest-cost investment option
  • You prefer a fully self-directed approach
  • You are not ready for an ongoing, relationship-based planning engagement

For Clients with Complex Needs

Access to a Team of Specialists

Some of our clients come to us with financial lives that go well beyond investment management. Executives with concentrated stock positions and complex compensation arrangements. Business owners planning for a major liquidity event. Retirees with sophisticated estate planning needs, multi-generational wealth goals, or significant charitable intent.

For these situations, we have access to a dedicated HNW planning team that can help address more complex planning challenges. This team works with clients on issues such as advanced estate and trust planning, concentrated stock and single-stock risk, executive compensation arrangements, business sale and succession planning, alternative investments, income tax planning, banking and lending needs, and financial windfall planning.

Chad Waters remains your primary point of contact. The HNW planning team works alongside us when your situation calls for it. Availability is subject to eligibility and your specific circumstances.

This service is offered on a case by case basis. Please let us know if you would like to explore this service offering.
No strategy assures success or protects against loss.
Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.

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

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