Built for Generations.
Committed to Yours.

Yes. While our roots are in Del Mar and coastal San Diego, we serve clients in more than 25 states. Many of our California client families have adult children, extended family, and residences in other states or abroad, and we are experienced in multi-state financial planning considerations.

We partner with the CPA and estate attorney best suited to your specific needs rather than providing those services in-house. While we are not tax or legal professionals, we play an integral role coordinating your financial picture across those disciplines to support your investment strategy, tax plan, and estate documents. We can integrate with your existing advisors, or connect you with trusted firms if you are looking for a recommendation.

Yes. Many of our clients hold significant wealth in assets we do not directly manage — such as private company equity, deferred compensation plans, employer 401(k) accounts, real estate, or other illiquid holdings. We build financial plans that account for your entire financial picture, not just the assets we manage.

A concentrated equity position occurs when a large share of your net worth is held in a single company, often from stock-based compensation or a long-term holding. Selling highly appreciated securities can trigger capital gains. At the same time, holding a concentrated position creates meaningful risk: a decline in one stock can substantially impair your overall wealth. We help clients evaluate that trade-off and determine an appropriate strategy using diversification, options overlays, and charitable giving.