Strategic Wealth Management Built Around You
From financial planning to investment management, we customize strategies that align with your goals, taking into consideration your cash flow needs.
Your comprehensive financial plan will integrate all areas of your financial life into a single, coordinated strategy through the following services:
Cash Flow & Balance Sheet Management
We help you understand where your money is going and how everything fits together, creating clarity and better day-to-day decision-making.
Investment Management
We manage your investments with your bigger picture in mind. As your goals change over time, we stay engaged, making thoughtful adjustments so your portfolio continues to support what matters most.
Retirement Planning
Financial independence, what many call retirement, is a central part of your plan. We help you understand what you’ll need, coordinate your savings, retirement accounts, and Social Security, and design tax-smart strategies to support a reliable income for the years ahead.
Tax Planning & Coordination
Palomar Advisors proactively minimizes your tax burden through smart planning, tax-efficient investing, Roth analysis, strategic distributions, charitable giving, and ongoing coordination with you and your tax professional.
Estate & Legacy Planning
We give estate and legacy guidance to help protect your family, preserve wealth through estate tax planning, and transfer assets according to your wishes. Included are beneficiary reviews, trust and will coordination, and legacy planning across generations, done in collaboration with your estate planning professional.
Philanthropic & Charitable Planning
“Give Generously,” “Invest Wisely” and “Live Abundantly” are not just buzzwords on our website landing page.We help guide you to give intentionally and tax-efficiently through donor-advised funds, charitable trusts, and legacy giving strategies that reflect your values and care for others, so that you can experience the tremendous joy of giving.
Risk Management & Insurance Planning
Every plan is subject to risks.We evaluate your life, disability, long-term care and liability insurance, with a focus on ensuring appropriate coverage for you so that your financial stability will be maintained through any unexpected events.
Family Office-Style Coordination
We serve as a steady guide, working closely with your CPA, attorney, and other advisors so everything stays connected and moving in the same direction.
Ongoing Advice & Accountability
Financial planning is an ongoing process. We proactively update your plan and provide tax guidance to help minimize taxes and give you the confidence to make smart financial decisions year after year.
Business Exit Planning
For many business owners, the business is their largest asset and the most significant driver of long-term financial independence. Exit planning is not a single event but a strategic process that should begin years before a transition occurs. Our exit planning approach is fully integrated into your personal financial plan and focuses on the following, so that you will confidence in your transition:
- Clarify Exit Goals – we help you define what a successful exit looks like financially, personally, and professionally to you.
- Business Value & Value Optimization – A successful exit starts with determining the current value of your company and uncovering ways its value can be enhanced. Included in our valuation is an addressing of factors that impact marketability and transferability.
- Transition Options – we guide you in evaluating your various options for the one that is best: internal succession, family transfer, management buyouts, or third-party sale.
- Timing & Financial Readiness – We work with you to align exit timing with retirement goals, lifestyle needs, and post-exit income planning.
- Tax-Efficient Transition Strategies – We coordinate with tax and legal advisors to reduce taxes and preserve wealth at exit.
- Acquisition – From attorneys to M&A firms to accountants, we also coordinate the actual acquisition process from beginning to end, so that there is always a central point of guidance and oversight.
- Next Stage in Your Life – have financial and tax strategies so that the wealth you have earned will meet your future income, investment, purpose and legacy needs.
Why Financial Planning For You Matters
Know Where You’re Headed
A financial plan helps you get clear on what you want your money to do for you. It gives you a sense of direction: where you are today, where you want to go, and what steps will help you get there, so you’re not just reacting as life happens.
Get Everything Working Together
Most people’s finances are spread across a lot of moving parts. A financial plan pulls everything together into one coordinated picture, making it easier to understand and easier to manage, without feeling overwhelming.
Make Confident Decisions
When you have a plan, decisions feel less stressful. You can weigh options, manage risk, and stay grounded during market ups and downs, knowing your choices are connected to a bigger picture.
Stay on Track as Life Changes
Life doesn’t stand still, and neither should your plan. A good financial plan helps you take action today while staying flexible as your priorities, family, or business evolve over time.
Your Next Step Starts Here
Financial planning doesn’t have to be overwhelming. Let’s talk about how we can help you plan with clarity and purpose.