Tax-savvy, client focused advice
Evidence-based advice to safeguard your financial future and realize your dreams.
We are family-owned, independent financial advisors with office locations in Carlsbad, San Diego, and Sacramento, CA.
Our niche is exactly who we are: business professionals and entrepreneurs with a major emphasis on the importance of family. We work with business owners, entrepreneurs, dental professionals, and neurodiverse families to develop a tax-savvy, goal-oriented financial plan.
What we do
Integrated advice.
Collaborative solutions.
At Vistica Wealth Advisors, we believe everyone deserves finances built to last, with unmistakable evidence delivered by financial advisors who truly care.
Enhancing wealth
Minimize taxes
Protecting assets
Reinforcing your legacy
Charitable giving
.webp)
How can we help?
Is your focus on your family, your legacy, your community or something else?
Is it achieving a work / life balance?
Taking time to travel or doing charitable work? What do you think will bring you contentment?
Is retirement something you value or do you want to continue working for as long as possible?
Do you want to spend more time with your children and grandchildren? Are charitable activities at the top of your list?
Is your primary concern not running out of money and maintaining your quality of life for you and your loved
ones?
How much risk can you tolerate and do you need to take to reach your financial goals?
Frequently
Asked Questions
Yes, we are a fiduciary. Because Vistica Wealth Advisors is a Registered Investment Advisor (RIA), we are required to put the interests of our clients before our own when providing advice. In contrast, advisors who work for brokerage firms or insurance companies may not need to act in your best interest and may recommend solutions that are only “suitable”.
Yes, we are registered with the United States Securities and Exchange Commission (CRD No. 147297).
Vistica Wealth Advisors provides fee-only financial planning and investment management services. We have several different fee options such as a tiered schedule based on assets under management, flat fee for certain services/agreements, as well as an hourly consulting rate for financial planning. The fee schedule or arrangement is agreed-upon on an individual basis prior to relationship engagement.
We don’t have an asset minimum; we accept clients at all asset levels. We do have an annual fee minimum of $12,500 per year for our ongoing services, which can be paid from accounts we help you manage or through a bill pay service.
Our advisors hold various designations and academic credentials. You can review our qualifications and experience on the Who We Are page.
There are multiple layers of protection to safeguard investor assets. These layers of protection include (1) brokerage firms must meet minimum net capital requirements to reduce the likelihood of insolvency, (2) brokerage firms must keep customer securities and cash segregated from their own securities and cash (SEC Rule 15c3-3), and (3) brokerage firms are required to be members of the Securities Investor Protection Corporation (SIPC), which insures customer securities accounts up to $500,000. We primarily use Charles Schwab to establish and hold client investment accounts. Here is a link describing the safeguards Schwab takes: https://www.schwab.com/legal/account-protection
We provide a comprehensive suite of services, all included in your annual planning fee. The services we provide are discussed here.
Yes, we provide an agreed upon and written Investment Policy Statement and financial plan. Your financial plan is a living document with which you have the ability to monitor and make adjustments online through your Client Portal. Each of our clients’ plans are personally crafted on their ability, willingness and need to take investment risk, financial intentions and goals, investment and income resources, tax and estate planning concerns, and socio-economic preferences. These documents are revisited at least annually to ensure all inputs and ongoing objectives remain relevant.
We are committed to an evidence-based investment methodology. Decades of peer-reviewed academic literature and research guides our recommendations. We will help you ignore the market’s uncontrollable elements and maximize those that can be managed – such as reducing costs and helping to improve after-tax investment results through proper asset location. We manage investment risk with global diversification as the starting point and balance the diversification policy with an allocation to high-quality fixed income and alternative investments for some. We manage the portfolio in accordance with the agreed upon Investment Policy Statement and Financial Plan.
We primarily work with Charles Schwab. If your accounts are already at Schwab, great! If not, we can help you with establishing accounts at Schwab and transfer your assets in-kind.
Yes, financial planning is a major part of our day-to-day work for clients. Please find the comprehensive suite of services we provide here.
We have a very high retention rate of our clients. If for any reason you wish to terminate the relationship with us, there is no fee or penalty to do so. You’ll simply remove our Limited Power of Attorney authority on your Charles Schwab accounts. We will aid in the transfer of accounts and anything else you may need for a smooth transition.
If opportunity doesn’t
knock, build a door.
