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Best Financial Advisors in Encinitas

2024

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Providers

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Website
6120 Paseo Del Norte Suite L-2, Carlsbad, CA 92011
  • Retirement Planning
  • Tax Planning

Why choose this provider?

Guide My Finances serves individuals and families in Encinitas. It offers financial planning services that help build and maintain personal wealth to cover house purchases, college costs, and retirement. Its team analyzes assets and identifies strategies to make money last. It also manages investments to maximize returns with low risk. Guide My Finances has strategic inheritance planning solutions to prevent mismanagement. It is headed by Jackie Mazur, a Certified Financial Planner and Certified Divorce Financial Analyst who has been in the industry since 2003.

License Verified:

License: 289013

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12348 High Bluff Drive Suite 200, San Diego, CA 92130
  • Certified Financial Planner (CFP)

Why choose this provider?

BWM Financial is an independent company that offers services in Encinitas and nearby locations. It caters to business executives in the technology and biotech industries, providing comprehensive financial planning solutions. The full-service firm helps clients achieve financial stability through investment management and legacy and retirement planning. Its agents also deal with CPA or legal and tax planning assistance. President Jeff Brown has been in the financial services industry for more than two decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5580 La Jolla Blvd #74, La Jolla, CA 92037
  • Estate Planning
  • Certified Financial Planner (CFP)
  • Tax Planning

Why choose this provider?

Softwealth is an investment advisory firm that serves the Encinitas area. Its financial planner, Brian Lowrance, advises people on ways to utilize their wealth in order to address their needs. His comprehensive plans cover different areas of clients’ financial lives, including college funding, estate, home purchasing, investments, and retirement. He processes documents through a secure digital method and utilizes app- and web-based financial management software. Lowrance started his career in the financial services industry working for Wall Street firms.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Website
5946 Priestly Drive, #200, Carlsbad, CA 92008
  • Retirement Planning
  • Tax Planning

Why choose this provider?

Aldrich Advisors is a local firm that has been serving clients in Encinitas for over 40 years. The company provides a wide range of services, which include business advisory, retirement planning, wealth management, and employee benefits. Its team also equips companies with accounting systems that drive sound business decisions. Aldrich Advisors is committed to supporting local causes, including the San Diego Food Bank, the YWCA, The Salvation Army, and the North County Health Services.

License Verified:

License: 147200

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.7 / 5 (14)
Yelp
2.0 / 5 (4)
Google
3.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12555 High Bluff Drive, Suite 205, San Diego, CA 92130
  • Estate Planning
  • Certified Financial Planner (CFP)

Why choose this provider?

Mohr Financial Group is a team of investment consultants, wealth advisors, and retirement investment planners that serve Encinitas. Backed by over 75 years of combined experience, the team helps clients in managing wealth, planning finances, building legacies, and preparing for life's unexpected events. They perform trademarked solutions such as Lifetime Income Model, The Financial Second Opinion, The Integrated 401(k), and The Integrated Business Alliance. One of its professionals, Michael Mohr, is a CFP and member of IAFP.

License Verified:

License: 284656

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)
Google
5.0 / 5 (3)

Website
12520 High Bluff Drive, Suite 120, San Diego, CA 92130
  • Certified Financial Planner (CFP)

Why choose this provider?

Overland & Shanahan Wealth Advisors, Inc., caters to corporate executives and business owners in Encinitas and the surrounding communities. Services offered include personalized financial planning, investment and tax management, investor behavior coaching, education expense estimation, estate and retirement planning, and insurance review. The firm helps clients navigate the various aspects of their financial lives. Managing partner Michael Shanahan is a Certified Financial Planner and Accredited Investment Fiduciary. From 2020 to 2021, he was named among Forbes' Best-In-State Wealth Advisors for Southern California.

License Verified:

License: 133505

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12626 High Bluff Drive Suite 440, San Diego, CA 92130

Why choose this provider?

Presidio Capital Management is a company that caters to customers in the Encinitas metro and the surrounding areas. It helps individuals achieve financial independence by offering planning services. Its process involves learning about the clients' personal situation and goals and formulating customized strategies, managing their portfolios, and helping them make informed investment decisions. Dustin TenBroeck, the firm's president, has been working in the financial services industry for more than 15 years. He holds the Certified Financial Planner designation.

License Verified:

License: 304501

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2888 Loker Ave East Suite 320, Carlsbad, CA 92010
  • Tax Planning

Why choose this provider?

Seaside Financial & Insurance Services is an advisory firm established in 1994. It helps individuals, businesses, and families in Encinitas preserve and build their wealth. Services offered include financial planning, investment advice, portfolio management, and tax and estate planning. It deals with matters concerning 401(k), defined benefit, and profit-sharing plans, 529 college savings, and IRA accounts. Shawn Orser, the company's president and CEO, holds a Finance degree and brings a decade of experience working for Wall Street firms like Titan Capital and Merrill Lynch.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
125 South Highway 101, Suite 101, Solana Beach, CA 92075
  • Certified Financial Planner (CFP)

Why choose this provider?

Root Financial Partners is an advisory firm that caters to clients in Encinitas. It works with individuals looking to protect, save, and grow their assets. Its professionals consult the individuals to identify their goals and retirement plans, creating a custom strategy to achieve their financial goals. They provide ongoing communication to track the progress and aim to ensure that the clients stay on track to reach their objectives. The firm has been featured in numerous publications, including Yahoo! Finance, Investopedia, and Nasdaq.

License Verified:

License: 290289

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (28)
Google
5.0 / 5 (23)

Website
3655 Nobel Dr, San Diego, CA 92122
  • Private Wealth Advisor

Why choose this provider?

EP Wealth Advisors caters to clients in Encinitas. The company offers a wide range of financial advisory services, including financial planning, investment management, tax planning, charitable giving, business planning, and life transition planning. Its financial advisors focus on income, expenses, investments, and insurance plans in assessing its client's financial situation. The team also offers financial advice to individuals facing divorce and retirement. The company has been featured in various media outlets such as Forbes, CNBC, and The Financial Times.

License Verified:

License: 111147

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
120 Birmingham Drive, Suite 240F, Cardiff by the Sea, CA 92007
  • Estate Planning
  • Tax Planning

Why choose this provider?

Seawise Financial serves individuals, families, and small business owners in Encinitas and the surrounding areas. Retirement plan allocation recommendations, savings and cash flow planning, real estate and insurance review, employee stock option analysis, and comprehensive financial plans that prioritize the client's goals are all services provided by the firm. It also offers low-cost and tax-efficient investment vehicles, as well as professionally managed portfolios and ongoing monitoring and rebalancing. Timothy Kenney, the company's founder, has over 22 years of experience in the industry.

License Verified:

License: 298012

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
285 N. El Camino Real Suite 215, Encinitas, CA 92024
  • Tax Planning

Why choose this provider?

Campbell Wealth Advisors helps individuals in the Encinitas area achieve financial security. It provides clients with financial planning, retirement planning, tax planning, and investment management services. Its team works with clients, discussing their financial objectives and developing a plan tailored to their needs. Clients can have their financial plans reviewed annually and meet with the team quarterly to safeguard their wealth. Campbell Wealth Advisors also helps clients with their social security and insurance needs. Wealth advisor Carla Campbell is a Certified Financial Planner.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8465 Regents Road #201, San Diego, CA 92122
  • Certified Financial Planner (CFP)

Why choose this provider?

Parabolic Asset Management works with individuals in Encinitas looking to grow and protect their wealth. Its founding partner, Rainier Trinidad, is a certified financial advisor who has been in the industry for over 20 years. He offers financial planning services to allow clients to forecast and increase their probability of having a lasting retirement. This solution involves risk management, asset allocation, and tax-loss harvesting. Trinidad also served on the board of directors at the Rotary Club of Coronado.

License Verified:

License: 171206

Investment Adviser Public Disclosure Database, SEC

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (20)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    There are many titles for financial professionals, so it's challenging to track what each one means. A financial advisor is probably the term you've heard most often. Financial advisor is a broad term for a professional who helps individuals or companies manage their finances, including investment choices. There are over 100 certifications that financial advisors can obtain.

    • Financial planners, wealth managers, and investment advisors are all financial advisors with different focus areas.
    • A financial planner helps an individual or a company make a plan to achieve long-term financial goals.
    • A wealth manager helps individuals maintain their wealth through various disciplines and services, such as taxes, estate planning, and investment advice.
    • An investment advisor offers investment advice and recommendations to individuals or organizations.
    There’s a misconception that you have to be extremely wealthy to use a financial advisor. In reality, they can be beneficial for people from any income level. Keep reading to find answers to the most commonly asked questions about financial advisors, so you know which type can fit your specific needs.

  • Who is eligible to make contributions to the Coverdell Education Savings Account (ESA) in Encinitas?

    Anyone in Encinitas, including the ESA recipient, who earn less than $110,000 in Modified Adjusted Gross Income (MAGI) for single tax returns or $220,000 for joint tax returns are eligible to contribute to the account. Contributions from trusts and companies are also allowed with no income restrictions. The contribution limit gradually decreases if the contributor's MAGI falls within the range of $95,000 to $110,000 for individual tax filers (or $190,000 to $220,000 for joint tax filers).

  • Is it possible to create multiple ESAs for the same individual in Encinitas?

    Yes. In Encinitas, there is no restriction on the number of individual ESAs that can be produced for a single person. However, it is crucial to be aware that the beneficiary's total ESA contributions as well as the combined payments from all contributors to these accounts should not surpass $2,000 annually.

  • What are the benefits of retaining your assets within your former employer's current 401(k) plan in Encinitas?

    Keeping your assets in your former employer's current 401(k) plan in Encinitas offers several benefits:

    • The plan may provide investment options that suit your preferences.
    • It could have lower administration and investment fees compared to other options.
    • You retain the flexibility to roll over funds at a later time.
    • If you are between the ages of 55 and 59 ½ and have left or lost your job, you may qualify for penalty-free withdrawals.
  • What are the drawbacks of taking out 401(k) loans in Encinitas?

    401(k) loan drawbacks in Encinitas include:

    • Opportunity cost: Borrowed money misses potential higher 401(k) returns.
    • Job loss risk: Unpaid 401(k) loans are treated as taxable distributions with a 10% penalty if you're under 59½ years old. You have five years to repay a plan loan after job loss or changing jobs.
    • Red flag alert: You might be overspending if you are using retirement funds for current expenditures. Paying off high-interest credit cards saves money, but rising balances can worsen financial hardship.
  • What can you do to improve your credit score in Encinitas?

    To improve your credit score in Encinitas, here are some things you can do:

    • Check your credit report for errors on annualcreditreport.com
    • Focus on resolving charge-offs, late payments, and collections listed on your credit report.
    • Reduce credit card debt below 30% limit.
    • Retain your oldest card. A longer positive payment history enhances your score.
    • Make small purchases on credit cards with zero balances and promptly pay them off.
    • Pay credit card and utility bills on time.
  • Are financial advisors worth it?

    Whether or not a financial advisor is worth it depends on your personal situation. If your finances are fairly straightforward, then you may be better off handling it on your own. But if you have substantial assets or a complex investment portfolio, then hiring someone to handle it for you can be well worth the cost.

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