CWT is a boutique financial planning and investment firm that specializes in helping high net worth individuals and their families in Southern California.

Financial Planning Ideas You Should Know About

We've built a library of E-books focused on our most helpful financial and tax planning concepts in an effort to educate and inform people just like you!  Below are a couple of our most read topics.  Take a look and see if any of these strategies may be right for you.

The Mega-Back Door Roth

Do you make too much to contribute to a Roth IRA?  This is how smart investors use the rules to fund one.

Avoid Tax Mistakes

Do you own a business?  These are the top 5 tax mistakes we see business owners making.

Top 5 Investor Mistakes

These are the top 5 errors we see most commonly when reviewing new clients' portfolios.

What We Find With New Clients

Accounts In Many Places

  • Finances not organized
  • Can't easily track values of accounts
  • Old 401ks, IRAs, Roths, etc.​
  • Multiple Checking, Saving, and Trust accounts​
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We Help You Clean It Up

  • Account Consolidation; Eliminate redundant accounts and simplify your finances
  • Access to your Personal Financial Dashboard where you can monitor every asset and liability on an ongoing basis​

No Clear Goals Defined

  • If goals are not defined, progress towards them cannot be measured. 
  • Can you answer these questions?
    • How much do you need to retire?
    • What rate of return is required to get you there?
    • How much do you need to save each year?
    • When should you take Social Security?
    • How much life and long-term care insurance should you have?
    • How much can you budget for living expenses and travel when retired?
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We Set & Begin Monitoring Your Goals 

  • Comprehensive Financial Plan and Projection
  • We quantify all of your goals and future expenses
  • We determine your required rate of return and the amount of risk you need to take to achieve it
  • We run scenarios and analysis to determine when you should take Social Security
  • We run projections to show the appropriate amount of insurance coverage you should have 
  • You walk away with confidence knowing you are on track and that if you stick to the plan, your finances will not be an issue in the future

Inefficient Investment Portfolio

  • Returns have not compensated you relative to the risk taken
  • Potential for loss is too high
  • Fees are too high
  • Portfolio is not tax efficient
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We Align Your Investments To You

  • We complete a Full Risk Analysis to find your risk level & compare to your investments
  • Review portfolio for diversification, cost, and after tax returns and make recommendations if the portfolio doesn't fit

Our Team Has a Report Card Worth Bragging About

At CWT we are proud of the work we've done and the clients we serve.  Each new client is an addition to our family and we pride ourselves on providing the highest level of service and advice in the financial services industry.
Advanced Designations
Over
YEARS OF EXPERIENCE

Would You Like To Become A Referral Partner?

Are you a CPA, Estate Attorney, or other Trusted Advisor to individuals, their families, and their business?
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At CWT, we work closely with our clients and their trusted advisors.  If you would like to inquire about becoming a part of our referral team, let us know!

3570 Carmel Mountain Road, Suite 150           San Diego, CA 92130          (858) 707-7260