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Learn how we discover your hard-wired relationship with money →

Our Mission

To act as a guide to help guide people’s lives between the two guardrails of not running out of money and maximizing their quality of life. We combine the skill sets of CFOs and life coaches, supporting clients while they are in the process of meeting their financial goals and facilitating changes that need to be made to ensure those goals are met.

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Equity Compensation for High Income Earners2022-03-15T21:18:21-08:00

Learn topics such as:

  • Should I Participate in My Company’s Employee Stock Purchase Plan (ESPP)?
  • What are the pros and cons of ESPP’s?
  • What are ESPP’s?
  • What are the advantages of ESPP’s?
  • Deferred Compensation: A Plan for Unlimited Retirement Savings
  • Getting the Most from your Company’s Benefits Package
  • Equity vs. Salary Compensation: Which one is better?  A Quick Guide For San Diego Tech Employees
  • Behavioral and Portfolio Risks of Employer Stock Awards – An Opportunity for Planning

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Information for Business Owners2022-03-15T21:18:46-08:00

Learn more about topics such as

  • Tax Law and Year-End Tax Planning
    • Possible changes to net investment income tax for S-Corps
    • Qualified Small Business Stock exemption reduction
    • Potential limited use of active pass-through business losses
  • Simple tax planning tactics to consider now for current year tax savings including
  • More advanced tax planning strategies that high net worth families and business owners should consider including:
    • Qualified plans
    • Qualified Opportunity Zones
    • Qualified Small Business Stock exclusions
    • Overall business entity structure review

Click here for all of our financial insights for business owners

Financial Planning Essentials2022-03-15T21:19:07-08:00

Learn topics such as:

  • Building a Lasting Legacy: 6 Ways for Affluent Families to Bullet-Proof their Estate Plan
  • The Letter of Intent: An Estate Planning Must-Have to Care for Your Family
  • Beneficiary Designations: Per Stirpes and Per Capita
  • Estate Planning Basics including Checklists
  • 5 Common Emotional Roadblocks that Could Halt a Successful Estate Plan

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Estate Planning2022-02-12T13:40:13-08:00

Learn topics such as:

  • Building a Lasting Legacy: 6 Ways for Affluent Families to Bullet-Proof their Estate Plan
  • The Letter of Intent: An Estate Planning Must-Have to Care for Your Family
  • Beneficiary Designations: Per Stirpes and Per Capita
  • Estate Planning Basics including Checklists
  • 5 Common Emotional Roadblocks that Could Halt a Successful Estate Plan

Click here to learn more around this topic.

Market Update2022-02-12T13:39:55-08:00

Learn topics such as:

  • Reducing duration and interest rate sensitivity in portfolios
  • Is the San Diego residential real estate market bubbly?
  • How to find good deals in the markets in 2022
  • What are the best investment strategies in 2022?

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Retirement Income2022-02-12T13:30:27-08:00

Learn topics such as:

  • Required Minimum Distributions (RMDs)
  • Taxes on Social Security and the Medicare Surtax
  • Taxes on Estates
  • Deferred Compensation: A Plan for Unlimited Retirement Savings
  • The Backdoor Roth IRA: A Strategy for Tax-Advantaged Savings for High Earners
  • Mega Backdoor Roth 401(k) – Retirement Savings Strategies for High Earners
  • Four Things to Know About Your 401(k)
  • Retirement Budget: Can you skip the spreadsheet for a better way?
  • Cost of Living Adjustments & Tax Changes For 2021. Here’s What You Need to Know
  • Roth Conversion: A Better Way to IRA
  • The CARES Act Has Waived RMD Distributions

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Tax Planning2022-03-15T21:20:05-08:00

Learn topics such as:

  • Tax reduction strategies for high earners
  • Required Minimum Distributions (RMDs)
  • Taxes on Social Security and the Medicare Surtax
  • Taxes on Estates
  • 529s – College Savings Advice for High-Net-Worth Investors
  • Gifting to Your Kids – The Top 4 Strategies High Earners Haven’t Considered
  • Helping kids buy their first home through intrafamily loans with yearly debt forgiveness

Click here to learn more around this topic.

Charitable Giving2022-03-15T21:18:38-08:00

Learn topics such as:

  • Donating Appreciated Stock
  • Utilize Your IRA for a Qualified Charitable Distribution
  • Consider an Employer Match for Charitable Gifts
  • Donating to organizations such as
    • Churches and other religious organizations
    • American Red Cross, Goodwill, the Salvation Army, and CARE
    • Tax-exempt educational organizations
    • Tax-exempt hospitals and some medical research organizations
    • Government agencies, such as a state or division of a state if the funds are used for public purposes
    • Nonprofit volunteer fire companies
    • Some veterans’ groups and fraternal societies
    • Some private foundations that distribute the contributions they receive to public charities, and some private operating foundations
    • Some membership organizations that receive more than a third of their contributions from the general public
    • Boy Scouts and Girl Scouts of America
    • Boys Clubs and Girls Clubs of America

Learn more about this topic.

Our Latest Video Tutorials around Financial Ideas for Business Owners and High-Paid Company Executives in San Diego

Our latest financial planning, tax, investment  and wealth management ideas for wealthy individuals in San Diego

Read more of our Tax, Financial and Wealth Management strategies and ideas

Contact us

Navigating your financial future alone can be daunting. There are countless questions you’ll encounter along the way. We thrive on finding the right answers specific to your unique circumstances. Curious to hear what we think? Ask us any wealth-related questions! We’ll get back to you within 2 business days.


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    Investment advice offered through Stratos Wealth Partners, Ltd. a Registered Investment Advisor DBA BWM Financial. Investment advisory services are offered through Stratos Wealth Partners, Ltd., a Registered Investment Advisor located in Beachwood, Ohio. [www.stratoswealthpartners.com].

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