Our Process

Our clients vary in age and background, but most have the following characteristics in common:

• Seeking a partner to inform their financial decisions. Our clients are looking for insights and expect to have conversations with their advisor on a regular basis.
• Dedicated to their families and communities. Our clients are generous with their time, talents, and treasure.
• Patient investors. Our clients are not looking for the next hot stock tip, they are looking for a plan built on data and experience.
• Regular savers. Our clients consistently save for future goals.
• Life-long learners. Our clients continuously learn and grow, at every age.

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help more people prepare for their future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives.

We are compatible with people who are ready to take steps to ensure their financial future. If you are ready to take those steps, connect with us!

Estate Planning is offered through a partnership with EncorEstates.

Although we are not attorneys, we can facilitate the creation of your estate plan by providing you access to our partner, EncorEstate, and their software. Our team coordinates information to help provide you with an estate plan in a time-efficient and cost-effective manner. Your estate plan is then prepared and reviewed in less than a week by leading industry professionals (estate planners/attorneys) to give you a professional estate plan. Your plan includes a revocable trust, will, financial power of attorney, medical power of attorney, and other documents. We will provide you the support you need to make informed decisions to complete the process. 

Who can use this system?

We estimate that approximately 75% of estate plans are appropriate for this system. If you are disinheriting children, feel like you have heirs that will litigate after your death, or have extremely unusual beneficiary needs, this system is not a good fit for you. We can refer you to one of our local estate planning attorneys for these needs.

• If you have a young and growing family and want to provide for your children in a responsible manner (spacing out distributions over time), this system is for you.
• If you have put off doing your estate plan for YEARS because of cost, logistics in meeting with an attorney, or a simple lack of desire to talk about the inevitable, this system is for you.
• The system can also handle situations where you may have a special needs child or a child who is not financially responsible. 

establish the answers to five major questions: 

1) Beneficiaries – Who is going to get everything?

2) Method of Distribution – How are the beneficiaries going to get everything (ages, no restrictions, etc.)?

3) Trustee/Executor/Power of Attorney – Who will make financial decisions for you if you cannot?

4) Health Care POA – Who will make health care decisions for you if you cannot?

5) Guardian (if necessary) – Who will have physical custody of minor children?  

Already have an Estate Plan?  No problem.

Even if you are in the minority of families who have completed their estate plan, this relationship can review your existing documents and provide a list of follow-up questions to see if it is up to date. If you know that a number of things have changed, this system can create brand new documents for you while using your existing trust name and date (this prevents having to re-register assets already in the trust).

At PalomarWealth, we employ a data-driven approach to managing assets that is focused on long-term, compound annual growth. We are proud to partner with Helios Quantitative Research, a data analytics firm. Helios specializes in providing research to an exclusive group of financial advisors who then build, implement, and monitor custom quantitative model portfolios. Our Investment Committee reviews the research supplied by Helios and other sources and then applies the strategies which best align with our client’s financial goals.

We are not influenced by the next hot stock as history tells us that very few companies outperform their benchmark over a ten-year time frame. Instead, we incorporate your holistic financial picture, goals, attitudes, dreams, and challenges to create a comprehensive plan and result in a clearer financial future.