FAQ
What are your core services?
We provide comprehensive wealth management — encompassing investment management and financial planning — for high net worth individuals and families.
Are your advisors credentialed?
Yes, our advisors have earned rigorous industry designations such as Certified Financial Planner™ Practitioner (CFP®), Certified Investment Management Analyst™ (CIMA®), Certified Retirement Plan Specialist (CRPS) and Certified Divorce Financial Analyst (CDFA™).
How are my assets protected?
Our custodian bank is Charles Schwab, a leading provider of financial services for institutions, corporations and high net worth individuals.
Charles Schwab is a member of the Securities Investor Protection Corporation (SIPC), which provides protection for securities in client accounts up to $500,000. Excess account protection above $500,000 is provided through a commercial insurer.
What does “fee-based” mean?
As fee-based advisors, our compensation is solely derived from a percentage fee on your Assets Under Management (AUM). This ensures objectivity and alignment with our clients’ best interests.
What does it mean to be a fiduciary?
A fiduciary acts with undivided loyalty and utmost good faith, providing full and fair disclosure of all material facts important to a client. Pacific Wealth Management strictly upholds the fiduciary standard.