Kaiyo Wealth

Kaiyo Wealth has not publicly named a chief investment officer or investment committee in regulatory filings or on its website. As a younger RIA, investment decisions likely rest with the founding advisor or a small internal team. Without a disclosed operational structure, the firm does not provide the institutional-style investment governance that larger family-office platforms offer.

Kaiyo Wealth is structured as a registered investment advisor, not a multi-family office. Its service model combines investment management with tax, estate, and retirement planning — overlapping with family-office services but without the concierge, bill-pay, or entity-management functions that define dedicated MFOs. The firm's regulatory status as an RIA places it under fiduciary obligation to its advisory clients.

Kaiyo Wealth constructs portfolios through separately managed accounts and advisory agreements rather than proprietary funds or pooled vehicles. The firm's disclosures indicate use of equities, fixed-income instruments, and alternative allocations tailored to individual client circumstances. Specific third-party managers or fund families are not publicly identified.

The firm targets individuals, high-net-worth individuals, and charitable organizations. Its planning-heavy service model — spanning retirement income, estate transfer, and tax strategy — is designed for clients with complex balance sheets rather than mass-affluent accumulators. The concentration appears to be in Southern California, consistent with its San Diego base.

Kaiyo Wealth does not publicly disclose assets under advisement or management. This likely indicates the firm remains below the SEC's $100 million regulatory AUM threshold that triggers mandatory Form ADV Part 1 public filing. Without that disclosure, any AUM figure would be an estimate, and the firm has not volunteered one through its own communications.

The firm includes alternative allocations as part of its portfolio construction framework according to its advisory disclosures. However, specific alternative strategies — private equity, private credit, hedge funds, or real assets — are not detailed publicly. At the scale of a sub-$100 million RIA, alternative access typically comes through interval funds, registered products, or third-party platforms rather than direct GP relationships.

Kaiyo Wealth advises charitable organizations as a client segment and offers charitable planning as part of its wealth management service, but it does not operate its own donor-advised fund, private foundation, or philanthropic vehicle. The firm's estate and tax planning practice incorporates charitable giving strategies for high-net-worth clients.