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Pacific Wealth Management
Pacific Wealth Management is an independent firm specializing in comprehensive financial planning and asset preservation and growth strategies for high-net...
Pacific Wealth Management
Pacific Wealth Management is an independent firm specializing in comprehensive financial planning and asset preservation and growth strategies for high-net worth individuals. The Del Mar, CA boutique firm manages approximately $310 million in assets for clients throughout Southern California and around the world while delivering top notch, customized, personal service. PWM has developed Proactive Asset Management, a proprietary wealth management strategy, designed to continuously evaluate risks and actively manage client assets accordingly. All asset classes are considered, unlike traditional Wall Street firms whose focus is primarily on stocks and bonds. Clients benefit from broad, independent objective research and have successfully preserved and increased wealth, even in the most challenging market conditions. For more information about Pacific Wealth Management, please visit www.pacwealth.com
General information
Firm type
Bank / Wealth / Trust
Year founded
1994
AUM
Undisclosed
Location
Region
North America
Country
United States
City
San Diego
Corporate office
San Diego, CA, United States
Sector focus
Frequently asked questions
Is Pacific Wealth Management a fiduciary for its clients?
Yes. As a registered investment advisor, Pacific Wealth Management owes a fiduciary duty to its advisory clients. This means the firm is legally bound to place client interests ahead of its own, to disclose all material conflicts of interest, and to seek best execution in portfolio management. This standard is distinct from the suitability standard that governed many broker-dealers prior to Regulation Best Interest.
Does Pacific Wealth Management accept proprietary product commissions or fees from fund companies?
No. The firm operates as a fee-only RIA without proprietary products. Compensation is client-paid, typically through an assets-under-management fee schedule or via flat retainer for planning. Its custody is held at third-party institutions like Charles Schwab or Fidelity, and any product commissions or 12b-1 fees are either rejected or credited back to the client.
How does the firm integrate tax strategy with investment management?
Pacific Wealth Management structures portfolios with explicit attention to after-tax outcomes. The team applies direct indexing for tax-loss harvesting, manages asset location across taxable and retirement accounts, and coordinates with external CPAs on income-tax and estate-tax projections. For California residents, this includes sensitivity to the state's top income and capital-gains rates, often via municipal laddering and step-up planning.
What custodian relationships does the firm rely on, and why does that matter?
The firm uses independent custodians — historically Charles Schwab and Fidelity — rather than holding client assets in-house. Custody separation means client statements come from an unaffiliated third party, providing an independent audit trail. This structure also makes it administratively simple for a client to terminate the advisory relationship without needing to lift assets out of a proprietary platform.
What is the typical client profile at Pacific Wealth Management?
The firm's practice centers on Southern California-based entrepreneurs, corporate executives, and retirees with investable assets at or above the RIA's stated minimums. Many enter the practice around a liquidity event — sale of a business, concentrated-stock unwind, or retirement rollover — and stay for ongoing planning and family-office-style coordination across their CPA, estate attorney, and insurance broker.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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