# Pacific Wealth Management

Pacific Wealth Management is a Bank / Wealth / Trust based in San Diego, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** San Diego, United States
- **Region:** North America
- **Address:** San Diego, CA, United States
- **Founded:** 1998
- **Assets under management:** Undisclosed
- **Website:** www.pacwealth.com
- **LinkedIn:** https://www.linkedin.com/company/pacific-wealth-management

## Regulatory record

- **CRD number:** 113217
- **SEC file number:** 801-77277
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/113217

## About

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

## Sectors

- Wealth Management

## 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.

### 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.

## Related profiles

- [Pacific Tiger Group](https://altss.com/profile/pacific-tiger-group)
- [Pacific Western Bank](https://altss.com/profile/pacific-western-bank)

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Last updated: 2026-07-08T22:21:36.880Z

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