Rancho Wealth Management

Rancho Wealth Management

Rancho Wealth Management functions as a financial advisory practice structured around a family team. Andrew Chabot leads as President alongside his brother Matt Chabot, who serves as Executive Vice President, and their mother Dianne Chabot, Director of Operations. The firm operates from two Southern California locations in San Diego and Rancho Cucamonga. Its listed email addresses — Andrew.Chabot@equitable.com and andrew.chabot@equitable.com — confirm a corporate affiliation with Equitable, the legacy insurance and retirement platform, rather than an independent registered investment advisor. The firm's stated services center on comprehensive financial planning, investment management, insurance solutions, and estate planning strategies. Its public materials emphasize tax-efficient investing, asset preservation, and retirement income planning for clients balancing business and family obligations. Rancho Wealth Management does not operate as a fund manager or institutional allocator; its investment approach flows through financial planning frameworks that incorporate market-based portfolios, insurance products, and executive benefits strategies. The firm's website offers behavioral finance commentary and client education quizzes, reinforcing a retail wealth-management posture rather than direct private-market investing. Geographic reach is concentrated in Southern California, with clients served from the La Jolla Village Drive office in San Diego and the Sebastian Way office in Rancho Cucamonga. Team composition signals a family-operated, multi-generational practice. Andrew Chabot holds the CFP® designation and an MBA, Matt Chabot brings over a decade of experience, and Jassi Kumar manages client service as Vice President, though Kumar is not securities-licensed. Dianne Chabot oversees operations. The firm lists five professionals and no additional investment professionals, structured around founder-led planning and relationship management. No adjacent vehicles — philanthropic foundations, real-asset arms, or club memberships — appear in public materials. Rancho Wealth Management's structural differentiator is its hybrid position as a family-led team operating within Equitable's corporate infrastructure. The firm is not a stand-alone RIA, trust company, or family office, but an advisory group leveraging Equitable's product shelf while preserving the Chabot family's local brand. This architecture shapes its service model, regulatory posture, and client access. No succession plan is disclosed, though Matt Chabot's executive role suggests continuity beyond the founder.