# Vance Wealth

Vance Wealth is a Bank / Wealth / Trust based in Santa Clarita, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Santa Clarita, United States
- **Region:** North America
- **Address:** Santa Clarita, CA, United States
- **Founded:** 2003
- **Assets under management:** $100M - $500M (Altss estimate)
- **Website:** vancewealth.com
- **LinkedIn:** https://www.linkedin.com/company/vancewealth

## Regulatory record

- **CRD number:** 310162
- **SEC file number:** 801-119423
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/310162

## About

Vance Wealth opened in 2003 as a financial planning and investment advisory practice in Santa Clarita, California, founded by Rick Vance. The firm operates as a registered investment adviser (RIA), a structural choice that binds it to a fiduciary standard — legally requiring client interests to come first in every recommendation — rather than the suitability standard that governs broker-dealers. The practice grew from a solo planning shop into a team-based advisory firm serving individuals, high-net-worth families, trusts, and business owners concentrated in the Santa Clarita Valley and adjacent Los Angeles County markets. The firm's investment philosophy centers on goals-based planning tied to discrete client outcomes — retirement readiness, business exit planning, generational transfers — rather than benchmark-relative performance. Vance Wealth constructs portfolios using primarily low-cost ETFs, individual fixed-income ladders, and direct equity holdings where tax-management dictates. It explicitly avoids using proprietary funds or structured products that create revenue conflicts. The firm coordinates estate-planning and tax-strategy functions alongside external CPAs and trust-and-estate attorneys, positioning Vance Wealth as the quarterback for a client's complete financial picture rather than a standalone asset manager. Geographic coverage centers on Santa Clarita but extends to clients distributed across California and several other Western states. Vance Wealth lists a team of approximately a dozen professionals including Certified Financial Planner practitioners and Chartered Financial Analyst charterholders. The firm remains headquartered solely in Santa Clarita without additional branch offices. In recent years the practice has deepened its investment in client-facing financial education through seminars and digital forums targeting out-of-state clients, reflecting a deliberate multigenerational-service model that prioritizes client-retention and referral dynamics over acquisition marketing. Vance Wealth's structural differentiator is its fiduciary-only RIA registration combined with an absence of proprietary investment products — a clean compliance posture that reduces the regulatory conflicts present at hybrid RIA/broker-dealer firms of comparable size. This architecture allows the firm to present clients with a genuinely open-architecture menu of third-party strategies, benchmarked solely on suitability to the client's plan rather than internal product-push incentives. That separation — planning advice decoupled from manufacturing economics — defines the firm's competitive positioning against the bank-affiliated trust offices and commission-based advisory groups that populate its local market.

## Sectors

- Wealth Management

## People

- Rick Vance — CEO & Founder

## Questions

### Is Vance Wealth a fiduciary, and what does that mean in practice?

Yes. As a registered investment adviser (RIA), Vance Wealth is bound by a fiduciary duty under the Investment Advisers Act of 1940 — a legal obligation to place client interests ahead of its own in every advisory decision. In practice, this means the firm cannot recommend a product that pays it higher compensation if a lower-cost, equivalent option exists, and it must fully disclose any potential conflicts before a client engages.

### Does Vance Wealth manage assets on a discretionary or non-discretionary basis?

Vance Wealth manages client portfolios on a discretionary basis, meaning it executes trades and rebalances without seeking advance client approval for each transaction. Clients grant this authority via the investment advisory agreement, with discretion bounded by the agreed-upon investment policy statement that governs asset-allocation ranges, risk parameters, and restrictions.

### What type of client does Vance Wealth typically serve?

The firm mainly serves high-net-worth individuals, multi-generational families, business owners, and trusts concentrated in Southern California. Many clients are professionals approaching retirement or business owners navigating liquidity events, a profile that aligns with the firm's emphasis on tax-aware planning and multi-decade distribution strategies.

## Related profiles

- [Van Strum & Towne](https://altss.com/profile/van-strum-towne)
- [VanceGray Wealth Management](https://altss.com/profile/vancegray-wealth-management)

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Last updated: 2026-08-11T02:43:31.692Z

Canonical page: https://altss.com/profile/vance-wealth

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