Financial Planning
The foundation of our entire planning process is understanding your life goals. From there, we’ll take a deeper dive into your finances, running detailed projections to see if you’re on track. Often we discover areas where you may need to adjust, or, in some cases, dream even bigger!.
Once we’ve established your big-picture goals, we’ll look for opportunities to maximize your financial potential. We do this by creating strategies for saving, tax minimization*, charitable giving, estate planning, legacy planning, college savings, insurance, and more.
As part of our ongoing process, we’ll review all of these topics together with you, and adjustments will be made as goals and laws change, in order to stay up-to-date.
*We’re not tax advisors. We give guidance, but always recommend you consult with your tax advisor on any matters relating to your personal tax situation.
Once we’ve established your big-picture goals, we’ll look for opportunities to maximize your financial potential. We do this by creating strategies for saving, tax minimization*, charitable giving, estate planning, legacy planning, college savings, insurance, and more.
As part of our ongoing process, we’ll review all of these topics together with you, and adjustments will be made as goals and laws change, in order to stay up-to-date.
*We’re not tax advisors. We give guidance, but always recommend you consult with your tax advisor on any matters relating to your personal tax situation.
Investment Management
At Torrey Wealth, our goal is to make sure you never spend a single sleepless night worrying about your investments. Our investment process begins by assessing your comfort levels, timeframe and withdrawal needs. We then craft a portfolio that fits your needs, providing a diversified portfolio that employs strategic and tactical allocations for today’s market..
Our portfolios consist primarily of low-cost stock index and safer, fixed-income investments that are continuously monitored for rebalancing, tax-loss harvesting, and strategic withdrawal opportunities. That said, we can customize your portfolio to integrate current holdings and socially responsible preferences, as well as the integration of outside assets that cannot be moved to Torrey Wealth.
Our portfolios consist primarily of low-cost stock index and safer, fixed-income investments that are continuously monitored for rebalancing, tax-loss harvesting, and strategic withdrawal opportunities. That said, we can customize your portfolio to integrate current holdings and socially responsible preferences, as well as the integration of outside assets that cannot be moved to Torrey Wealth.
Service Culture
We’re here to work for you, and our relationship with our clients means the world to us! Because we value your business, we make it a point to be available to you whenever you need us. If we can’t pick up your call immediately, rest assured we will do our best to get back to you the same day.
We know that financial transactions can be quite cumbersome. Our goal is to make them as easy and painless as possible for our clients. You can trust in our understanding of financial frameworks, attention to detail, and prompt responsiveness. Ultimately, we will advise you through transactions, your investments, have your back through it all.
We have partnered with other financial service companies that share the same values and have adopted the use of e-signature whenever possible for maximum efficiency. This significantly reduces transaction times and headaches, as we understand your time is valuable!
We know that financial transactions can be quite cumbersome. Our goal is to make them as easy and painless as possible for our clients. You can trust in our understanding of financial frameworks, attention to detail, and prompt responsiveness. Ultimately, we will advise you through transactions, your investments, have your back through it all.
We have partnered with other financial service companies that share the same values and have adopted the use of e-signature whenever possible for maximum efficiency. This significantly reduces transaction times and headaches, as we understand your time is valuable!
Fiduciary Promise
Torrey Wealth has chosen to do business as a Registered Investment Advisory (RIA) where we have a special relationship founded upon mutual trust and client confidence in our ability to deliver on our experience and expertise. We operate under the following doctrine:
- We have a fundamental obligation to provide investment advice that always acts in our clients' best interests, as well as the affirmative duties of care and loyalty.
- We will avoid conflicts of interest whenever possible, and will disclose unavoidable conflicts of interest should they arise.
- We will serve our clients with integrity, objectivity, honesty, and professionalism.
- We will provide disclosure of all fees charged to clients.
Keys to Success
At Torrey Wealth, we believe the most complex endeavors are a series of simple tasks executed to perfection.
Our Capabilities
The Torrey Difference
We want to understand your entire situation, both financially and personally. Then we can create a plan to meet your goals
In a world full of ever-changing taxes, we stay current so you don’t have to. We go above and beyond to offer guidance for maximizing tax efficiency, which you can then bring to your tax advisor for approval.
We pride ourselves on being available to our clients at all times. If we can’t pick up when you call us, we’ll do everything possible to return your call the same day.
As a smaller company, we have the ability to trade quickly as the markets move, unlike larger companies, which often experience delays due to operational limitations and scaling issues
Our goal is to make sure you’re fully aware of what’s sustainable, which sometimes means recommending doing/spending more. Possible travel tips included. 🙂
Torrey Wealth knows YOU! So if any “phishy” activity is going on, you’ll be getting a call from us immediately. Most of the time the best security is that personal touch and a friendly voice reaching out to confirm instructions
We’re here for you in more ways than just managing investments. Over the years, we’ve helped clients find tax advisors, retirement communities, estate planning attorneys, retiree medical insurance and more using our extensive contacts within the community.
We believe strongly in the efficiencies of the stock market. This means we use many low-cost index investments to capture as much return as possible
Meet Our Team
Rob Leuffen
Principal
PROFESSIONAL
Rob graduated from Boston College in 2004 with a double major in Economics and Psychology. He began his career at Fidelity Investments as a phone service representative, quickly advancing to an advising role. He then moved to San Diego to open Fidelity’s new Del Mar office, achieving his dream of living on the West Coast.
As a Fidelity advisor, Rob gained expertise in investing, financial planning, employer stock plans, and operational frameworks, working with clients from both for-profit (401k) and non-profit (403b) sectors. In 2010, he started the San Diego office for TIAA, advising employees from local universities, research institutions, and law schools, and retirees nationwide. At TIAA, he deepened his knowledge of complex planning, estate and tax planning, and life insurance.
In 2020, Rob founded Torrey Wealth LLC to offer personalized and comprehensive financial planning, leveraging his extensive experience to provide tailored portfolio and tax planning and exceptional service.
PERSONAL
Originally from New Jersey, Rob moved to San Diego one year after graduating from Boston College, and it’s safe to say, this is his forever home now. With his love of the outdoors and his active lifestyle, Rob enjoys taking advantage of all the fun activities available year-round. He has lived in San Diego for 20 years. He has 3 children, twin boys, Cody & Jax and daughter Skye. He loves coaching them in all their sports. Before having children, Rob had a passion for traveling the globe and now loves exploring all of the fun, family-friendly attractions San Diego has to offer.
Donna Nemerovski
Operations Manager
PROFESSIONAL
Donna has worked in finance for most of her career in the loan and mortgage sector. She has worn many hats over the years in numerous departments including: collections, training, and loss mitigation. She especially enjoyed helping people strategize on how to get out of debt successfully, while also equipping them with the knowledge to become more financially literate. Donna’s incredible people skills and keen eye for detail make her a natural fit for Torrey Wealth. With Donna’s valuable assistance, our clients feel comfortable no matter how complex their transactions may be.
PERSONAL
Donna was born in the Philippines and moved to San Diego at the age of five when her father was stationed here for the US Navy. These days, she and her husband, David, enjoy hot yoga, running, and riding their beach cruisers along the beach. In their free time, they volunteer regularly for the Jewish Family Services (JFS). They also love travelling internationally, with their favorite destinations being Rome, Barcelona, Dublin, Lisbon and Athens. Donna and David have two beloved dogs, Willy and Mimosa, who accompany them on exciting road trips and adventurous hikes all around San Diego.
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