Our Process
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.
