Torrey Pines Financial
Welcome to Torrey Pines Financial—a wealth management firm laser-focused on helping clients retire confidently without running out of money.
We're here for those who are tired of cookie-cutter solutions, value education & want more out of their retirement plan.
Take a look around and see how we do things differently.
The Retirement Problem
Most Advisors Get Retirement Planning Wrong
They rush you through a single meeting, hand you a generic portfolio, and move on—ignoring the complexities that actually determine whether your retirement succeeds.
That's not a plan. That's guesswork.
Successful retirement requires addressing four critical risks:
Market Risk - What if the market crashes in year one of retirement?
Tax Risk - How do you avoid paying more than necessary?
Healthcare Risk - Which Medicare option is actually right for you?
Longevity Risk - Will your income last 30+ years?
Generic advice doesn't answer these questions. Our approach does.
Our Solution
Comprehensive Planning for the Distribution Phase
We specialize in retirement distribution—making your wealth last, minimizing taxes, and creating income you won't outlive.
Our Time Segmented approach structures your portfolio in three distinct buckets, each designed for different phases of retirement. This protects you from market volatility while providing clarity on exactly where your money comes from each year.
Our tax planning goes beyond this year's return—we create multi-year strategies to minimize your lifetime tax burden.
Everything is coordinated. Your investments, tax strategy, income plan, and healthcare decisions work together as one comprehensive roadmap.
No cookie-cutter portfolios. No guesswork. Just customized strategies designed for your retirement.
Who we serve
We work with people who value education, transparency, and confidence.
You want to understand the "why" behind recommendations—not just be told what to do. You appreciate having access to technology that shows your plan is on track. And you want the peace of mind that comes from knowing someone deeply understands your situation and is watching over your plan.
If that sounds like you, we should talk.