Independent RIA · Fiduciary · San Diego
Fiduciary wealth management for individuals and families who want a clear plan, an actively managed portfolio, and investments that reflect sustainability and conscious capitalism — without giving up discipline or diversification.
Serving clients in California and virtually nationwide
Retirement you can picture, education you have promised to fund, a legacy you can name. The plan comes first, and the portfolio is built to serve it — across accounts, taxes, cash flow, and time.
We work with people who want their money to do two jobs at once. If a holding depends on outcomes you would not choose, we can screen it out — as long as doing so still leaves you properly diversified.
What we do
Retirement, education funding, protection, and estate planning — built around your timeline, your obligations, and the people who depend on you. Every plan is tailored to your goals, your risk tolerance, and how much time you actually have.
We watch the macro backdrop, company fundamentals, and emerging trends, then set allocations and hedges with a purpose. Portfolios are monitored rather than filed away, and every decision traces back to research.
How we invest
Sustainability enters the process as a qualifying factor — after the plan, the risk work, and the diversification are already sound.
Before any security is discussed, we establish what the money is for, when it is needed, and how much movement you can tolerate along the way.
We focus on companies and funds with stronger practices on climate, governance, and how they treat stakeholders — and we can exclude areas that conflict with your values, balancing that against diversification and your return objectives.
ESG and climate factors are part of the research process, sitting alongside earnings quality, balance sheets, and valuation — not standing in for them.
Allocations stay active. We review holdings as the economy, regulations, and company behavior change — because none of the three hold still.
Who this is for
We work with clients who want their money to do two jobs at once: fund the life they want, and avoid financing the things they don’t.
Credentials
Fiduciary status is not a marketing word here — it is the obligation attached to the registration, and it is filed publicly.
Scott A. Smith, CFP®
CERTIFIED FINANCIAL PLANNER® professionalChartered Portfolio Manager
CPMSustainable Investing Certificate
CFA InstituteRegistered Investment Adviser
Firm CRD 297231 · San Diego, CAFiduciary
Client-first by obligationIndependent
No proprietary product lineNext step
Tell us what you want the money to do, and what you do not want it to finance. We’ll map a plan and a portfolio you can live with.
No pressure. No product pitch.
