Running a business isn’t just a full-time job. It quickly becomes a lifestyle. Business owners juggle strategic decisions, daily operations, and long-term growth planning, all while trying to maintain personal financial stability. At Platt Wealth Management, we understand that your personal and business finances are inextricably linked. That’s why we specialize in helping entrepreneurs and business owners take control of both, with smart, integrated financial planning you can feel confident in.

We aren’t just financial advisors. We’re partners on your entrepreneurial journey. Our fee-only, fiduciary approach ensures that your success is our only priority. With no commissions, no hidden incentives, and no product pushing, you get objective, personalized advice that puts your goals first.

Whether you’re planning an exit, navigating tax complexity, or balancing reinvestment with personal savings, our advisors offer strategic guidance rooted in experience and a deep understanding of the challenges business owners face.

Why Business Owners Choose Platt Wealth Management

Successful business owners don’t settle for off-the-shelf solutions, and neither do we. At Platt Wealth Management, our client-centric approach and niche expertise set us apart. We focus on entrepreneurs, founders, and business owners who need more than basic investment advice. If you’re looking for small business financial advisors that understand your business on a deeper level, our financial strategies are built around your business lifecycle, risk profile, tax situation, and personal goals.

Our team’s credentials reflect our commitment to excellence. With Certified Financial Planner (CFP®) professionals, Chartered Financial Analysts (CFAs), and decades of experience working with business owners, we bring unmatched technical expertise to every relationship. No two businesses are exactly alike, and we know your business needs a focused, strategic approach that fits you and your goals and plans.

Our founder Jeff Platt has dedicated his career to helping clients simplify complex financial lives, while Curtis West leads with a deep understanding of business ownership and long-term wealth planning. You can expect every member of our team to provide quality information and use their years of experience to ensure you’re getting the best data and advice for your business’ needs.

We take a holistic approach to your financial planning by looking at your business and personal finances as a single, interconnected ecosystem. And we collaborate seamlessly with your existing team of CPAs, attorneys, and other advisors to create a unified strategy with no blind spots. Whether you’re operating a large business or a smaller one, we know that having the right advice and support matters.

Comprehensive Financial Services for Business Owners

Financial planning for business owners requires a dual lens, meaning the optimizing of both the business and personal sides of wealth. At Platt Wealth Management, we offer comprehensive financial planning and investment management services tailored specifically to the entrepreneurial experience.

We’ll help you make informed decisions about how and when to reinvest in your business, how to prepare for succession or sale, and how to ensure your personal wealth keeps pace with your professional success. Through tax optimization, retirement plan design, and more, our advisors can help you build a strong financial plan for today and confidence for the future.

Business Financial Planning

Small business owners and enterprise owners alike know that your business is your engine of wealth, but also your greatest financial risk.

We offer:

• Tax Optimization Strategies: We work with you and your CPA to reduce tax planning burdens across business and personal filings, including entity structuring and pass-through income optimization.
• Retirement Plan Design: Whether it’s a Simplified Employee Pension (SEP) IRA, Solo 401(k), or a custom plan for employees, we help determine retirement solutions that help you and your team save more, with tax advantages aligned to your growth stage.

Personal Wealth Management

Once your business is thriving, it’s crucial to protect and grow your personal wealth. Our personal planning services help you achieve financial independence while managing risk. Consider support for areas such as:

• Investment Management and Portfolio Optimization: Tailored portfolios that balance liquidity, diversification, and long-term growth, with full alignment to your risk tolerance and goals.
• Estate Planning Strategies: Ensure your legacy is protected with structured estate plans, business succession strategies, and coordinated legal support.
• Risk Management and Insurance Review: We’ll help identify gaps in coverage and ensure your business and personal assets are properly insured.
• Cash Flow Management: Gain visibility into your spending, income timing, and reserve needs across both business and personal accounts.
• Retirement Planning: Transition from business income to financial independence with confidence, knowing your exit plan is fully aligned with your personal financial roadmap.

Our Proven Process for Business Owners

We know your time is valuable. That’s why we use a structured, streamlined process designed to uncover your goals, identify opportunities, and deliver ongoing value. We can learn what you need, address your concerns, and work with you to make adjustments to protect your financial future.

1. Discovery Call: This is a complimentary consultation to understand your unique business and personal financial situation.
2. Deep-Dive Analysis: We’ll gather relevant financial statements and analyze your current strategy, identifying risks and opportunities.
3. Customized Plan Creation: With knowledge and information we can deliver a comprehensive, integrated financial plan tailored to your goals.
4. Implementation Support: We’ll collaborate with your legal and tax advisors to ensure all recommendations are executed smoothly.
5. Ongoing Management: We can provide continuous oversight of your plan, including investment management, retirement planning, and tax strategies.
6. Regular Reviews and Adjustments: Our advisors know life changes, and so does your business, so we’ll meet regularly to review performance and adapt your plan as needed.

Our process is transparent, collaborative, and built for the demands of entrepreneurial life, so you know who you’re working with and what kind of plans you have in place. We’re here to make operating your business and planning for retirement easier, less complicated, and less stressful.

Common Financial Challenges We Help Business Owners Solve

Business owners like you face unique financial hurdles, many of which a standard business financial advisor isn’t equipped to handle. At Platt Wealth Management, we help you navigate these challenges with clarity and confidence.

• Blurring of Business and Personal Finances
• Unpredictable Income and Cash Flow
• Tax Complexity
• Retirement Planning with No Corporate Pension
• Investment Diversification Beyond the Business
• Managing Key Person Risk
• Balancing Reinvestment with Personal Wealth Growth

No matter which of these challenges you’re facing, or how several of these issues may tie together for your business, our advisors have the business planning knowledge to create a comprehensive roadmap that’s tailored to your company. We want to see you succeed and thrive, and collaborative efforts with financial professionals are among the best ways for you to do that.

Why Fee-Only Financial Planning Matters for Business Owners

The financial advice industry is filled with advisors who earn commissions by selling products. At Platt Wealth Management, we believe your advisor should only be paid by one person: you. That’s why we use a fee-only, fiduciary approach that eliminates conflicts of interest and ensures complete objectivity. We don’t earn commissions, and we don’t push products. Instead, we always act in your best interest.

That’s especially important for business owners, who face complex decisions about insurance, retirement plans, and tax strategies. A commission-based advisor might steer you toward a high-fee product that benefits them more than you, but we won’t.

When you work with us, you get transparent pricing, total accountability, and a long-term relationship based on trust, not products or transactions.

Ready to Take Control of Your Financial Future?

You’ve built a business, and now it’s time to build your future. Platt Wealth Management offers tailored financial guidance that integrates your business and personal goals, simplifies complexity, and puts you in control. Whether you’re seeking smarter tax strategies, a retirement plan, or a path to personal financial freedom, we’re here to help.

Schedule your complimentary consultation today. There’s no obligation. We’ll have a conversation about where you are, where you’re going, and how we can help you get there, so you can decide on the next steps toward the financial support you deserve and the future you’ve been dreaming of. Whether you’re a small business owner or a budding tycoon, we have the financial management expertise you need to secure your company’s future.

At Platt Wealth Management you can expect to partner with expert financial advisors who offer a unique and personal approach to wealth management. You deserve smart strategies built specifically for your individual needs and a financial advisor who takes the time to listen to your goals and dreams. When you work with a local San Diego financial advisor you can develop that in-person connection from a trusted boutique advisory firm. You won’t get that level of care from just anyone.

Not only does Platt Wealth Management focus on a client-first approach to financial planning, but we take our fiduciary responsibility seriously. Our team of advisors, Jeff Platt, Curtis West, and Kai Kramer are experienced professionals dedicated to understanding your concerns. They will work with you to develop a comprehensive financial strategy that fits your current situation and future plans.

By learning your goals we can look at all the ways you can get there. Then, we will tailor our strategy to meet or exceed those goals. You can reach your goals and realize your dreams, and it’s easier with the right support and guidance from financial professionals who take what matters to you seriously. Here’s what to know about us, why we’re different, and what to look for when you choose a financial advisor.

What to Look for in a San Diego Financial Advisor

Selecting the right financial advisor is a critical decision that can significantly impact your financial well-being. To ensure you choose a professional who aligns with your financial goals and interests, there are some essential criteria you want to carefully consider.

First, assess the advisor’s qualifications and credentials. Certifications such as Certified Financial Planner (CFP®), Chartered Financial Analyst (CFA), and Master of Science in Business Administration (MSBA) indicate expertise in financial planning, investment strategies, and data-driven decision-making. For example, a CFP® has undergone rigorous training in financial planning and ethics, and a CFA specializes in investment management strategies. Someone with an MSBA brings advanced business skills to the table, providing sound advice for your financial decision-making.

Second, prioritize advisors who operate under a fiduciary duty, like those at Platt Wealth Management. We have a fiduciary duty to all our clients, which minimizes any conflicts of interest. This is a crucial distinction, because not all financial advisors are required to follow this standard.

Some may operate under a suitability standard, meaning they can recommend products that are merely appropriate but may not be the best option for you. Many are commission-based, and may choose a higher-commission product over a lower-commission option, even if it’s not necessarily the right product for your needs.

Choosing a fiduciary financial advisor ensures that your advisor is legally and ethically obligated to act in your best interest. Here’s why that matters:

• • Fiduciaries Put Your Interests First: Unlike non-fiduciary advisors who may recommend products that earn them commissions, a fiduciary must prioritize your financial well-being over their own compensation.
• • Transparency & Trust: Fiduciary advisors must disclose all potential conflicts of interest, ensuring you get objective and honest advice.
• • Fee-Based vs. Commission-Based: Many fiduciary advisors operate on a fee-only model, meaning they earn money directly from you rather than commissions from financial products. This minimizes bias in their recommendations.
• • Higher Standard of Care: Fiduciaries must follow the “Prudent Person Rule,” meaning they must make careful and well-researched decisions in managing your assets.
• • Long-Term Financial Success: Since their compensation is often based on a percentage of assets managed (or a flat fee), fiduciaries are incentivized to grow and protect your wealth, rather than push products that may not suit your needs.

Another key to choosing the right financial professional is their fee structure. A fee-only financial planner earns compensation solely from client fees rather than commissions on financial products. This model ensures transparency and reduces the likelihood of biased recommendations. In contrast, commission-based advisors might have incentives to push specific financial products, which could create a conflict of interest.

Customization is also an essential part of selecting a financial advisor. Your financial situation, risk tolerance, and long-term objectives are unique to you, and a one-size-fits-all approach may not give you what you’re looking for. You should seek out an advisor who takes the time to understand your financial goals, whether that’s retirement planning, wealth preservation, or tax efficiency, and tailors their advice accordingly.

Additionally, evaluate an advisor’s communication style and accessibility. We want you to be comfortable talking to us, feel heard, and get your questions answered. Our advisors strive to be proactive, responsive, and capable of explaining complex financial concepts in a way that you understand.

Lastly, check out our advisors’ track records and client reviews. Research their backgrounds through regulatory bodies such as the Securities and Exchange Commission (SEC) or the Financial Industry Regulatory Authority (FINRA) for your peace of mind, to help you feel secure in choosing us to manage your funds and provide you with financial advice.

Choosing a financial advisor requires due diligence, but by focusing on fiduciary duty, fee transparency, credentials, and personalized strategies, you can make an informed decision that supports your long-term financial success and see how Platt Wealth Management can meet your needs.

Meet the Financial Advisors at Platt Wealth Management

Understanding who will be managing your finances and growing your wealth is extremely important, and you want to feel confident that you’re making the right choice.

Jeff Platt, JD, LLM, CFA, CFP® – Founder & Chief Investment Officer

• Over 30 years of experience in investment management and wealth planning.
• Over eleven years in commercial real estate.
• Holds CFP®, CFA, JD, and LLM in Taxation from USD School of Law.
• Specializes in high-net-worth financial planning, investment strategy, and tax efficiency.
• Serves on multiple San Diego investment and financial committees.

Curtis West, CFP®, MSBA – Lead Financial Advisor

• Over 20 years of experience in financial services.
• Holds a Masters of Science in Business Administration (MSBA) and CFP® certification.
• Passionate about helping clients develop financial strategies that eliminate uncertainty.
• Specializes in retirement planning, investment growth, and tax-efficient strategies.
• Dedicated to mentoring and financial education, volunteers at CalEx Experience Camp.

Kai Kramer, CFA Candidate Level 1 – Financial Advisor

• CFA Level 1 Candidate with Series 65 Investment Adviser License.
• Background in economics and financial research from UCLA.
• Works on portfolio management, investment strategy, and financial planning analysis.
• Focuses on helping clients develop long-term wealth-building strategies.

Our advisors have years of experience and dedication to clients, giving you peace of mind, support, guidance, and the information you need for comprehensive financial planning.

Questions to Ask a Financial Advisor Before Hiring Them

Before you hire a financial advisor there are plenty of important questions to ask. You want to be prepared for consultations so you can make informed decisions for your financial future. At a minimum, be sure you understand the advisor’s approach, fees, and expertise. Then, ask questions that can help you gauge trustworthiness, experience, and compatibility. Here are some of the biggest questions to ask before choosing a financial advisor.

• • Are you a fiduciary, and do you always act in my best interest?
  • What are your qualifications and certifications?
  • How do you charge for your services (fee-only, commission, or fee-based)?
  • What is your investment philosophy?
  • Do you have experience working with clients in my financial situation?
  • How will we communicate, and how often will we meet?
  • What happens to my financial plan if something happens to you?
  • How do you handle market volatility and changes in economic conditions?
  • Can you provide client testimonials or references?
  • What sets your firm apart from other top financial advisors in San Diego?

Our advisors are happy to answer your questions. We understand the value of transparency and operate with an openness you can rely on. While choosing a financial advisor should be based on what they can do for you and your financial future, you also want to choose someone you feel comfortable with and can work with for the long term.

Why Choose Platt Wealth Management?

When you need a trusted San Diego financial firm operating with fiduciary duty, you need Platt Wealth Management. We’re a boutique firm with a highly personalized approach to financial planning and a fee-only structure that prioritizes client interests over commissions, so you know you’re getting the investment advice and strategy that’s right for your needs. Unlike many independent wealth management firms, we align our services to your goals and dreams, sharing our knowledge and expertise to increase your portfolio.

We offer a range of comprehensive services, including tax strategies, investment planning, and retirement planning, so you can work on your wealth management plans for your current situation and in the long-term. Choosing a financial advisor doesn’t have to be difficult when you come to us. We understand the serious nature of making this decision, and are dedicated to making it easy for you to see why we are a quality choice for your needs.

How to Choose the Best San Diego Financial Advisor

Selecting the right financial advisor is a critical decision that can significantly impact your financial well-being, both now and for the future. To ensure you choose a professional who aligns with your financial goals and interests, there are some steps we suggest.

Step 1: Identify Financial Goals

What are your financial objectives? Before searching for an advisor, you should be clear on whether you’re focused on retirement planning, wealth preservation, tax efficiency, or investment growth. Having clear goals will help you find an advisor who specializes in your needs.

Step 2: Research and Compare Fee Structures, Credentials, and Advisory Approaches

Once you know your goals, it’s time to research potential advisors. Look for professionals like ours, with relevant credentials such as Certified Financial Planner (CFP®) or Chartered Financial Analyst (CFA). These certifications indicate expertise in financial planning, investment management, financial guidance, and decision-making.

Additionally, consider the advisor’s fee structure. Our fee-only advisors, who earn compensation solely from client fees, can provide transparent and unbiased advice that may not be offered by commission-based advisors. Before you settle on any fee-only advisor, evaluate their advisory approach to ensure it aligns with your financial philosophy.

Step 3: Schedule Consultations to Discuss Strategy, Communication Style, and Fiduciary Status

Meeting with potential advisors is crucial for assessing compatibility. During a consultation, ask them to talk about their investment strategy, communication style, and whether they adhere to a fiduciary duty. Our firm operates as fiduciaries, so we’re legally and ethically required to act in your best interest. Also ask about your potential advisor’s approach to ongoing financial planning and how often they review investment portfolios.

Step 4: Review Investment Philosophies and Long-Term Planning Capabilities

A financial advisor’s investment philosophy should align with your risk tolerance and long-term goals. Some advisors take an aggressive approach, while others focus on wealth preservation. Additionally, you should assess an advisor’s ability to develop a long-term financial plan that evolves as your life changes, market conditions fluctuate, and economic trends adjust. You want, need, and deserve ongoing support and adjustments to keep your plans on track.

By following a structured approach to finding an advisor you can confidently choose someone who understands your financial goals, which can help you experience long-term success.

FAQs

What services does Platt Wealth Management offer?

Platt Wealth Management offers financial planning services including retirement planning, tax strategy, charitable giving, investment management, and custom financial planning options.

How does Platt Wealth Management charge for its services?

Platt Wealth Management is an independent, fiduciary, fee-only firm, meaning we don’t sell commission-based investment products, annuities, or insurance. When it comes to financial advisor cost, we charge only transparent fees for assets under management or flat fees for our services.

What is the advantage of working with a boutique financial firm?

Working with a boutique firm gives you the advantage of white glove services and custom strategies designed specifically for your financial situation. Our advisors understand that every client and their situation is unique, and there’s no one-size-fits-all approach.

How can I schedule a consultation with a Platt advisor?

You can schedule a consultation with a Platt advisor on our website, by emailing info@plattwm.com, or by calling us at 619.255.9554. We’re located in San Diego, CA.

Is Platt Wealth Management a fiduciary?

Yes, Platt Wealth Management is a fiduciary with the legal and ethical requirement of providing advice, services and investments that are best for you, the client.

What should I prepare before my first meeting?

Before your first meeting, make a list of questions you want to ask. You can bring financial statements and other information about your current situation, as well as thoughts about your goals and dreams for the future. Our advisors will help with the rest.