Cayucos Wealth's
Approach to Financial Planning

What We Do

For those seeking to navigate the sometimes-choppy waters of the markets, Cayucos Wealth’s approach to financial planning makes it possible for you to catch the trade winds in your sails and live an adventurous retirement.

We’re honest and straightforward in providing insight to hidden costs, how investments are structured, tax implications and the unique the cost of risk. We outline possibilities and knowledgeably walk you through your options. We build custom plans and portfolios tailored to the unique needs of each client, then work with them one-on-one for a lifetime.

John McManus, Cayucos Wealth

Values that Get Right to the Point

Put Family First

We’re a family who is here for yours. We’re on the journey with you and those you love as you navigate life’s challenges and opportunities. We walk you through the complex financial world of markets and securities and have your back with day-to-day family issues like paying bills for elderly parents or advice about expensive life decisions. We put our family and your family at the center of everything we do every day.

Respect Relationships

The fiduciary nature of our business requires that we do what’s best for our clients always. But we would do that anyway. We respect the people on our team, the outside professionals we work with on a day-to-day basis and our clients, many of whom are our neighbors and have become friends. Honesty and integrity matter to us.

Seek New Ideas

We listen to clients. We hear what experts say. We remember what’s important to people. We also read about the markets and the industry daily. We consider ourselves lifelong learners – but it’s more than that. We want to incorporate best practices into our business and offer individualized strategies and solutions to our clients. That means seeking new ideas and incorporating them where they fit.

How We Work Together

The Cayucos Wealth process is tried and true. Let us put it to work for you.

There are things about signing on to a process over the long term that protect you from the buffering winds of change.

Chuck Close, American Artist and Photographer

Table Talk

Our first meeting is the chance to just get to know each other. It’s information and conversational and we talk about your goals.

Discovery Session

When you decide we’re your team, we move to this hour- or two-long session where we discuss the important questions about wealth. We discuss our strategies for getting you where you want to be and talk about your options.

Presentation
& Education

We provide a personally tailored financial plan that addresses your goals and makes recommendations for achieving them. We explain the intricacies about the plan so you’re comfortable and understand the components of it.

Implementation
& Integration

We put your plan in action! The portfolio we design will be clear and concise and will define what will be done and when. You will have access to your portfolio through Schwab’s account technology.

Maintain
& Manage

We meet with you regularly so your plan remains on track. Life changes, and we’re here to help you update your plan when necessary.