Trusted financial advice when you need it most.

Schedule a Consultation

What does success look like for you?

Kaiyo Wealth is a Financial Planning & Investment Management firm based in San Diego, California.

Our advisors use their expertise in investments, tax, estate, and financial planning to help you make decisions and realize financial success.

We are fiduciaries – committed to putting your best interests first.

Schedule an appointment today, and let’s see how we can work together for your future.

Financial Planning & Investment Management

What We Do

Our goal is to take the complexity out of financial decisions to get you back to what matters most.

Our systematic approach starts with understanding who you are, your immediate needs, and your plans for the future. Using financial modeling and analysis, along with practical insight from years of helping clients succeed, we answer the questions that matter most.

With a financial roadmap in place, our team of experts will take the lead in implementing custom financial strategies.

Our Services
wealth management ideal graph

When you work with a fiduciary, you pay for advice, not a product.

managing wealth with strategic investments

Who We Work With

At Kaiyo Wealth, we specialize in partnering with clients who value professionalism and expertise in managing their wealth. Our ideal client is someone who seeks to preserve and grow their assets through informed, strategic investment management. We partner with individuals who appreciate thoughtful, respectful collaboration and are committed to making sound financial decisions with integrity and respect. If you’re looking for a trusted advisor to navigate your financial future with care and diligence, we’re here to help.

Financial advice for the questions that matter most (to you).

Make smarter decisions faster. Financial planning for every stage of your life.

About Kaiyo Wealth

We created this firm to have the freedom and independence to treat every client like family.

We are a community-focused company that takes pride in giving back and doing our part to shape our landscape for future generations. Our advisors regularly volunteer their time and expertise with various local non-profits.

We take our fiduciary oath seriously. Schedule a time to talk to see if we are a good fit.

Our Thoughts

June 2025 Newsletter

Posted on
In This Issue: How the AI Tsunami Will Reshape Our World Order We’re excited to share some truly thought-provoking insights from Mitch Siegler, Senior Managing Director at Pathfinder Partners, regarding the transformative…

May 2025 Newsletter

Posted on
In This Issue: Charitable Donation Strategies: Giving Back with Intention As financial planners, we often see our clients driven by a desire to provide for their loved ones. But for many,…

April 2025 Newsletter

Posted on
In This Issue: After Taxes Ready to maximize your 2025? Let’s start by taking a peek at your 2024 taxes. Go ahead and upload a copy of your 2024 tax return…
More Thoughts

Our Thoughts

June 2025 Newsletter

Posted on
In This Issue: How the AI Tsunami Will Reshape Our World Order We’re excited to share some truly thought-provoking insights from Mitch Siegler, Senior Managing Director at Pathfinder Partners, regarding the transformative…

May 2025 Newsletter

Posted on
In This Issue: Charitable Donation Strategies: Giving Back with Intention As financial planners, we often see our clients driven by a desire to provide for their loved ones. But for many,…

April 2025 Newsletter

Posted on
In This Issue: After Taxes Ready to maximize your 2025? Let’s start by taking a peek at your 2024 taxes. Go ahead and upload a copy of your 2024 tax return…
More Thoughts

Frequently Asked Questions

  • Retirement Planning
  • Investment Planning & Strategy
  • Legacy/Estate Planning
  • Risk Management
  • Tax Planning
  • How do I protect my assets?
  • How should I invest my money?
  • How much cash do I need?
  • Do I need a trust?
  • Am I on track for retirement?
  • How do I get the most out of my employer benefits?
  • What’s the most tax efficient way for me to save?
  • Should I invest in pretax or after-tax retirement accounts?
  • How do I handle my employer stock options?
  • How can I pay for college?
  • What do I do with my inheritance?
  • When should I file for social security?
  • How can I lower my tax liability?
  • Should I do a Roth Conversion?
  • What charitable gift strategies are best for me and my family?
  • Do I have enough life insurance?
  • How do I use my wealth and create a legacy?

Yes. Kaiyo Wealth is a Registered Investment Advisory firm and acts as a fiduciary in all engagements with clients.

We believe combining a disciplined, long-term investment strategy with goals-based financial planning keeps clients on track to accomplish their goals while minimizing investment risk.

Investment strategy: Disciplined & Diversified

Disciplined. A long-term investment strategy for all market conditions and avoiding timing the market or chasing returns. A well-crafted financial and investment plan helps clients stay the course and avoid poor investment decisions based on fear or greed.Investment Planning & StrategyLegacy/Estate Planning.

Diversified.  No single investment’s performance should determine the outcome of your success. There are no sure things in the markets. Spreading your holdings across different investments helps you prepare for any market outcome, rather than trying to predict what will come next.

Investments: Low cost, Liquid, and Tax-efficient

Low cost. The effects of high investment costs compound over the years and reduce investor performance. Reducing portfolio expenses directly adds returns to portfolio performance.

Liquid. Investments with greater liquidity reduce complexity and allow for easier portfolio rebalancing to match investors risk appetite and investment time horizons.

Tax efficient. By primarily using low-cost exchange-traded funds that track market indices, we can reduce the taxable events from the portfolio that are generated from buying and selling securities in an actively managed fund and from capital gains distributions from mutual funds.

Depending on goals, risk tolerance, and a sound investment opportunity, some clients may be invested in alternative investments.

At Kaiyo Wealth, we seamlessly connect with clients nationwide through secure and convenient remote services, ensuring personalized financial planning and investment management no matter where you are.

No! We custody our client’s assets at Charles Schwab and Altruist, LLC. This ensures there is always a firewall protecting your assets.

We are a fee-only firm. That means that you are paying for advice. There are no commissions for any investment products so that you can be sure that any recommendations are made based on our belief that it offers you the best option for success.

Our fees are withdrawn quarterly from the investment accounts we manage. 

Total Assets Under ManagementAnnual Fee
$0 – $2,000,0001.00%
$2,000,001 – $3,000,0000.80%
$3,000,001 – $5,000,0000.60%
$5,000,001 – $20,000,0000.50%
All assets over $30,000,0000.40%

Contact Us

Get help with the questions that matter to you.

Schedule a Consultation