Pacific Wealth Management offers personalized investment management, comprehensive financial planning, and consulting services for individuals, corporations, and other business entities. Founded in 2001 and based in San Diego, California, Pacific Wealth Management builds customized portfolios using individual stocks, bonds, mutual funds, exchange-traded funds, and other securities tailored to each client's goals and risk tolerance. The firm also provides guidance on cash flow strategies, retirement planning, insurance needs, estate planning, and education funding. In addition to investment management, clients can engage Pacific Wealth Management for standalone financial planning or consulting projects billed at hourly rates or flat fees. The firm primarily requires accounts to be custodied at Charles Schwab & Co., Inc.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 2.00% |
| $250K - $500K | 1.50% |
| $500K - $1.0M | 1.30% |
| $1.0M - $3.0M | 1.00% |
| $3.0M - $5.0M | 0.80% |
| $5.0M - $10.0M | 0.70% |
| $10M+ | 0.70% |
Fees for accounts over $10,000,000 are negotiable. Institutional accounts have a separate fee schedule starting at 1.50% for $500,000 to $999,999.