Our Financial Advisors Begin with a Custom Financial Plan.

financial advisor valenciaOur financial advisors in Santa Clarita believe the secret to proper wealth building is applying a variety of financial planning strategies to help you work towards your goals. The days of buying and holding a portfolio of stocks and bonds are long gone. Now, you can choose from dozens of asset classes with broad diversification that may help protect your portfolio against today’s extreme market volatility. Working with a financial advisor you’ll learn that building wealth is a combination of proper savings techniques, budgeting, and properly protecting yourself and your assets from adversity.

We developed a series of wealth building mantras that we employ with every client. By using a combination of proper diversification, asset allocation and tax advantaged plans, we believe one can build substantial wealth over time. How much should you be saving each month to reach your short-term, mid-term, and long-term retirement goals?

Book a free consultation in our Santa Clarita, CA office to learn more.

We are a Fiduciary.

We only make recommendations that are in your best interests. Your interests before ours. We have no conflicts of interest and if we did, we have to disclose them to you. If you work with a Broker now, you owe it to yourself to get a second opinion soon.

A good financial plan is comprehensive, customized to your needs and addresses the following areas:

Plan for Retirement

Our financial advisors will work with you to:

  • Determine how much income you are going to need to retire.
  • Utilize various individual and business tax-advantaged retirement plans to provide you the best opportunity to address your goals. By focusing on minimizing taxes, our clients can pursue their goals without the heavy burden of both federal and state taxes.

Income Protection

Life Insurance can protect your family by providing providing an income stream or a lump sum of money to continue to support your family’s financial needs when you’re unable to due to illness or death. Life insurance can also protect your business that you’ve worked hard to build by helping to provide a succession plan addressing the needs of your business partners as well as your family.

Life has many twists and turns so it’s important for all of our clients to protect themselves with proper Insurance and Estate Planning. Proper Life Insurance planning is not a simple process. Our financial advisors will assist you in designing a custom Life Insurance plan to help you pursue your goals while protecting your family at the same time.

Debt Elimination

How much of your wealth is being siphoned off banks and credit card companies?  If you would like to be debt-free when you retire, our financial advisors can show you strategies to pay off your debt by a specific time.

5 Key Things to Consider When Hiring a Financial Advisor

Hiring the right financial advisor can be a game-changer for your financial future. At Virtue Wealth Management, we believe in transparency and empowerment. Here are five essential factors to evaluate when choosing an advisor. These ensure you're partnering with someone who truly prioritizes your success.

  1. 1. Independence: Look for an Independent Advisor

    An independent advisor isn't tied to a single company or product line, unlike captive agents who work for large firms and may be limited to their employer's offerings. This independence allows them to shop the market for the best solutions tailored to your needs, without corporate pressures influencing their recommendations. Why does this matter? It means more options and flexibility for you, leading to strategies that align with your unique goals rather than a one-size-fits-all approach.

  2. 2. Fiduciary Duty: Choose a Fiduciary Advisor

    A fiduciary advisor is legally obligated to act in your best interest at all times, putting your needs above their own or any company's. Non-fiduciaries (like some brokers) might recommend products that earn them higher commissions, even if they're not optimal for you. By selecting a fiduciary, you gain peace of mind knowing every piece of advice is objective and aimed at maximizing your outcomes—whether it's retirement planning or investment strategies.

  3. 3. Fee Structure: Opt for Fee-Based Compensation

    Fee-based advisors charge an annual fee based on assets under management (typically 1% or less), rather than earning commissions on products they sell. This model eliminates incentives to push unnecessary trades or high-commission items, fostering long-term relationships focused on growth. The result? Cost-effective advice that's aligned with your success, not short-term sales quotas.

  4. 4. Unbiased Recommendations: Ensure No Proprietary Biases

    Avoid advisors who promote in-house or proprietary investments, as this can create conflicts of interest—they might favor products that benefit their firm more than you. An unbiased advisor draws from a wide array of options across the market, providing recommendations based solely on merit, performance, and fit for your portfolio. This neutrality helps protect your investments and ensures decisions are driven by data, not affiliations.

  5. 5. Comprehensive Approach: Seek Holistic Financial Guidance

    The best advisors go beyond stock picks or portfolios—they offer comprehensive advice on all aspects of your financial life. This includes pursuing financial and life goals, tax optimization strategies, retirement income planning, income protection through insurance, and disability coverage. A holistic view ensures every decision supports your big-picture objectives, from building wealth to securing your family's future.

Book a Free Consultation

Your next step: Request your complimentary consultation.

Learn how we can help you create a custom financial plan towards reaching your goals.

Disclaimer:

  • There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
  • Asset allocation does not ensure a profit or protect against a loss.