Your Personal
Financial Director
Boutique wealth management for retirees, pre-retirees, and high-achieving families in Del Mar, CA. Backed by the research, technology, and infrastructure of LPL Financial, a Fortune 500 company.
California since 2015
FINANCIAL PLANNER® professional
500 company; Member FINRA/SIPC
Trifecta Wealth Management works with fewer than 100 families who have worked hard to build meaningful wealth. Now they are looking for a valued partner to help them work to preserve it, pursue growth, and make thoughtful decisions about it.
How We Help
Trifecta Wealth Management takes a holistic approach to wealth management, coordinating across the key dimensions of your financial life and collaborating with outside professionals where you choose to involve them. Our goal is for every element of your plan to work from the same picture rather than in isolation.
Retirement Planning
A tested plan for income, taxes, Social Security, and equity compensation while you're still working and retirement is finally coming into view.
Retirement Income Planning
Ongoing, coordinated planning for income, taxes, Social Security, and Medicare decisions once the paycheck stops.
Business Owner Planning
Personal wealth building, exit planning coordination, and tax strategy for owners whose net worth is concentrated in their business.
Charitable Giving Planning
Tax-efficient giving strategies coordinated with your broader financial plan, not handled as a separate decision each year.
Insurance Planning
A review of your life, long-term care, and disability coverage against the financial plan you have today, not the one you had at 45.
Investment Management
Personalized portfolio management built around your income needs, tax situation, and time horizon, coordinated with the rest of your financial plan.
Estate Planning
We raise the questions that surface gaps in your estate plan and facilitate the conversation with your attorney.
Tax Planning
Tax strategy coordinated with your investments, income, and estate decisions, not handled in isolation from them.
What Our Clients Say
It is to my great fortune to have met Chad Waters 7 years ago! My husband and I signed up with Chad to manage our portfolio. When Chad started his new business, Trifecta Wealth Management, we were all too happy to follow him, and Heather St. Amour, Trifecta's Branch Operations Manager. We trust them for our financial management and peace of mind, and whenever I call, the phone is answered immediately or I'm called back within minutes. It's so wonderful learning from Chad's expertise if I have a question or concern, he is so knowledgeable. I have recommended Trifecta to all of my friends and family. We are extremely satisfied clients!
My wife and I have worked with Chad Waters for 10 years since he knocked on my door a year before our retirement. Usually I shoo away people selling services but there was something about Chad that made me want to hear what he had to say. In our experience Chad and Heather have always had our best interests at heart. I find that they are always available. They have our absolute trust with our money for our financial plan and retirement savings. We look forward to a continued relationship with Trifecta Wealth Management, LLC.
Chad Waters and Heather St. Amour of Trifecta Wealth Management are a wealth of knowledge and they are always well prepared for our quarterly meetings. They are very patient with our questions and always provide knowledgeable answers. They always provide a great long-term plan and always take into account our risk tolerance. They always stay in touch and respond to our emails or phone calls in a timely manner. If my wife or I do not understand something they explain it in simple terms.
This statement is a testimonial by a client of the financial professional as of the indicated date. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.
Let's look at your financial picture together, and see whether your plan fits your current phase of life.
