The Arrival of New Wealth

Moments In Your Life – The Arrival of Wealth

There are moments in life when wealth arrives in a single moment.  This can be due to an inheritance, the sale of a business or substantial asset such as real estate, a divorce or the death of a spouse.  Each of these unique circumstances present separate challenges, however there are some common issues to consider.  At CSJ Wealth Management, our primary services involve portfolio and investment construction and management.  The arrival of capital requires careful consideration and planning.  Ultimately, our experienced team will help design and manage a portfolio that preserves wealth while giving you the freedom to actively engage your life with peace of mind.

What Are the Initial Steps in Planning?

One doesn’t go from where they have been for several years to a new investment strategy in a day.  Substantial capital requires careful planning.  There are some questions we help you to review such as:

• Do you have substantial debt or high interest debt?
• What retirement assets have you developed thus far?
• What insurance do you have in place? (Note, CSJ does not sell insurance; When insurance is needed we provide sound guidance to our clients to ensure the right amount of protection)
• Do you have a six-month emergency fund that covers all present budget expenses?

You will be guided by seasoned advisers who will help you to establish accounts with proven independent providers such as TD Ameritrade, Schwab or Interactive Brokers.  You are always free to access your own accounts and are not locked into a proprietary program or product offerings as you would experience at a large investment bank.

A Balanced Approach Based Upon Decades of Expertise

We will develop a portfolio investment and management strategy that reflects your personal appetite for risk while taking advantage of opportunities throughout the global financial marketplace.  This is a long-term strategy, not a get-rich-quick scheme.  Your CSJ advisers will develop a portfolio that generates passive income which will slowly but steadily establish or increase financial independence.  We blend a variety of investments balancing growth without volatile risk and security without remaining too conservative based upon your unique personal style.

We work with your existing financial team including CPAs and tax advisers, and other financial professionals to tailor a strategy which meets your present and future financial needs.  If you are selling an existing business, there will be tax considerations based upon the structure of the transaction, the basis in your company, your age and the distribution of funds at closing or through the hold-back cycle that often follows. 

If you have just lost a spouse, you will have several financial and tax-related details to manage.  You don’t have to face these alone.  We guide you through the process while coordinating and consulting with your team of professionals.  Each professional may be knowledgeable regarding a piece of the puzzle.  Our expertise is managing the entire picture.We serve as your personal adviser while developing the long-term strategy that will protect your capital and move The Freedom and Peace of Mi

We serve as your personal adviser while developing the long-term strategy that will protect your capital and move you toward your ultimate goals.

The Freedom and Peace of Mind to Actively Enjoy Your Life

The seasoned executives at CSJ Wealth Management are not the typical financial planner or run-of-the-mill adviser.  We provide decades of experience and expertise.  We have managed our own substantial portfolios and do not need to turn our client’s portfolio or sell products to derive an income.  Our fee-based fiduciaries ensure that your goals and success are our priority.

CSJ Wealth Management is the dependable and experienced foundation that helps you to have financial confidence and peace of mind.  What is your next project?  What interests are you preparing to pursue?  Will you travel, learn new skills or develop existing talents?  Are you simply ready to enjoy the fruits of a lifetime of labor?

CSJ Wealth Management clients enjoy independence, and the freedom to engage and enjoy their lives.  They know the power and security that comes from a portfolio in proven, skilled hands. 

Are you are prepared to face the financial developments of a changing world, with the peace of mind that knows you are working with some of the most skilled and experienced executives in the San Diego?  We invite you to contact us or call to speak with us personally at (858) 350-1365.