START HERE
Right Arrow White

Tax-savvy, client focused advice

Evidence-based advice to safeguard your financial future and realize your dreams.

Pattern Blue Orange White
Father with his childrenBridge

We are family-owned, independent financial advisors with office locations in Carlsbad, Sacramento, and Reno, NV.

Our niche is exactly who we are: business professionals and entrepreneurs with a major emphasis on the importance of family. We work with business owners, entrepreneurs, dental professionals, and neurodiverse families to develop a tax-savvy, goal-oriented financial plan.

FIND OUT MORE
Right Arrow White

Vistica Wealth Advisors: Trusted Financial Advisors in Carlsbad, Sacramento, and Reno

 

At Vistica Wealth Advisors, we pride ourselves on being a family-owned, independent financial advisory firm dedicated to providing personalized, evidence-based financial guidance. With offices in Carlsbad, Sacramento, and Reno, our team of certified financial planners and chartered financial analysts specializes in helping professionals, entrepreneurs, dental practitioners, and families with special needs achieve their financial goals.

Our mission is simple: to safeguard your financial future while helping you realize your dreams. By focusing on tax-savvy planning, wealth management, and collaborative solutions, we strive to deliver tailored strategies that work for you, your business, and your family.

Who We Serve

At Vistica Wealth Advisors, we understand that every individual and family has unique financial needs. That’s why we’ve developed a niche that mirrors our own values as business professionals and family-focused advisors.

1. Individuals & Families

Whether you’re starting out or planning for retirement, our financial advisors create comprehensive strategies to grow, protect, and transfer wealth efficiently. We address everything from daily financial decisions to long-term legacy planning.

2. Dental Practitioners

We specialize in working with dental professionals, helping them navigate the complexities of practice ownership, retirement savings, and wealth management. Our team provides actionable advice to help you optimize tax strategies and protect your hard-earned income.

3. The Disability Community

We are passionate about working with neurodiverse families, crafting tailored financial plans that ensure a secure future for all family members. Our deep understanding of special needs trusts, government benefits, and lifetime financial strategies sets us apart.

4. Business Owners & Executives

Running a business requires balancing countless priorities. As certified financial planners, we help business owners and executives create tax-efficient strategies to manage their personal and professional finances effectively.

What We Do

Integrated Advice

Our approach combines all facets of financial planning and investment management into one cohesive strategy. From retirement planning to estate preservation, we provide comprehensive, tax-savvy solutions tailored to your unique circumstances.

Collaborative Solutions

We work alongside you and your other trusted advisors, such as CPAs and estate attorneys, to ensure your financial plan is aligned across all areas of your life.

Enhancing Your Wealth

At the core of our services is a commitment to helping you make smarter financial decisions. Here’s how we do it:

1. Minimizing Taxes

We focus on strategies to minimize income and estate taxes throughout your lifetime. Whether you’re managing a high-income household or preparing for retirement, our certified financial planners ensure your wealth works harder for you.

2. Protecting Assets

Unforeseen challenges can threaten your financial stability. Our team identifies strategies to safeguard your assets from creditors, lawsuits, and other unwelcome third parties.

3. Reinforcing Your Legacy

We help families create thoughtful wealth transfer plans that reflect their values and priorities, ensuring future generations benefit from their hard work.

4. Charitable Giving

For those passionate about philanthropy, we develop impactful charitable giving strategies that align with your goals while maximizing tax benefits.

Evidence-Based Investment Methodology

At Vistica Wealth Advisors, we don’t believe in guesswork. Our evidence-based investment methodology is grounded in decades of peer-reviewed academic research. This approach ensures your portfolio is positioned for long-term success, regardless of market fluctuations.

Global Diversification: We use global diversification to manage investment risk. By balancing portfolios with high-quality fixed-income securities and alternative investments, we help stabilize returns.

Cost Management: Reducing investment costs is a priority, as lower expenses can significantly improve your overall returns.

Tax Optimization: By focusing on proper asset location, we help maximize your after-tax investment results.

We work closely with you to establish an Investment Policy Statement, which guides how your portfolio is managed and adjusted over time.

Financial Planning for Retirement

Planning for retirement is one of the most significant financial challenges many individuals face. Our chartered financial planners specialize in creating retirement strategies that allow you to maintain your lifestyle while accounting for inflation, market fluctuations, and unexpected expenses.

Key Components of Retirement Planning:

Income Strategies: Ensuring you have a reliable income stream during retirement.

Tax Efficiency: Structuring withdrawals to minimize taxes on retirement income.

Risk Management: Diversifying investments to protect against market volatility.

Health Care Costs: Planning for long-term care and rising medical expenses.

As your trusted financial advisors, we aim to provide peace of mind as you transition into retirement.

Why Choose Vistica Wealth Advisors?

1. Fiduciary Commitment

As a Registered Investment Advisor (RIA), Vistica Wealth Advisors operates under a fiduciary standard. This means we are legally obligated to act in your best interest, unlike brokers or insurance agents who may recommend solutions based on commissions or suitability standards.

2. Family-Owned and Independent

Being a family-owned firm allows us to prioritize our clients’ needs without the pressure of corporate agendas. We’re here to build lasting relationships based on trust, transparency, and results.

3. Client-Focused Solutions

We put our clients at the center of everything we do. Whether you’re searching for financial advisors near me or need specialized services for your business, we’re here to help.

The Vistica Wealth Advisors Difference

Our commitment to excellence has earned us the trust of countless clients in Carlsbad, Sacramento, and Reno. Here’s what sets us apart:

Tailored Plans: Every client receives a personalized plan designed to meet their specific goals.

Expertise Across Niches: We specialize in serving dental practitioners, business owners, and special needs families.

Transparent Communication: You’ll always know where your finances stand and why we recommend specific strategies.

Contact Vistica Wealth Advisors Today

Your financial future deserves expert care and guidance. Let Vistica Wealth Advisors help you create a plan that protects and grows your wealth while reflecting your unique goals and values.

With locations in Carlsbad, Sacramento, and Reno, our team of certified financial planners and chartered financial advisors is ready to provide the support you need.

Schedule a consultation today to start your journey toward financial peace of mind. Let’s build a brighter future together.

 

What we do

Integrated advice.
Collaborative solutions.

At Vistica Wealth Advisors, we believe everyone deserves finances built to last, with unmistakable evidence delivered by financial advisors who truly care.

Enhancing wealth

Helping you make smarter financial decisions.

Minimize taxes

Helping you minimize income and estate taxes over the course of your lifetime.

Protecting assets

Identifying strategies that can help protect your assets from unwelcome third parties.

Reinforcing your legacy

Reinforcing your legacy and values through a well thought out wealth transfer plan.

Charitable giving

Ensuring charitable giving is done in a meaningful and impactful way for those interested.

How do we work for you? Watch our video

2 people hugging

How can we help?

Family Icon
What impact do you want to make?

Is your focus on your family, your legacy, your community or something else?

Orange Line
Orange Line
Balance Icon
What’s your definition of a fulfilled life?

Is it achieving a work / life balance?

Taking time to travel or doing charitable work? What do you think will bring you contentment?

Wallet Icon
What’s important to you?

Is retirement something you value or do you want to continue working for as long as possible?

Do you want to spend more time with your children and grandchildren? Are charitable activities at the top of your list?

Orange Line
Orange Line
Orange Line
Security Icon
What are your financial concerns?

Is your primary concern not running out of money and maintaining your quality of life for you and your loved
ones?

How much risk can you tolerate and do you need to take to reach your financial goals?

Frequently
Asked Questions

MEET OUR ADVISORS
Right Arrow White
Are you a fiduciary?

Yes, we are a fiduciary. Because Vistica Wealth Advisors is a Registered Investment Advisor (RIA), we are required to put the interests of our clients before our own when providing advice. In contrast, advisors who work for brokerage firms or insurance companies may not need to act in your best interest and may recommend solutions that are only “suitable”.

Are you registered with the SEC?

Yes, we are registered with the United States Securities and Exchange Commission (CRD No. 147297).

How do we get paid?

Vistica Wealth Advisors provides fee-only financial planning and investment management services. We have several different fee options such as a tiered schedule based on assets under management, flat fee for certain services/agreements, as well as an hourly consulting rate for financial planning. The fee schedule or arrangement is agreed-upon on an individual basis prior to relationship engagement.

Do you have a minimum asset level?

We don’t have an asset minimum; we accept clients at all asset levels. We do have an annual fee minimum of $12,500 per year for our ongoing services, which can be paid from accounts we help you manage or through a bill pay service.

What are your qualifications?

Our advisors hold various designations and academic credentials. You can review our qualifications and experience on the Who We Are page.

How are my investments protected?

There are multiple layers of protection to safeguard investor assets. These layers of protection include (1) brokerage firms must meet minimum net capital requirements to reduce the likelihood of insolvency, (2) brokerage firms must keep customer securities and cash segregated from their own securities and cash (SEC Rule 15c3-3), and (3) brokerage firms are required to be members of the Securities Investor Protection Corporation (SIPC), which insures customer securities accounts up to $500,000. We primarily use Charles Schwab to establish and hold client investment accounts.  Here is a link describing the safeguards Schwab takes: https://www.schwab.com/legal/account-protection

What services do you provide?

We provide a comprehensive suite of services, all included in your annual planning fee. The services we provide are discussed here.

Do you provide a written Investment Plan?

Yes, we provide an agreed upon and written Investment Policy Statement and financial plan.  Your financial plan is a living document with which you have the ability to monitor and make adjustments online through your Client Portal.  Each of our clients’ plans are personally crafted on their ability, willingness and need to take investment risk, financial intentions and goals, investment and income resources, tax and estate planning concerns, and socio-economic preferences. These documents are revisited at least annually to ensure all inputs and ongoing objectives remain relevant. 

How will our relationship work?

When you engage Vistica Wealth Advisors, we become your consultant and partner to help you address ongoing tax, estate and financial planning concerns. Most clients meet with us anywhere from 2-4 times per year, however, we do not limit you to this or require this of you. We are happy to meet with you anytime and are just a phone call away for all of your financial planning needs as questions arise or to make adjustments to plans as life goes along.

Upon initiation of our engagement, we will provide you with a thorough, customized financial plan and investment policy statement. We provide you with easy viewing and 24/7 access to view a consolidated look at all of your investments, plans etc. through a client portal.  You’ll also of course be able to check investments directly at your custodian’s website.

How will our relationship work?

When you engage Vistica Wealth Advisors, we become your consultant and partner to help you address ongoing tax, estate and financial planning concerns. Most clients meet with us anywhere from 2-4 times per year, however, we do not limit you to this or require this of you. We are happy to meet with you anytime and are just a phone call away for all of your financial planning needs as questions arise or to make adjustments to plans as life goes along.

Upon initiation of our engagement, we will provide you with a thorough, customized financial plan and investment policy statement. We provide you with easy viewing and 24/7 access to view a consolidated look at all of your investments, plans etc. through a client portal.  You’ll also of course be able to check investments directly at your custodian’s website.

How would you describe your investment strategy?

We are committed to an evidence-based investment methodology. Decades of peer-reviewed academic literature and research guides our recommendations. We will help you ignore the market’s uncontrollable elements and maximize those that can be managed – such as reducing costs and helping to improve after-tax investment results through proper asset location.  We manage investment risk with global diversification as the starting point and balance the diversification policy with an allocation to high-quality fixed income and alternative investments for some. We manage the portfolio in accordance with the agreed upon Investment Policy Statement and Financial Plan.

What custodian do you use for investment accounts?

We primarily work with Charles Schwab. If your accounts are already at Schwab, great! If not, we can help you with establishing accounts at Schwab and transfer your assets in-kind.

Do you do financial planning?

Yes, financial planning is a major part of our day-to-day work for clients. Please find the comprehensive suite of services we provide here.

What if I wish to cease the relationship with Vistica Wealth Advisors?

We have a very high retention rate of our clients. If for any reason you wish to terminate the relationship with us, there is no fee or penalty to do so. You’ll simply remove our Limited Power of Attorney authority on your Charles Schwab accounts.  We will aid in the transfer of accounts and anything else you may need for a smooth transition.

Envelope Icon

If opportunity doesn’t
knock, build a door.

SUBMIT MESSAGE
Right Arrow White
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Pattern Blue Orange White
Phone Icon
Let's start planning together, call 760 854 4003