Personal CFO's helping Bay Area retirees live their ideal life

Here at Desmond Wealth Management, our specialty is working with high-net-worth visionaries over age 50, who are business owners, families, and/or surviving spouses.

Our goals are the same: to grow and protect your wealth.

Our personal CFO services would be the perfect financial fit for you if…

You’ve been worrying over questions and weighing decisions, like:

  • Should my investments change now that I am near retirement?

  • How can I pay the least amount of taxes over my lifetime?

  • How much should I sell my business for and on what terms?

  • How can I make sure my spouse will be taken care of when I am gone?

  • If I do not have a paycheck, what is my withdrawal plan so I do not run out of money?

  • Should I sell my real estate or keep it?

  • Things are getting too complex; how can I make my financial life simpler?

We’re here to create clarity so you can make financial decisions with confidence and peace of mind for the future.

You’re in a unique and pivotal stage of planning and executing your vision for the future.

We specifically work with those who are age 50 and above, have $2M+ investable assets, and identify as one of the following:

Business Owner who is at or near retirement needing guidance with:

  • Retirement & Pension Planning

  • Entity Structure

  • Tax Savings Strategies

  • Business Planning and Succession

Corporate Executive at or near retirement who needs guidance with:

  • Goal Planning and Progress Monitoring

  • Safety Review - Insurance & Risk Management

  • Estate/Trust and Charitable Planning

  • Wealth Forecast Modeling

  • Income Tax Reduction and Education Funding

Surviving Spouses and widows who need guidance to:

  • Identify your financial assets

  • Track and monitor cash flow

  • Determine whether to hold on to or sell key assets, like your home

  • Tax Savings Strategies

You’re looking for a financial partner who will wholeheartedly provide support both where you’re at and where you’re wanting to go:

  • You prefer to delegate to an expert so you can go out and enjoy retirement

  • You want to know your spouse/heirs will be in not just good hands, but great hands

  • You value having a "certainty of outcome" over "beating the market"

  • You need to design a plan to sell or exit your business

We’re here to meet your needs and open the path to the future, whatever that vision looks like for you and your family.

HERE’S HOW WE CAN HELP

Laser-focused personal CFO services delivered by a well-experienced and caring team.  

  • Financial Independence Planning

    Your financial future should make you feel in control, optimistic, and confident. That’s why we start with a clear-eyed view of each client’s current foundation, and then work to open the path toward their ideal future.

    Our team is devoted to helping clients discover their vision. Then we explore thoughtful and creative ways for their financial resources to achieve it, both now and in the future.

  • Investment Management

    Strategies for each client are directly aligned with risk capacity, account size, and future funding expectations.

    This personalization also means we can leverage tax loss harvesting to add additional value. Tax loss harvesting can improve after-tax returns for investors with concentrated stock positions or who want to limit their overall tax obligation.

  • Tax Planning & Return Prep

    Given our deep understanding of each client’s financial goals, we illustrate the tax implications of potential life changes to provide the financial, tax, and investment implications of these goals and how timing can be an important factor to consider.

    We solve clients’ tax needs by completing returns and running tax projections to identify tax-wise steps to boost after-tax wealth over time.

Explore Our Services

  • “Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves.”

    – Peter Lynch

  • "Think ahead. Don't let day-to-day operations drive out planning."

    – Donald Rumsfeld

  • The art is not in making money, but in keeping it

    – Proverb

  • “First rule of compounding: Never interrupt it unnecessarily.”

    – Charlie Munger

Simple 3-Step Process To Get You Started:

  • This 15-minute call provides an opportunity to learn if your needs match our expertise.

  • The goal of this meeting is to get perfectly clear on your goals, values, concerns, and unique financial situation.

    We talk less, ask more through open and curious inquiry, and actively listen. We want to really get to know you and what makes you tick.

    Your answers to our questions, along with the documents we request you bring, will guide our analysis which will result in plain-English answers in our next meeting.

  • We review our findings and recommendations that are specific to you. We explain exactly what you should consider in order to achieve the financial goals that are unique and important to you, such as:

    1. Can you afford to retire?

    2. Are you giving Uncle Sam a larger Tip than required?

    3. Will your portfolio replace your employment earnings?

    4. Protecting your assets from creditors and predators?

    At the end of this meeting, and if it makes mutual sense, we will explain our fees, and the next steps, and then ask if you would like to become part of our client community.

We listen. We plan. We Implement.

Let’s design a tailored plan for your financial future