Investment Advisory Services in San Diego, CA

Independent, Tax-Smart Investment Strategy Built for Long-Term Confidence

Your investments need structure—not speculation. Whether you’re building a tech career in UTC, running a medical practice in La Jolla, or managing a family business in North County, your portfolio deserves disciplined direction instead of broker-driven noise.


At Straight Talk CPAs, we deliver independent, fee-only investment advisory services that help San Diego professionals turn scattered accounts into a cohesive, tax-efficient, purpose-driven portfolio.


No commissions. No product pitching. Just a strategy built around clarity, discipline, and long-term wealth stability.

San Diego’s economic landscape runs on biotech, defense, tech, healthcare, and high-growth innovation. We understand the risk profiles, equity-comp structures, and market cycles tied to these industries—and we blend local insight with national and global investment strategies.



The result?

A portfolio built for the life you’re living now and the financial demands you’ll face next.

San Diego Insight. Global Investment Perspective.

We’re not brokers. We don’t chase trends. We guide you with structure, data, and context—so every move has intent behind it.


Our approach, built for precision:

  • Build an investment plan aligned with your goals, timeline, and risk capacity
  • Design diversified portfolios engineered for long-term efficiency
  • Integrate tax-smart strategies into allocation, rebalancing, and withdrawal decisions
  • Provide structured reviews that keep you grounded through market cycles



You get disciplined guidance—not noise, hype, or commission-driven advice.

A Framework That Brings Structure to Your Portfolio

Case Study: From Scattered Accounts to a Clear Investment Plan

A 43-year-old San Diego software director came to us with multiple old 401(k)s, RSUs from two tech employers, and a brokerage account running on autopilot. No strategy. No tax coordination. No long-term plan.


Here’s how we created clarity and direction:

  • Consolidated accounts into a unified, tax-aware investment structure
  • Built an allocation strategy aligned with growth goals and downside management
  • Integrated equity-comp planning to prevent surprise tax events
  • Automated monthly contributions tied to income and vesting schedules
  • Built a dashboard to monitor net worth, performance, and future projections


The outcome:

  • A cohesive, tax-optimized long-term roadmap
  • Reduced unnecessary taxable events through structured rebalancing
  • Clear milestones toward future financial independence



“For the first time, my investments feel intentional. I know exactly what the strategy is and why it works.”
— Daniel R., San Diego Tech Professional

Explore Our Other Services in San Diego, CA

List of Services

Why San Diego Investors Trust

Straight Talk CPAs

San Diego professionals want clarity—not confusion. Strategy—not products. And advisors who actually understand both investment planning and tax impact.

What sets us apart:

  • Fee-Only — no commissions or hidden incentives

  • CPA-Led Strategy — tax planning embedded into every decision

  • Transparent Pricing — fixed or flat-fee models

  • Quarterly Reviews — structured, data-driven check-ins

  • Global Market Insight — paired with a real understanding of San Diego industries

You don’t get products—you get precision, structure, and a smarter long-term plan.

Built for San Diego’s High-Achieving Professionals & Entrepreneurs

Our advisory services are built for individuals who want a clean structure and a tax-efficient strategy, including:

  • Executives, directors & high-earning professionals
  • Tech and biotech professionals with RSUs or equity compensation
  • Medical specialists and practice owners
  • Individuals preparing for retirement or life transitions
  • Families building long-term wealth or planning for a legacy

If you want a strategy-first approach instead of speculation, you’re in the right place.

Ready for a Smarter, Tax-Efficient Investment Plan?

You shouldn’t have to question whether your portfolio has a strategy behind it.

Let’s build a clear, disciplined investment plan that aligns your goals, risk, tax strategy, and long-term vision.

FAQs

  • How is your investment advice different from brokers or traditional planners?

    We’re fee-only, meaning no commissions and no product pushes. Every recommendation exists to support your long-term results—not someone else’s compensation.


  • Do you manage investments directly or guide the strategy?

    Both. Some clients prefer full management; others want collaborative guidance. We tailor the approach to how you like to operate.


  • How do taxes influence my investment plan?

    We factor tax impact into contributions, asset location, rebalancing, equity-comp planning, gain harvesting, and withdrawal timing. Tax strategy isn’t an add-on—it’s the backbone.


  • What’s the minimum portfolio size to get started?

    Most clients start with around $250,000 in investable assets, but fit matters more than a strict minimum.


  • Can you review my current advisor’s plan for a second opinion?

    Yes. We’ll evaluate performance, fee structure, risk alignment, and tax impact—then give you a clear, unbiased breakdown you can act on immediately.