Retirement Planning in San Diego & Orange County

Comprehensive retirement planning hinges on a tax-smart investment strategy.

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A tax-smart retirement plan optimizes your investments, taxes, income, and trust all in one strategy. Get organized across the strategic milestones in your life with our integrated 3-step financial planning process.

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Retirement is near. Or it’s already here. Let’s get clarity on your plan. The real retirement questions aren’t always about performance. They’re about:

Keeping more of what you’ve earned – not giving it away to taxes
Secure monthly income from your savings that will last a lifetime
Protecting what you’ve built and safeguarding your tomorrow
Knowing your investments match the lifestyle you’re heading into

I’m not retiring yet

As working professionals in tech and sales, we have questions about college savings, stock options, and maximizing our investment strategy. What new tax law changes might benefit me?

Let's create a plan together

I want to retire now

I’m 5 years from retirement and ready to get organized with a plan. How do I create a monthly paycheck from my accounts, and are there tax-efficient strategies I should consider? Did I save enough to retire a year or two early?

Let's create a plan together

I’m already retired

We sold our business five years ago and retired. We’re ready for a second opinion on our investments. What changes should we make? Are there tax updates to review on our trust and beneficiaries? How have my accounts performed net of fees?

Let's create a plan together

I’m new to managing my money

My partner took care of the finances and now, I’d like to learn more about investing and discuss changes I should consider. Am I on track for my lifestyle, or do I need to review my tax bracket and expenses?

Let's create a plan together

Our mission is simple – grow assets, preserve legacies, and always put your interests first.

The Moment of Clarity

True financial clarity comes from aligning every account with its optimal tax treatment and purpose. We structure Roth IRAs for tax-free growth, Traditional IRAs for efficient retirement income, and Trust and Brokerage accounts to actively minimize tax liabilities while maximizing legacy transfers.

Strategic refinements—like choosing U.S. Treasuries over CDs to eliminate state income tax (fed taxable) on interest, or utilizing tax-free fed and state municipal bonds—improving net yields in higher tax brackets. Our comprehensive approach gives you complete transparency, eliminates unnecessary costs, and turns complex portfolios into actionable wealth strategies.

Why do clients stay with us for life?

Financial Mentors
You need a plan. A financial plan is the foundation of your investment strategy.

Fees
As a fee-only advisor, we work with you on an agreed-upon fee for service. You will know exactly what your costs are and how well your accounts are performing.
We don’t
We don’t sell annuities, life insurance, we are not a broker-dealer, no 800 number or a call center.

Expertise
A well-versed background as a CFP, Certified Financial Planner, and a team with 50 years of experience in the financial services industry.
Investment Process
We follow Modern Portfolio Theory, which is an investment diversification strategy. Harry Markowitz introduced MPT in a 1952 essay at the University of Chicago and was later awarded the Nobel Prize in Economics in 1990 for that same theory.
Fiduciaries
We have taken a fiduciary oath to put your interests first. We are advocates for your financial well-being. We are a Registered Investment Advisor (RIA), with the SEC.

Our Process & What Makes Us Unique

What we do for you: Traditional financial planning drowns you in generic reports, lengthy questionnaires and meetings. We synthesize your entire financial picture into an actionable 2-Page Tax-Smart Roadmap—giving you absolute clarity on your next move. Organized by us, designed for you.

Step 1: Discovery – We gather all of your statements together either in person or through a secure upload link – essentially anything you’d like us to analyze finacially in your life —investment accounts, pensions, benefits at work, tax returns, trusts, real estate, stock options, loans, your budget, social security, medicare, excel sheets you’ve made, existing insurance for life, home, auto, boat, plane, we’ll cover it all.
Step 2: Fact finder – We analyze the full scope of your financial picture to deliver a streamlined, high-impact blueprint detailing any gaps, tax-optimization opportunities, income strategy, fees, asset allocation, and monte-carlo analysis for retirement readiness. We’ll cover what investments to change and why, account by account, in a clear and concise summary.
Step 3: Implementation – We handle the heavy lifting and execution, keeping you updated at every milestone. By reviewing your tax-smart plan monthly and quarterly, our team proactively makes adjustments when needed. Each year, we sit down together—in person, virtually, or over the phone—for a comprehensive review to evaluate progress, celebrate milestones, and refresh your long-term roadmap.

What will you get when we work together?

Financial Plan
The difference is planning – we create a tax-smart plan at the beginning, or along the way, so you have a roadmap and peace of mind about your money.
Trading / Investing
We do all the investment trades, but you’ll get notifications on your accounts when we do.
Contact

We have a direct phone number which means you know who’s working on your accounts and will get quick results.

Annual Review & Wealth Management
An in person or online detailed meeting to chat about your financial life and review your accounts. In addition, we’ll take inventory of your complete financial picture – tax return, trust, real estate, stock options, just to name a few.
Communication
We send out a monthly newsletter and blog to keep you up to date on our progress and current financial topics.
Custodians
Online accounts with our trusted custodian Charles Schwab – download the app for Schwab and Wealth Analytics.

Time
Most importantly, we take the time to understand your needs and handle your work with care and commitment.

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Google & Yelp Reviews

     
 
 
      Posted on Google  
   
   Troy Browning 
 21 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Mary Lu Howell 
 114 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I've worked with Jeff and the team since he started at Wealth Analytics, and it's been a positive experience. They focus on investing and retirement cash flow planning so I can enjoy retirement and meet my goals. We have annual meetings together to help figure out my spending and monitor my returns so that I stay on track to make my nest egg last!
  
 
     Posted on Google  
   
   Kevin C 
 135 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
I honestly believe I’d still be grinding away in an unfulfilling corporate job if it weren't for Wealth Analytics. They didn’t just manage my money; they got to know me personally to ensure my retirement dreams were actually attainable. From analyzing my lifestyle goals to assessing my financial health, their talented team made my transition seamless. There are so many layers to the support they provide that the cost is easily justified by the life I get to live now. If you want a team that cares about your future as much as you do, look no further than Wealth Analytics!
  
 
     Posted on Google  
   
   Kathryn Richey 
 153 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I cannot say enough wonderful things about the team at Wealth Analytics. Jeff Poole is brilliant. He has helped me create a personalized plan and provides expert investment advice. The entire team at Wealth Analytics quickly responds to my questions when I call. The personal care and attention provided is exceptional. Jeff Poole’s expertise and strategic planning is invaluable to me. The trust I have in this team cannot be described.
  
 
     Posted on Google  
   
   Nancy Shugg 
 160 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
     Posted on Google  
   
   Grant Brisacher 
 219 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’ve been a client of Wealth Analytics for over two years and couldn’t be more satisfied with the experience. They are a true boutique firm—highly knowledgeable, responsive, and genuinely invested in their clients’ success. What sets them apart is the combination of thoughtful strategy, clear communication, and personal attention. With a small team, you never feel like a number, and every recommendation is well explained and tailored to your specific situation. I have complete confidence in their advice and appreciate their long-term, disciplined approach. If you’re looking for a financial advisory firm that is both sophisticated and personal, Wealth Analytics is outstanding.
  
 
     Posted on Yelp  
   
   Myles P. 
 222 days ago
 
 
 Verified My wife and I have been clients of Wealth Analytics since 2008.  I went with them in 2008 because after managing our own investments for many years, when the "Great Recession" hit, I felt the need for professional management. I don't regret the decision. They are a "fee only" firm so you don't have to worry about them "churning" your account just to make money for themselves. They are highly professional. Our portfolio has done much better under their management than under my own. We are significantly ahead of where I think we would have been on our own. I find them trustworthy and highly responsive to any questions that I have. I feel very comfortable with them. We have an annual review with them when we meet to go over not only our investment portfolio but also what is happening in our lives. They take a genuine interest in what and how we are doing. I feel that I can call or email them at any time and get a quick response. I highly recommend them.
  
 
     Posted on Google  
   
   Frank Fontanella 
 245 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My wife and I have known Jeff Poole for almost 14 years.  We have always found him to be very knowledgeable, and client oriented.  When he joined Wealth Analytics, we moved our investments to continue our financial relationship.  He has helped us with managing our portfolio and have been very satisfied with the return we have experienced.  He has always been responsive to matching the investments to our lifestyle.  We have been satisfied and recommended him to our daughter and son-in-law.
  
 
     Posted on Google  
   
   Marilyn Schwartz 
 262 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My husband and I have entrusted Jeff Poole and his team at Wealth Analytics for years to ensure all of our financial goals are met.  Their customer service is top notch and our return on investment continues to meet or exceed our expectations.
  
 
     Posted on Yelp  
   
   Tony A. 
 267 days ago
 
 
 Verified Having retired and relocated to San Diego I was in need of the right Financial planning as I started this phase of my life. After vetting and searching I found Wealth Analytics! From the first phone conversation to meeting Jeff and the team in person it was a perfect fit. They have a wonderful "client first" attitude that feels more family than business coupled with the knowledge and awareness to help negotiate these interesting financial times! I highly recommend them if you want to feel secure about your financial future!
  
 
     Posted on Google  
   
   C Jankowski 
 412 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Integrity, expertise, great customer service!! Wealth Analytics has grown our brokerage accounts in good markets and bad markets. I highly recommend this company.
  
 
     Posted on Google  
   
   Judy Shafer 
 412 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +1
Ralph and I first met with the Wealth Analytics team in 2017 just before we both retired. They helped us determine the best financial plan for our existing savings and income portfolio. They took the time to get to know us and our personal retirement plans. They have guided us through the past 8 years. We are completely satisfied with their work! Whenever we needed their assistance they have been there for us.
  
 
     Posted on Google  
   
   Thomas Tave 
 412 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Jeff and the rest of the team are amazing. They are understanding of my financial goals, they are personal, professional and best of all they get results! Thank you all for your help in creating a lifelong lifestyle that I couldn’t have imagined.
  
 
     Posted on Google  
   
   mark sperry 
 415 days ago
 
 
 Trustindex verifies that the original source of the review is Google. +0
Extremely capable and responsive staff, to a person!  Always available and return calls are immediate. Amazingly competent advice without exception.
  
 
 
  
 
 
 Showing our latest reviews

Disclosure: Wealth Analytics has not offered compensation for reviews or testimonials. To the best of our understanding, there are no other conflicts of interest associated with these items. The client’s experience may not be representative of the experience of other clients and is not a guarantee of future performance or success.

We wrote a book. Download our guidebook below and start planning your retirement.

Our clients make this possible.

2026 Wealthtender VoC Highly Rated Advisor Award Logo

Wealthtender awarded Jeff Poole with its 2026 Voice of the Client Highly Rated Advisor Award on 9/9/26. Rating criteria based on eligible client reviews published on Wealthtender between 7/1/25 and 8/31/26. Although Wealth Analytics compensates Wealthtender for marketing services (including eligibility to be considered for this award), Wealthtender’s award criteria is objective and not influenced by compensation. This award is not a guarantee of future performance or success and client reviews may not be representative of the experience of all past or future clients. ↗️ View additional award details and FAQs (wt.reviews/awards)