Award-Winning Financial Advisors Serving Communities in Santa Barbara & Los Angeles

Montecito Capital Management has been dedicated to advising clients with personalized wealth management since 2004 and the firm’s founder, Kip Lytel, CFA, has been an author, speaker and industry leader on financial topics for over two decades. We are an award-winning Registered Investment Advisory (“RIA”) firm offering comprehensive financial advisory services to individuals, families, trusts and businesses during the accumulation of asset phase, or in retirement. Notably, we are Fiduciary advisors and therefore adhere to the highest Fiduciary standard of being legally bound to prioritize our client’s “best interests” while at all times acting in good faith. You may assume that all advisors uphold the Fiduciary standard of care, but this is not accurate, as only 12% of financial advisors choose to meet this exalted standard.

Our financial advisory practice is all-encompassing from portfolio management, financial planning, retirement budget-income solutions, tax-efficient investing, estate planning, philanthropy, educational saving plans, to private asset holdings, such as real estate, private transactions and business matters. We strive to keep our clients fully informed on the status of their finances at every step of their advisory journey, ensuring a comprehensive understanding on all aspects impacting their wealth. Our resolute commitment to integrity and tailored financial advice surpasses basic values; it shapes trust as the cornerstone of our advisory relationship with clients.

We craft financially secure futures by focusing on specific goals: liquidity, sustained growth, guaranteed income, portfolio risk containment, all within the context of the client’s objectives and resources. Since we emphasize that the understanding of risks embedded in a portfolio is central to providing value to our clients, we actively manage and build diverse, multi-asset portfolios to capture long-term positive returns while having resilient portfolios that may help weather market volatility. Indeed, we are engaged in robust wealth enhancing strategies designed to shield client financial assets from potential risks, and unforeseen adversities, through innovative asset management, including portfolio construction, investment security selection, portfolio rebalancing, cost containment and tax efficient investing. Whether clients are looking for enhanced asset growth, income protection, tax deferral or reassurance in volatile markets, our modern portfolio strategies are designed to offer superior risk management, strength and stability tailored to our client’s return and income goals.

It is our philosophy to work with most anyone who is sincere in the prospects of improving their asset prosperity, retirement lifestyle and estate given they value advice and guidance from an experienced financial advisor. Our goal is to help clients achieve their financial and investment objectives by providing clear guidance, reducing risks, identifying opportunities, and implementing effective strategies. This is why successful long-lasting client relationships don’t happen by chance, but rather from hard work, depth of experience, earned trust and positive results. We focus on what really matters to clients, and for us that has been to spend a good amount of time identifying what is the best planning approach for each client’s unique financial and personal circumstances, followed by actionable advice for improvements.

For those seeking or are interested in exploring a new relationship with a financial advisor, we offer a complimentary initial advisory meeting and portfolio review. We often tell prospective clients that there can be plenty to worry about, but the fact that they have decided to consult with a professional advisor on any financial matter, then that in effect is taking an instrumental step toward a brighter financial future. It has been our experience that a personal advisor relationship can enable superior financial outcomes with an integrated financial strategy and professional asset management. Drawing from years of experience working with a range of clients, we have concluded that client relationships are built not on performance alone, but also on clarity of direction, structural approach, and shared purpose.