Skip to content 
Financial Advisory, Retirement Planning & Business Consulting
Montecito Capital Management provides fiduciary wealth management, retirement planning, and strategic business advisory services for clients who value clarity, disciplined execution, and long-term partnership.
Choose the service area that best matches your needs, then explore the full detail page for each offering.
Fiduciary advisory model
Years of advisory experience
Institutional custody access
Personal and business guidance
One Advisory Relationship Built Around the Full Financial Picture
Our services are designed to connect the major financial decisions that affect clients across wealth, retirement, business, family, and long-term legacy planning.
Rather than treating portfolio management, retirement income, tax strategy, estate concerns, and business decisions as separate issues, we integrate them into a clear advisory framework.
The result is practical, disciplined guidance that helps clients make better decisions, manage risk, identify opportunities, and move forward with confidence.
Integrated Advisory Services
Financial planning, portfolio guidance, retirement strategy, and business advisory support.
Choose the Right Service Page
Each service page is designed to explain the full scope, process, and value of that advisory area.
Financial Advisory Services
Comprehensive fiduciary advisory covering portfolio management, financial planning, tax-aware investing, estate and legacy planning, private assets, and long-term wealth decisions.
- Portfolio management
- Financial planning
- Risk management
- Schwab custody and transparency
Retirement Planning
Retirement-focused planning to help clients evaluate income needs, spending, Medicare choices, tax considerations, withdrawal rates, sequence risk, and long-term financial fitness.
- Retirement income planning
- Sequence return risk
- Tax considerations
- Financial fitness monitoring
Business Consulting
Strategic business advisory for owners, executives, and boards focused on growth strategy, capital allocation, operational improvement, governance, and inflection-point decisions.
- Growth strategy
- Capital strategy
- Board advisory
- Fractional executive support
Clear Process, Better Decisions, Long-Term Alignment
Every engagement begins with understanding the client’s full financial picture, then building a strategy that can be implemented, monitored, and adjusted as circumstances change.
Discover
Understand goals, risks, priorities, assets, business interests, and retirement objectives.
Analyze
Implement
Monitor
Review progress, update assumptions, rebalance when needed, and adjust over time.
Fiduciary Guidance With Boutique Attention
Clients work with Montecito Capital Management because they want informed advice, responsive communication, and a disciplined advisory process.
Independent Fiduciary Advice
Guidance is structured around client goals, not product sales or commissions.
Integrated Planning
We connect portfolio, retirement, tax, estate, income, and business decisions into one strategy.
Institutional Discipline
The firm applies investment rigor, risk awareness, and long-term thinking to private client wealth.
Start With a Complimentary Conversation
Contact Montecito Capital Management to discuss which advisory service best fits your needs.
Telephone: 1-805-965-7955
Email: contactus@mcapitalmgt.com
Hours: Monday to Friday, 6:30am to 6:00pm
Office Locations
Santa Barbara Office
225 East Carrillo Street, Suite 203
Santa Barbara, CA 93101
Los Angeles Office
522 South Sepulveda Boulevard, Suite 207
Los Angeles, CA 90049
Find the Advisory Path That Matches Your Goals
Whether you need financial advisory, retirement planning, or business consulting, the right next step begins with a clear conversation.
