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Award-Winning Financial Advisors Serving Santa Barbara & Los Angeles
Fiduciary, client-first wealth management dedicated to helping clients build, preserve, and distribute capital with clarity and discipline.
Your Journey. Your Wealth. Our Strategy.
Montecito Capital Management has been dedicated to providing fiduciary, client-first wealth management since 2004. Our Registered Investment Advisory firm partners with clients to steward wealth through its most critical phases: building, preserving, and distributing capital with clarity and discipline.
Through thoughtful risk management, deep asset-class expertise, and disciplined investment selection, we build strategies designed to solve many of today’s most significant financial challenges.
- Direct access to your lead advisor
- Proactive calls and personal guidance
- A multi-generational planning approach
Comprehensive Financial Advisory Services
Integrated solutions designed for high-net-worth families and individuals.
Portfolio Management
Customized investment strategies for long-term resilience and growth.
Financial Planning
A roadmap around your goals, life stages, and estate goals.
Retirement Income
Strategies designed to help create sustainable income throughout retirement.
Tax Efficiency
Coordinated strategies with your CPA to minimize tax drag on your portfolio.
Estate Planning
Protecting and transitioning your legacy for future generations.
Private Assets
Reporting and guidance for alternative investments and illiquid holdings.
Risk Management
Hedging strategies designed to protect against major market downturns.
Education Planning
Funding the future for children and grandchildren through smart planning.
Philanthropy
Maximizing the impact of your charitable giving through tax-smart gifting.
Business Succession
Planning for the eventual sale or transition of your business interest.
Legacy Planning
Ensuring your values and financial legacy endure for generations.
A Strong Financial Future Starts With The Right Partnership
Our difference is by design. We uniquely check the boxes clients want from an advisor.
Recognized Excellence
Award-winning advisory firm recognized for client satisfaction, service quality, and wealth management guidance.
True Fiduciaries
We act in your best interest with independence and integrity. No products. No commissions. No conflicts.
Boutique Strength
You are never just an account. Our intentional boutique structure enables personalized care and responsive guidance.
Secure Custody
Client assets are held at Charles Schwab with institutional resources, transparency, and third-party reporting.
Tailored Planning
Every strategy aligns with your goals, lifestyle, family needs, and changing priorities.
Transparent Fees
Clear communication, no hidden fees, and a declining fee structure designed for clarity.
Disciplined, Risk-Aware Wealth Management
We craft financially secure futures by focusing on specific goals: liquidity, sustained growth, guaranteed income, and portfolio risk containment.
Risk Understanding
Understanding the risks embedded in a portfolio is central to delivering value to clients.
Diversified Portfolios
We actively manage and build diverse, multi-asset portfolios to pursue long-term positive returns.
Resilience
Strategies are built to help portfolios stay resilient through changing market conditions.
Clear Guidance, Practical Strategy, Long-Term Trust
It is our philosophy to work with clients who are sincere in improving their asset prosperity, retirement lifestyle, and estate outcomes, and who 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.
Long-lasting client relationships come from hard work, depth of experience, earned trust, and positive results.
Our Financial Planning Process
Financial planning should be clear, easy to understand, and fully transparent.
Discovery
Understanding your goals, challenges, and vision for the future.
Organization
Gathering and organizing financial information so we begin with clarity.
Analysis
Assessing your current financial landscape to identify opportunities.
Planning
Designing a custom wealth management strategy tailored to your needs.
Implementation
Putting your tailored plan into motion with precision and care.
Ongoing Guidance
Continuous monitoring, reviews, and adjustments as life evolves.
Fiduciary, Holistic & Inclusive Wealth Management
As a pure fee-only advisor, our approach is holistic, independent, and fiduciary-driven. We are not in the business of selling investment products, and we do not accept commissions.
Our sole compensation is derived from a fixed rate on assets we actively advise. The fee-only approach often aids clients with a sliding fee scale of 1.0% to 0.6% of advised assets.
- No products
- No commissions
- No hidden fee structure
- Transparent asset-based compensation
Premier Asset Custody With Charles Schwab
We offer access to the Institutional Service Group at Charles Schwab, where clients benefit from a dedicated service team with advanced trading and research options.
Montecito Capital Management’s goal is to provide reliable asset custody, trade execution, and transparency at a low cost through Charles Schwab.
- Client assets are held in custody at Charles Schwab.
- Accounts remain in the client’s direct ownership.
- Clients receive third-party brokerage statements directly from Schwab.
- Clients have 24/7 online access to their Schwab accounts.
Common Questions About Working With Us
When should you consider working with a financial advisor?
Once you start saving for retirement or planning for your future, it is smart to have a trusted advisor by your side.
Is there a type of client criteria?
Clients come from diverse ages, backgrounds, and financial paths. The firm typically recommends at least $250,000 for diversified portfolio construction.
How are you compensated?
The firm is fee-only and fiduciary. Compensation is asset-based, with no commissions or hidden product sales.
What is your investment philosophy?
Client goals drive the plan. Portfolios are tailored around liquidity, growth, reliable income, and risk management.
Let’s Discuss What Matters Most To Your Financial Future
We align with our clients’ financial objectives by delivering personalized financial guidance, strategic asset planning, retirement roadmaps, comprehensive assessments, and modern portfolio management.
