Fee-Only Advisory Fiduciary Wealth Management

Award-Winning Financial Advisors

Trusted Financial Guidance for Your Future

Montecito Capital Management helps individuals, families, and business owners grow their wealth, protect it against uncertainty, and make confident decisions through every stage of life.

Our fiduciary wealth management approach is built around personalized investment strategy, retirement planning, portfolio guidance, and long-term financial clarity.

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PlanPersonalized financial roadmap

InvestPortfolio strategy and monitoring

ProtectRisk and contingency planning

ReviewOngoing financial fitness

Fiduciary Wealth Management

Celebrating 20 Years of Excellence

We focus on more than assets. We help clients pursue financial confidence, preserve what they have built, and align their wealth with the life they want to live.

Our experience spans investment management, retirement income planning, financial advisory services, portfolio strategy, and customized planning for individuals, families, and business owners.

We support clients through market changes, major life decisions, business transitions, and long-term wealth planning, where clarity and discipline are essential.

Financial Advisory Services
Retirement Planning
Portfolio Management
Custom Financial Planning

Purpose-Driven Wealth Clarity, expertise and trust for long-term planning.

Financial Guidance & Wealth Oversight

Comprehensive Services for Individuals, Families and Business Owners

We help individuals and families make confident financial decisions with clear, structured advice focused on long-term growth, disciplined planning, and strategies tailored to your goals.

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Financial Advisory Services

Professional financial guidance tailored to your goals, helping you make informed decisions with clarity and confidence.

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Retirement Planning

Strategic planning to help you build, protect, and sustain your wealth throughout retirement.

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Portfolio Management

Disciplined investment management focused on long-term growth, risk control, and consistent performance.

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Custom Financial Planning

Personalized financial strategies designed around your unique income, goals, and future plans.

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Business & Wealth Strategy

Advisory support for business owners looking to grow, structure, and protect their financial position.

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Financial Planning

Expert guidance tailored to your life goals, retirement, estate, tax and long-term wealth priorities.

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Core Areas of Expertise

Structured Guidance Across Investment, Planning and Advisory Services

We provide structured financial guidance across investment, planning, and advisory services, with a focus on clarity, organization, and long-term results.

Investment & Portfolio Management

Disciplined portfolio construction, asset allocation, and ongoing management across public and private markets.

Financial Planning & Cash Flow Strategy

Comprehensive financial planning, including budgeting, cash flow analysis, and long-term scenario modeling.

Retirement & Income Planning

Design and management of sustainable retirement income strategies aligned with client objectives.

Tax Strategy & Optimization

Tax-efficient investing and coordination with broader tax planning considerations to enhance after-tax outcomes.

Estate, Legacy & Philanthropy Planning

Estate structuring, wealth transfer strategies, and philanthropic planning aligned with client values and legacy goals.

Private Assets & Complex Holdings

Oversight and strategic guidance across real estate, private investments, business interests, and other non-public assets.

Our Principles

Fiduciary Guidance, Transparency and Personalized Strategy

Financial success starts with the right partner. Our difference is what sets us apart from the crowd.

Fiduciary Guidance

We put client interests first and provide advice designed around each client’s goals, needs, and financial situation.

Transparency

Clients should understand the advice they receive, the fees they pay, and the strategy behind each decision.

Personalized Strategy

No two clients are the same. We build financial plans and investment strategies around each person’s unique path.

Asset Safety

All client assets are held in custody at Charles Schwab with full transparency, protection, third-party reporting, and 24/7 access.

Boutique Strength

Hands-on boutique care, powered by Schwab’s scale, resources and extensive capabilities.

Transparent Fees

Clear communication, no hidden fees, step-by-step process, and a fee schedule structured to decline as assets grow.

Kip Lytel, CFA Founder and Managing Wealth Advisor.

Leadership That Elevates Prosperity

Insight-Driven Wealth Stewardship

Kip Lytel, CFA, is the Founder and Managing Wealth Advisor of Montecito Capital Management, a fiduciary, fee-only Registered Investment Advisory firm with offices in Santa Barbara and Los Angeles.

A thought-leader and prominent voice in modern finance, Kip is regarded as a trusted industry figurehead known for his clear, engaging insights as an author and speaker, and for more than two decades of guiding clients toward smarter, more strategic financial decisions.

Before founding Montecito Capital Management in 2004, Kip held senior investment roles at multi-billion-dollar asset management firms, where he developed deep expertise in institutional portfolio construction, advanced risk management, and quantitative investment research.

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Our Financial Planning Process

How It Works

As an advisor, we keep a relentless focus on quality and on consistently exceeding expectations. Financial planning should be clear, easy to understand, and fully transparent.

Discovery

Understanding your goals, challenges, and vision for the future.

Organization

Gathering, digitizing, and organizing financial information for clarity and accuracy.

Analysis

Assessing your current financial landscape to identify strengths, gaps, and 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 to keep your plan aligned with life changes.

Client Feedback

Trusted Guidance for Long-Term Financial Success

Every client has a different financial picture, but the need for clear advice, disciplined planning, and dependable support remains the same.

    
 
 
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   Laura nolan 
 
 
 
 Trustindex verifies that the original source of the review is Google. Our family has worked with this financial advisory firm for several years, and the experience has been outstanding. They take the time to truly understand our goals and explain everything clearly, without jargon. Their guidance has helped us feel confident about our investments and long-term plans. Highly recommend them for anyone looking for trustworthy, personalized financial advice.
  
 
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   Jennifer Obrien 
 
 
 
 Trustindex verifies that the original source of the review is Google. I've worked with my advisor for several years now and the difference in my financial confidence is night and today . They take the time to understand my long term goals explain strategies clearly and consistently follow through from investment management to financial plan and estate coordination kip has brought structure and clarity to every part of my financial picture. I've never felt rushed or sold to just genuinely advised. Highly Recommended
  
 
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   Frank Geivelis 
 
 
 
 Trustindex verifies that the original source of the review is Google. I used to feel scared tax season and wasn't sure whether my investments were even working for me. The advisor looked at everything found costs didn't know i was paying and cganged my portfolio so that it was based on long term goals instead of short term trends. What i liked best was how they kept teaching me as we went along. Clarifying each choice until it made sense. For the first time in years i feel like i have everything togather am sure of my self and am in charge
  
 
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   Leslie Gullikson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kip is highly qualified, knowledgeable and responsive. It's reassuring to wealth advisor I have confidence in.
  
 
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   Mark Wilson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very hands-on, knowledgeable and well-thought out investment (& retirement) planning.  The fees are fair, and lower than the others advisors I met during my vetting process.  I like that Kip Lytel, my advisor, is always very responsive and actively tracks economic data, earnings, stocks, bonds, valuations, politics and everything that might impact my portfolio.  Happy with results!
  
 
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   Paul Turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. An overall amazing advisory firm.
  
 
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   Josie Pugh 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding advisory experience.  Very patient, good returns overall and helps with my other asset decisions.
  
 
     Posted on Google  
   
   Daniel Elliot 
 
 
 
 Trustindex verifies that the original source of the review is Google. Truly excellent investment advisory services. Kipley and the team have an incredible depth of knowledge, and it shows not only in their performance, but in their frequent articles and newsletters, and their clear, understandable responses to questions. I've never been anything less than satisfied.
  
 
 
  
 
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

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We Would Love to Have You Visit Soon

Hours: M-F: 6:30am-6:00pm

Telephone: 1-805-965-7955

Email: contactus@mcapitalmgt.com

Our firm provides fiduciary services and financial oversight for individuals and families seeking coordination and continuity across financial, legal, and personal affairs.

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Serving Santa Barbara County & Ventura County

Address: 225 East Carrillo Street, Suite 203
Santa Barbara, CA 93101

Serving Los Angeles County & Orange County

Address: 522 South Sepulveda Boulevard, Suite 207
Los Angeles, CA 90049

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Start Planning Today

Secure Your Financial Future With Expert Fiduciary Guidance

Schedule a complimentary consultation to discuss wealth management, financial planning, retirement strategy, portfolio management, or business advisory needs.

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