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The CWA Private Client Process

The PRIVATE CLIENT PROCESS will focus on your Financial House and deliver on the increased demand for diverse planning needs. We prioritize and focus on the 4 Pillars of Financial Wealth:

  1. Investments
  2. Risk Management
  3. Estate Planning
  4. Family Office/Vault

The Four Pillars of The Private Client Process

We work as your Financial Director along with our Strategic Planners and Relationship Managers to discuss each pillar and the potential vulnerabilities to find and capitalize on fixing the problems specific to you.

We value each exclusive relationship we accept into our Private Client Process and provide the upmost integrity and commitment to you. We pledge to deliver excellent service to our Private Clients.


  • Lifestyle Driven Investments (Safe, Predictable or Guaranteed Income)
  • Hybrid Investments
  • Non-Lifestyle Investments
  • Variable Annuities
  • Fixed Indexed Annuities
  • Mutual Funds
  • Managed Option Analysis
  • Current Allocation Analysis
  • Real Estate Investment Trusts (REITs)
  • Business Development Companies (BDCs)
  • Master Limited Partnerships (MLPs)
  • Structured Notes/ CDs
  • Municipal Bonds
  • Corporate Bonds
  • 529 Plans, UTMA’s
  • 401(k) Allocation Reviews

Risk Management

  • Visions and Values Conversation to identify and Quantify Personal Risks
  • Life insurance Needs Analysis Including In-House Design and Implementation
    • Term life
    • Universal life
    • Variable universal life
    • Fixed indexed universal.
    • Whole life
    • Survivorship
    • Business Policies
    • Key man Policies
    • Buy-Sell Policies.
    • Executive bonus plans
  • The Social Security Risk Score to quantify your danger of receiving less Social Security
  • Long-Term Care Insurance Needs Analysis Including In-House Design and Implementation
    • Traditional Long-term Care Insurance
    • Hybrid Life/Long-term Care Insurance
    • Life Insurance with LTC or Annuity with LTC Benefit
  • Property and Casualty Insurance Review Analysis
  • Asset Titling Review and Analysis
  • Asset Protection Planning and Design
  • Disability Insurance Needs Analysis Including In-House Design and Implementation
    • Personal
    • Business overhead/Key man
  • Complimentary review and recommendations for:
    • Homeowner Insurance
    • Property Insurance
    • Umbrella Insurance
    • Auto Insurance
    • Business Owner Insurance
    • Health Insurance
    • Flood, Wind, Fire, Earthquakes

Estate Planning

  • Extended Life Insurance Health Check Up
  • Estate Tax Reduction Strategy
  • Comprehensive Review of Current Estate Plan
  • Estate Design Meeting
    • Wills
    • Revocable Trusts
    • Irrevocable Life Insurance Trusts
    • Family Limited Partnership
    • Grantor Retained Annuity Trusts
    • Grantor Retained Unitrusts
    • Charitable Remainder Trusts
  • Entity Design
    • LLCs
    • C Corporations
    • S Corporations
    • Partnerships
    • Limited Partnerships
    • Limited Liability Partnerships
  • Business Succession Planning
  • Buy-Sell Agreements
  • Liaison Between Attorney and Client
  • Review of New Estate Plan Drafts
  • Titling and Beneficiary Review

Family Office/Vault

  • Consistent Coordination and Collaboration with Clients’:
  • Tax Professionals
  • Real Estate Agents/ Mortgage Lenders
  • Personal Bankers
  • Risk Management Specialists
  • Attorneys
  • Trust Officers
  • Travel Professionals
  • Access to the California Wealth Advisors private client vault which offers account/data aggregation, customized reporting, storage capabilities for important documents (i.e., deeds, passports, insurance policies, tax returns, estate planning documents, birth certificates, etc.), access to complex financial calculators and projections in addition to many other specialized features.
  • Ongoing financial education is provided not only to clients but also to their children and grandchildren. Clients’ children and grandchildren also have access to California Wealth Advisors team resources as necessary.
  • Facilitation of family meetings.
  • Ongoing/periodic review of estate plans and coordination with attorneys when amendments/enhancements are necessary.
  • Assistance with business/succession planning.
  • Assistance with the implementation of charitable and/or philanthropic endeavors and coordination with attorneys, tax advisors, and charities as needed. Timely educational events or opportunities for enhancing one’s overall financial aptitude) i.e., seminars, events, Zooms, etc.).
  • Education and assistance about navigating Social Security and Medicare

Meet Our Team

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