Business Details
Your Trusted Partner for Comprehensive Retirement Planning in San Diego
Reyes Financial Architecture was founded on a deeply personal mission to protect clients from the devastating financial consequences of unprepared retirement. With over 25 years of specialized experience in retirement planning, we combine fiduciary responsibility with a unique philosophy prioritizing asset protection before growth. Our team of certified professionals employs a collaborative approach, integrating tax strategies, estate planning, and risk-managed investment solutions to create guaranteed lifetime income streams.We maintain rigorous compliance standards as an SEC-registered investment advisory firm while delivering personalized service through our San Diego headquarters. Our proven methodology addresses modern retirement challenges including market volatility, inflation, and longevity risks through customized written plans and innovative cash flow strategies.
Services
Retirement Planning
Wealth Management
Tax Planning
Estate Planning
Social Security Strategies
Highlights and features
- We offer 25+ years of specialized retirement planning expertise
- Our team holds fiduciary responsibility to prioritize client interests
- We create customized written retirement income plans
- Our risk-managed investment strategies protect against market volatility
- We integrate tax, estate, and income planning for holistic solutions
Associations and certifications
- SEC Registered Investment Advisory Firm
Services
Retirement Planning
Our comprehensive retirement planning service creates customized written income plans that address market volatility, tax efficiency, and longevity risks. We analyze portfolio risk, fee structures, and income projections to develop sustainable cash flow strategies. Our approach integrates Social Security optimization, estate preservation, and guaranteed income streams to ensure financial security throughout retirement.
Wealth Management
Our wealth management solutions focus on principal protection and risk-managed investment strategies. We combine institutional portfolio management with cash flow planning to create diversified income sources. Our approach emphasizes tax-efficient withdrawals, volatility reduction, and non-correlated asset allocation to preserve and grow client capital through market cycles.
Tax Planning
Our tax planning service integrates with retirement income strategies to minimize tax liabilities throughout retirement. We specialize in Roth conversions, tax-free income vehicles, and coordinated planning with CPAs. Our approach considers tax implications across investment accounts, Social Security benefits, and estate transfers to maximize after-tax income.
Estate Planning
Our estate planning service protects client assets and ensures legacy preservation through coordinated trust structures. We work with attorneys to implement living trusts, IRA trusts, and charitable remainder trusts. Our strategies focus on minimizing estate taxes, avoiding probate, and creating seamless wealth transfer while maintaining income security during retirement.
Social Security Strategies
Our Social Security optimization service maximizes lifetime benefits through strategic claiming decisions. We analyze spousal benefits, delayed retirement credits, and tax implications to create coordinated income plans. Our approach integrates Social Security with pension options and retirement account withdrawals to ensure sustainable cash flow throughout retirement.
People
David Reyes
Founder, Chief Financial Architect
David Reyes founded Reyes Financial Architecture after witnessing his grandfather's financial struggles with dementia. With over 25 years in retirement planning, he developed a fiduciary approach focusing on asset protection and guaranteed income streams. His expertise in cash flow strategies and risk management shapes the firm's philosophy of creating worry-free retirements through comprehensive written plans.
Julie Reyes
Chief Financial Officer, Chief Compliance Officer
Julie Reyes oversees financial operations and compliance at Reyes Financial Architecture. With extensive experience in regulatory compliance and financial management, she ensures the firm maintains its fiduciary standards and SEC registration requirements. Her leadership ensures transparent operations and client-focused service delivery while maintaining strict adherence to industry regulations and internal financial controls.
Erika Lopez
Tax & Financial Planning Associate
Erika Lopez specializes in tax-efficient retirement strategies at Reyes Financial Architecture. She works closely with clients to optimize tax outcomes through coordinated planning with CPAs. Her expertise includes Roth conversions, tax-free income vehicles, and integrated tax analysis within comprehensive retirement plans, ensuring maximum after-tax income throughout clients' retirement years.
Deborah Spencer
Head Trader & Operations Manager
Deborah Spencer leads investment operations and trading activities at Reyes Financial Architecture. With deep expertise in portfolio management, she implements risk-managed strategies that protect client assets while generating sustainable income. Her leadership ensures efficient execution of investment strategies while maintaining operational excellence across the firm's wealth management services.
Violet Proulx
Senior Executive Assistant & Office Manager
Violet Proulx manages office operations and executive support at Reyes Financial Architecture. She ensures smooth day-to-day operations while maintaining client service standards. Her organizational expertise contributes to the firm's efficient delivery of financial planning services, supporting the team's ability to focus on delivering comprehensive retirement solutions to clients.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including income distribution strategies, risk-managed wealth management, Social Security optimization, tax planning, and estate preservation solutions tailored to individual needs.
Are you a fiduciary financial advisor?
Yes, as an SEC-registered investment advisory firm, we maintain strict fiduciary standards, always placing client interests above our own with transparent fee-based services and full disclosure of any conflicts.
How do you create guaranteed lifetime income?
We use annuity strategies and diversified income sources to create guaranteed lifetime income streams that work alongside portfolio management to ensure clients never outlive their assets.
What makes your approach different?
Our unique approach prioritizes asset protection first, using written retirement plans that integrate tax efficiency, risk management, and cash flow strategies for comprehensive financial security.
How do you handle market volatility?
We employ principal protection strategies and non-correlated assets to reduce portfolio volatility while maintaining growth potential through our risk-managed investment approach.
Can you help with Social Security planning?
Yes, we specialize in optimizing Social Security benefits through strategic claiming decisions that consider spousal benefits, delayed retirement credits, and tax implications in overall retirement income plans.
Videos
