Consilium WLTH Management

Consilium Wealth Management is an independent, fee-based wealth management firm that provides comprehensive fiduciary-based financial planning and investment management services. With more than 50 years of combined financial experience, we are committed to providing value-added service to our clients. Our firm is based in Danville, CA, and we partner with a select group of high net worth families and individual clients in the Bay Area to deliver in-depth wealth management services as an independent fiduciary.

Our Philosophy

At Consilium, we believe that achieving financial independence requires the optimal alignment between your wealth, values, and goals. We provide every client with a customized financial plan and investment portfolio, as we strongly believe it is integral that your financial plan be aligned with your investment strategy. By having our clients undergo this comprehensive process, we strive to achieve the optimal alignment between their wealth, values, and goals. We recognize and embrace our obligation to serve our clients as a fiduciary, and we are committed to providing tailored investment and planning recommendations specific to our clients' unique financial situations without having to engage an outside third party.

Our Services

At Consilium, we offer investment management and financial planning services for our clients. We understand the intricacies of our rapidly evolving world and the challenges these changes present to our clients. Our mission is to design a holistic financial plan that puts our clients in the best position to achieve their individual financial goals and remain financially independent throughout retirement.

*Investment Management*

Our firm uses the asset allocation approach in managing our client's accounts. We believe implementing a portfolio strategy based on this is important to optimizing one's portfolio performance. It has been concluded from various studies that up to 90% of an investor's rate of return comes from having an appropriate asset allocation mix. We start by providing our clients with a customized allocation between equities, fixed income instruments, and alternative investments. Our objective is to manage risk and provide long-term capital appreciation while maintaining liquidity and preserving capital.

*Financial Planning*

The objective of financial planning is to ensure that one has sufficiently funded for different life goals while taking into account risk tolerance, time horizon, and current and future tax laws. Our financial planning process includes a thorough analysis of our clients' financial situation, including their income, expenses, assets, liabilities, and insurance coverage. From this information, we develop a disciplined investment strategy that takes into account short- and long-term goals and potential changes in future tax legislation. Each financial plan consists of a customized asset allocation strategy that is continuously monitored to determine if any modifications need to be made.

In addition, we provide our clients with access to financial calculators and useful websites to help them make informed financial decisions. We meet with each client personally on a quarterly basis to review both their investment portfolio and update their financial plan. We believe it is essential that our clients' financial plans are tailored to suit their individual needs, are properly executed, and reviewed regularly. We take great care in determining each of our clients' specific asset allocation strategies and providing financial planning recommendations as we strive to provide a superior level of personalized service and expertise on an ongoing basis.