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Investment Management Advisor in Santa Barbara

Estate and retirement planning designed for your peace and confidence

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    Retirees

    The Challenge: Facing retirement unprepared and with limited resources, preventing you from enjoying your life.

    The Laguna Alternative: Building a plan to provide peace and confidence to help you survive and thrive in retirement.

    Professionals

    The Challenge: Making your hard-earned income and savings count and avoiding the chance of facing a poorly designed future .

    The Laguna Alternative: Developing strategies to help you experience a future that you have worked hard to earn and enjoy.

    Families

    The Challenge: Your costs continue to increase, impacting your resources and budget while hurting your ability to save for the future.

    The Laguna Alternative: Creating a structure around your savings and investment to help bring peace and confidence to you and those you love.

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        About Laguna Capital Management, Inc

        Who are you?
        Laguna Capital Management, Inc. is an investment and financial planning firm, acting as a fiduciary, committed to developing long-term relationships with our clients. Fiduciaries work in their clients’ best interests and can only recommend financial strategies that fully benefit a specific client’s economic situation. Furthermore, fiduciaries are required to avoid and disclose any conflicts of interest to their clients. Fiduciaries have two main duties while managing money:

        • Duty of Care: Under this, fiduciaries are required to make informed business decisions by reviewing all of the available information about your financial life before making recommendations or plans.

        • Duty of Loyalty: This refers to the requirement that a fiduciary not use their position to further their interests, such as making financial product recommendations they may make a commission on.

        What aspects of my financial life can I expect you to assist with?
        From our perspective, all aspects of your financial life that you would like addressed matter to us and will be covered in the course of our meetings and discussions.
        Why should I work with a Certified Financial Planner™?
        A CERTIFIED FINANCIAL PLANNER™ professional (CFP® professional) can help coordinate your personal finances to meet your goals and objectives. CFP® professionals must pass the comprehensive CFP® Certification Examination, pass CFP® Board’s Fitness Standards for Candidates and Professionals Eligible for Reinstatement, agree to abide by CFP® Board’s Code of Ethics and Professional Responsibility and Rules of Conduct which put clients’ interests first and comply with the Financial Planning Practice Standards which spell out what clients should be able to reasonably expect from the financial planning engagement. Lastly, CFP® professionals have a fiduciary obligation to remain objective and to align recommendations to meet each client’s goals and objectives.
        Who holds my money if I invest with Laguna Capital Management, Inc.?
        Our primary custodian is Charles Schwab. Through our platform, you will have the benefits of institutional access to your investment accounts. Our partnership with Charles Schwab offers our clientele online access to view your account(s), regular statements (mailed or emailed), and institutional account reporting.
        Do you work with other professionals? If so, how?
        At Laguna Capital Management, Inc. we seek to maintain a network of trained and respected professionals who we can refer to for their subject matter expertise in associated areas such as tax planning and estate planning. These relationships are strictly professional and Laguna Capital Management, Inc. is not affiliated with these individuals nor compensated by any fee sharing arrangements.

        Frequently Asked Questions

        What Is Financial Planning?

        Financial planning involves identifying one’s financial goals, quantifying them while considering the effects of inflation, and creating an investment strategy to achieve these objectives. Furthermore, financial planning also helps you prepare for unforeseen hazards such as loss of employment, premature death, severe illnesses, etc. If you’re looking for a financial advisor in Santa Barbara, CA, Laguna Capital offers financial planning services.

        Why Should I Hire a Financial Advisor?

        In order to give you a plan to achieve your financial objectives, our Santa Barbara financial advisors will be able to connect the financial dots. To provide advice for your specific position, your financial advisor should be knowledgeable about many types of financial products and financial aspects of your life, including but not limited to taxes, bonds, equities, insurance, and estate planning. Getting your finances in check doesn’t have to be a complicated mission. Wealth management, tax planning, and investment management made easier if you work with a financial advisor.

        If you’re looking for an investment advisor in Santa Barbara, contact Laguna Capital Management today! Our financial advisors are more than happy to help.

        What Are the Basics of Investment Management?

        A bond or stock is an investment that you purchase in the hope that its value will rise over time. Although investing carries the potential for better returns than keeping your money in a bank account, there’s also a risk of losing money should a stock or bond decline in value. If you use our Santa Barbara investment management services, our financial advisors will try to mitigate risks as much as possible.

        What Services Does Financial Planning Include?

        A few of the services our Santa Barbara investment advisors can assist with include:

        1 – Tax planning strategy
        2 – Retirement planning
        3 – Estate planning
        4 – Investment management

        What Is Retirement Planning?

        Retirement planning can start at any age and consists of two main components: 1) putting money aside regularly in a tax-efficient manner and 2) making wise investment decisions to increase this money so that one can provide for one’s own retirement income stream.

        One way to plan for retirement is to work with a financial advisor who is knowledgeable in long-term investment strategies, tax law, annuity products, and other related topics.

        What Is Estate Planning?

        Estate planning is the process of being ready for the distribution of one’s assets to loved ones, charities, friends, etc. after death. Reducing taxes paid on the transfer of assets after death, creating an estate can be an important element of estate planning .

        Furthermore, estates are created to stipulate how a person’s funds should be used to take care of them as they get older. Starting estate planning from a young age can be an important financial decision.

        Why should I work with a Certified Financial Planner™?

        A CERTIFIED FINANCIAL PLANNER™ professional (CFP® professional) can help coordinate your personal finances to meet your goals and objectives. CFP® professionals must pass the comprehensive CFP® Certification Examination, pass CFP® Board’s Fitness Standards for Candidates and Professionals Eligible for Reinstatement, agree to abide by CFP® Board’s Code of Ethics and Professional Responsibility and Rules of Conduct which put clients’ interests first and comply with the Financial Planning Practice Standards which spell out what clients should be able to reasonably expect from the financial planning engagement. Lastly, CFP® professionals have a fiduciary obligation to remain objective and to align recommendations to meet each client’s goals and objectives.

        Why should I Hire Laguna Capital Management?

        Laguna Capital Management, Inc. is an investment and financial planning firm, acting as a fiduciary, committed to developing long-term relationships with our clients. Fiduciaries work in their clients’ best interests and can only recommend financial strategies that fully benefit a specific client’s economic situation. Furthermore, fiduciaries are required to avoid and disclose any conflicts of interest to their clients. Fiduciaries have two main duties while managing money:

        • Duty of Care: Under this, fiduciaries are required to make informed business decisions by reviewing all of the available information about your financial life before making recommendations or plans.

        • Duty of Loyalty: This refers to the requirement that a fiduciary not use their position to further their interests, such as making financial product recommendations they may make a commission on.

        Why Should I Diversify My Portfolio?

        You reduce your risk of having your portfolio impacted by a single negative event by diversifying your investments among a range of assets. Your portfolio will be spread across many asset classes and businesses, helping to protect your wealth and raising your risk-adjusted returns.