25+ years helping Californians retire thoughtfully.
NMLS #1525691. Over 25 years serving North San Diego County homeowners. Specializes in retirement income planning and home equity strategies for Californians 55+. Based in Carlsbad, CA.
"Take Jim and Linda (real clients, names changed). Both 62, paid-off home in Encinitas, $1.2M in retirement accounts. Their advisor said 'work until 70.' Family said 'sell and move to Arizona.' Neither felt right. In one conversation, we mapped how their home equity could bridge the gap—staying put, retiring now, $8K/month extra income. They called it 'the third door.'"
"Advisors mean well but often work within narrow scopes. I connect the full picture—home equity, savings, Social Security, California costs."
"I don't begin with solutions in mind."
"I start with your retirement goals, then show which tools might fit."
"Whether that's spending adjustments, asset restructuring, or using home equity strategically."
David spends weekends golfing Carlsbad courses and beach time with his large extended family. A lifelong Californian, he's built deep roots in North County and takes pride in the close connections he's maintained through decades of work.