The questions we hear most, answered plainly.

A fiduciary financial advisor is legally and ethically required to act in your best interest at all times. That is the highest standard of care in financial services. Most advisors follow a lower “suitability” standard, which only requires a recommendation to be appropriate. Applied Wealth Management is a fee-based fiduciary Registered Investment Adviser (RIA) regulated by the SEC, with no commissions on investment management and no proprietary products.

Three differences. First, we are independent: no proprietary products, no captive insurance carriers, no broker-dealer affiliations, no quotas. Second, our only revenue from investment management is the fee you pay us, so our incentive points at your result. Third, rather than managing a portfolio in isolation, we use The Vantage Formula to coordinate every dimension of your financial life: investments, taxes, insurance, and estate.

Applied Wealth Management is fee-based. For investment management and planning, you pay a transparent, agreed-upon fee, with no commissions and no proprietary products on the investment side, so our only incentive is your result. Where we coordinate insurance, we act as a carrier-independent broker and may earn a commission from the carrier; we disclose that plainly and recommend coverage only where it closes a real gap. Every cost is laid out in plain English before you decide anything.

Families, business owners, professionals, and athletes facing genuine complexity. Our typical clients are approaching or in retirement, planning a business succession or sale, managing significant equity compensation, or navigating a short earning window against a long financial timeline. Headquartered in Bakersfield, California, we serve clients nationwide.

A robo-advisor can manage a simple portfolio cheaply and works well for straightforward situations. A human fiduciary earns its place when your financial life has moving parts that must be integrated: retirement assets across accounts, business ownership, multi-state tax exposure, estate planning, and the real decisions you face as life unfolds. A robo-advisor manages your portfolio in isolation; we coordinate it with everything else.

Retirement income planning turns your savings into a paycheck that lasts. It coordinates Social Security timing, pension elections, required minimum distributions, Roth conversions, and portfolio withdrawals into one tax-efficient plan, then stress-tests that plan against long retirements, poor market timing, and rising healthcare costs. The goal is reliable income you cannot outlive, not a single rate of return.

It means building diversified portfolios around the sources of return that decades of academic research have identified, rather than picking stocks or chasing last year’s winners. We focus on what you keep after taxes, fees, and behavioral mistakes, using tax-loss harvesting, asset location, and disciplined rebalancing, all coordinated with your tax and estate plan. On investment management we take no commissions and use no proprietary products.

We start from your plan, not a product. As a carrier-independent broker we can access every major life, disability, long-term care, and annuity provider, and we recommend coverage only where it closes a real gap in your protection. If the coverage you already have does the job, we will tell you. Where we do place insurance, we disclose plainly that we may earn a commission from the carrier.

Tax preparation records decisions you already made. Proactive tax planning shapes them before the year closes. We coordinate strategies across the whole year, including Roth conversions, tax-loss harvesting, charitable giving, and entity structuring, and we work alongside your CPA so the return simply reflects a plan that was already optimized. Done well, tax planning is the single largest lever in most financial lives.

Estate planning makes sure your assets go where you intend, with as little lost to taxes and probate as legally possible, and it is not only for the wealthy. It covers beneficiary alignment, account titling, wills and trusts, and coordination with your attorney, so the plan in your documents matches the plan in your accounts. We handle the financial side and work with your estate attorney on the legal documents.

Ask three questions. First: are you compensated solely by fees from clients, or do you also receive commissions or third-party payments? Second: will you sign a written fiduciary oath stating you will act in my best interest at all times? Third: do you receive any compensation for recommending specific products, including dinners, retreats, or sponsored trips? A true fiduciary answers all three transparently. If an advisor deflects, equivocates, or refuses to sign, that is your answer.

Fiduciary advisors in California typically charge between 0.50% and 1.25% of assets under management annually, depending on portfolio size and service complexity. Some also offer flat-fee or hourly arrangements for planning-only work. Be careful with advisors compensated mainly through product commissions, where the true cost is often buried inside the product itself. Applied Wealth Management is fee-based: you pay a transparent, agreed-upon fee for planning and investment management, and every cost is disclosed in writing before any engagement begins.

Applied Wealth Management is headquartered in Bakersfield, California, with team presence in Atlanta, Las Vegas, Los Angeles, and Oakland. We serve clients nationwide through secure video conferencing and in-person meetings. Typical clients include families approaching or in retirement, business owners planning a succession or sale, professionals with significant equity compensation, and athletes and entertainers managing concentrated income windows.

Client assets are custodied at Altruist and Charles Schwab, two independent custodians. Your accounts are held in your own name at the custodian, and you can see them directly at any time. Applied Wealth Management never takes possession of your money; our authority is limited to managing the accounts under the agreement you sign.

Wealth management is a theory: a plan, a portfolio, a set of documents. Applied wealth management is what happens when someone connects all of it to your actual life as it unfolds. When something changes, one call reaches a person who already knows your full picture and coordinates taxes, investments, insurance, and estate into a single recommendation. That is also why our process is called The Vantage Formula: it takes an elevated view that sees everything at once.