Independent Wealth Solutions

Independent Wealth Solutions is a wealth management firm in Encinitas, California. The firm serves high-net-worth individuals, small business owners, and families, with a focus on clients in North County San Diego, Cardiff, and Encinitas. Its services include financial planning for families and businesses, retirement planning, Social Security planning, education planning, investment management, estate planning, and small business owner specialization. Advisors also help clients organize and digitize trust documents and store them on a USB drive. The firm holds a 5.00 rating from the customers who have reviewed it.

Founded in 1988, Independent Wealth Solutions is a family-run financial services company that operates as a fiduciary. It has served San Diego County for more than 35 years, and its advisors base decisions on a strategic process formed through decades of experience. The firm reports that it is trusted by more than 300 individuals with their assets and manages approximately 80 million in assets. It describes itself as multigenerational and family-owned, with customized planning tailored to each client's needs and goals.

The firm's approach centers on personalized attention and a personalized plan for each client. Advisors work collaboratively with clients throughout the process, customizing programs that define risk tolerance and liquidity needs. Because clients' lives, dreams, and goals change over time, the firm builds plans that adapt and grow with them. It also uses a proprietary planning process and investment options that are not available to retail investors, and it specializes in tax-efficient retirement planning. The team includes Maxwell Wittenberg, president; Ricky Cimicata, account specialist; and Steve Wittenberg, consultant. The firm looks for three criteria in client relationships: that clients are friendly, that trust runs both ways, and that the fit is mutually good financially.

Independent Wealth Solutions is located at 763 2nd St STE 200, near South Coast Highway and 3rd Street, both about 0.1 miles away. The S.S. Encinitas and S.S. Moonlight attractions are also about 0.1 miles from the office, Pacific View Elementary School is about 0.2 miles away, and South Vulcan Avenue is about 0.2 miles away.

With more than three decades of fiduciary service in North County San Diego, Independent Wealth Solutions pairs a long local history with a family-run team that builds adaptable financial plans for Encinitas-area individuals, families, and business owners.