You’ve built more than wealth—you’ve built a future.
Let’s secure it.
Are you exposed to unnecessary risk or tax liabilities?
Is your wealth structured in a way that supports your family, business, and legacy?
Do you have the right team around you for what’s ahead?
From managing risk to planning your legacy, our seasoned team brings decades of experience and trusted advice to every decision.
Resource
The Cost of Care
Long-term care is one of the biggest blind spots in retirement planning, and when it's suddenly needed, it often falls on your adult children to figure it out, fast.
Our guide breaks down what care really costs and how to plan for it.
Expert Strategy for Complex Finances, Simplified
We’re here to support you with:
Wealth & Investment Management
We build and manage a diversified investment portfolio tailored to your goals, actively adjusting as markets shift and your needs evolve.
Tax-Efficient Retirement Planning
We integrate advanced tax strategies into your retirement plan, optimizing account structure, timing, and withdrawals to minimize tax liabilities and preserve your wealth over time.
Estate Planning
We work alongside legal and tax professionals to help you create or update your estate plan and ensure your assets are distributed according to your wishes.
Insurance Planning
We review your current life insurance and long- term care coverage to identify gaps, reduce inefficiencies, and align your protection with your overall financial plan.
Who We Help
As fiduciaries, we put best interests first, in every recommendation, every time.
With 1on1 Financial, you get clear guidance, proactive updates, and the insights you need to make confident financial decisions.
Business Owners
Running a business means your finances never clock out.
We help business owners create tax-efficient retirement strategies, protect assets, and build long- term wealth beyond the company balance sheet.
Executives + Professionals
You’ve worked hard to build your success, now it’s time to make it work for you.
See how your wealth strategy should evolve with your career and lifestyle.
Families
Family finances deserve a plan as personal as the people it protects.
From college savings to insurance and estate planning, we help families create clear, confident paths toward long-term security.
Retirees
Your next chapter should be about living, not worrying.
We help retirees design steady, tax-efficient income plans so you can enjoy the lifestyle you’ve worked for.
You’re only 3 steps away from financial prosperity
Let’s build a plan that protects what you’ve earned and supports the people you care about most.
Step One: Fact Finding
We begin by conducting an in-depth exploration of your financial and personal circumstances.
Step Two: Roadmap
Working closely with your tax and legal professionals, our team crafts a detailed financial roadmap with informed recommendations aligned with your goals.
Step Three: Execution
With your approval, we implement each strategy with precision, ensuring every move supports your objectives.
Financial Education & Insights
Online Courses
Learn at your own pace
Books
Knowledge you can take anywhere
Podcasts
Listen on the go
FAQs
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How is 1on1 Financial compensated? Are there hidden fees?
We believe in straightforward, transparent pricing. Before we begin working together, we walk through exactly how we're compensated so there are no surprises. As fiduciaries, we're required to act in your best interest, and that includes being upfront about cost.
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Is there a minimum asset level to work with 1on1 Financial?
We work with a range of clients, from business owners and executives to families and retirees, and we're happy to have a conversation to see if we're a good fit for your situation, regardless of where you are in building your wealth.
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Do you offer virtual meetings or work with out-of-state clients?
Yes. Alongside our corporate office in Upland, CA, we have a satellite office in McKinney, TX, and we regularly meet with clients virtually. Our advisors are licensed to work with clients across a number of states, so distance isn't a barrier to working together. Reach out and we can confirm we're able to serve you in your state.
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What makes 1on1 Financial different from other advisors?
We take an integrated approach rather than looking at pieces of your finances in isolation. Investment management, tax-efficient retirement planning, estate planning, and insurance planning are coordinated into one strategy, so every decision supports the full picture. We also bring specific experience with business owners, blended families, and other complex wealth situations that not every firm is set up to handle, and we think in terms of generations, helping you prepare your heirs and structure your estate for a smooth transition.
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Do you offer tax or estate planning advice, or coordinate with outside professionals?
Yes. We work directly alongside your tax and legal professionals to build and maintain your estate plan and to make sure your tax strategy and investment strategy are working together, not in separate silos. If you don't already have a CPA or estate attorney, we can help you find the right fit.
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Can you help with business succession or planning for a liquidity event?
Yes. We work with business owners to plan for what comes next, whether that's a sale, a transition to the next generation, or another kind of liquidity event. That includes building tax-efficient strategies around the transaction and making sure the proceeds are structured to support your long-term goals, not just your business's.
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Do you offer second opinions on existing portfolios or financial plans?
Yes. If you already have a portfolio or financial plan in place, we're glad to take a look and give you an honest, no-obligation read on whether it still fits your goals, risk tolerance, and tax situation. Sometimes that confirms you're on the right track; sometimes it surfaces gaps worth addressing.
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How do you build and manage investment portfolios?
We start by getting a clear picture of your goals, timeline, and risk tolerance, then build a diversified portfolio designed around that, whether your priority is growth, income, or preserving what you've built.
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What’s your approach to minimizing taxes on my investments and retirement income?
We look at tax efficiency across your entire financial picture, not just at tax time. That includes evaluating how your IRAs, 401(k)s, Roth accounts, and other structures work together, and thinking carefully about account type, timing, and withdrawal strategy as you move into retirement. The goal is to help you keep more of what you've earned over the long run.
