Vector Financial Solutions

San Diego Wealth & Investment Management

David Wilson

Services

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Wealth Management
  • Fee-Based Money Management
  • ETFs (Exchange Traded Funds)
  • Mutual Funds
  • Closed- End Funds
  • Stocks & Bonds
  • Fixed & Variable Annuities
  • Municipal Bonds
  • Portfolio Analysis
Retirement Planning
  • 401(k)
  • Profit Sharing
  • SEP, Simple IRA
  • Self-Directed IRA’s
  • Lump Sum Retirement Distributions
  • Retirement Income Analysis
Estate Planning*
  • Evaluating Your Need for a Trust
  • Life Insurance

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*Fixed insurance products and estate planning services may be provided by a third party. Please consult with your representative to confirm on which company’s behalf services are being provided. Sagepoint Financial does not offer tax, legal or estate advice.

Who We Serve

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Retirees

We work with retirees to help them preserve assets and generate income. Retirees have spent a lifetime accumulating assets. We help ensure their money is working efficiently and without undue risk.

Business Owners

We establish and maintain retirement plans in conjunction with outside plan administrators and experts. When acting as a fiduciary we provide plan governance and communicate ERISA requirements.

Technology and Construction Executives

Executives at Technology companies who may own stock options, restricted stock, deferred compensation and company retirement plans may need guidance and direction with their investments.

Divorcees

Couples often delegate responsibilities and the newly divorced may find that they’re now responsible for financial matters they’ve never had to deal with in the past. We provide guidance and help dividing assets and retirement accounts.

Inheritance

Trustees and executors of estates and those who inherit funds may now find that they’re newly entrusted with taking care of investments in a responsible way. We help develop a plan for your inheritance and can help with distributions to heirs as necessary.

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*Fixed insurance products and estate planning services may be provided by a third party. Please consult with your representative to confirm on which company’s behalf services are being provided. Sagepoint Financial does not offer tax, legal or estate advice.

Contact

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We’d love to hear from you.

Almost everyone has questions about how best to manage their finances, but many people hesitate to contact a financial planner, in fear that it will cost them money.

Send us a message with your questions using the form below and get a FREE 30 minute consultation session. No obligation and no sales pitch. Just straightforward advice to help set you on a path of financial success.

About

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Vector Financial Solutions

Our mission at Vector is to help business owners and executives, retirees, divorcees and people managing inheritances make smarter financial decisions by finding the right investment and insurance solutions for their unique situations. Every strategy we recommend is well researched and objective. We bring extensive experience as well some of the finest industry tools and technology available to the task of guiding clients and friends to improved financial outcomes.

David Wilson

David Wilson is a certified financial planner™ based in the Escondido area of San Diego, CA. Dave is the senior financial planner and investment advisor at Vector Financial Solutions Inc. and has over 28 years of experience providing financial guidance to clients. As a CFP® (Certified Financial Planner) and AIFA® (Accredited Investment Fiduciary Analyst) Dave strives to uphold the highest standards for investment advisors; with an obligation to put his clients’ financial interests first. He values integrity and transparency and has built his practice around these tenets.

Dave graduated from UCLA with a degree in Business Economics, attended USC Music School, and has studied law at the California School of Law. He has worked in Escondido and North San Diego County for more than 25 years providing practical, pragmatic, financial solutions to investors both locally and throughout the country.

When Dave isn’t in the office, he enjoys sailing, skiing and spending time with his wife Jennifer and three beautiful daughters.

My Story

As a kid, I learned that money and finances were very private. Much like politics and religion, they were things you didn’t talk about. Always a curious kid, it was probably that silence that led to my early interest in finances.

My financial education began at age 13 when I got my first job mowing lawns, doing grove work, and digging irrigation. Later, I moved furniture, drove trucks, drove a cab and even taught teenagers to drive (yikes!). Much of the work in my early years was hard, but it was satisfying to have just a taste of financial freedom.

In college, I was fascinated equally by music and economics. I graduated with a degree in economics, but pursued music as well. Soon after graduation, I was offered a scholarship to continue my education in music school. There, the principles of supply and demand really kicked in. I realized opportunities as a musician were scarce and the supply of good players was strong. I loved music, but that would not be my career.

After leaving music school, I worked at UCLA’s credit union. There, I was introduced to banking, lending and customer service and began taking night courses in a little known field called financial planning. I progressed from life insurance to commodities, and finally into the securities field where I earned my designation as a certified financial planner™.

It wasn’t long after I started in financial planning that I came to realize working in a large financial firm wasn’t for me. I saw lots of big companies pushing mediocre products on consumers. These companies made recommendations based on their best interests, not the client’s. I decided then to work as an independent advisor and have worked that way for the past 28 years.

Working Together

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Our Process

Investing can seem complicated.  The public is bombarded with mixed messages and conflicting information.  Our goal is to sift through the investment choices you have to develop a plan that works for you.

We identify your goals.
  • Are you accumulating funds for retirement?
  • Are you retired and seeking monthly income?
  • Are you divorcing and seeking guidance with the division of assets?
  • Are you a business owner needing guidance with a retirement plan?
  • Are you an executive needing guidance with corporate benefits?
  • Have you recently sold a business?
We talk about your comfort level with risk.
  • Are you a market watcher, or are you less concerned with such matters?
  • Are you an experienced investor or new to investing?
 We prepare an investment plan for your unique situation.

We prepare an investment plan based on our discussions and sort through the maze of investments narrowing them by strict criteria, including:

  • Track record
  • Stability of the organization
  • Expense ratios and fees
  • Performance relative to assumed risk and peer group
We implement your plan.

We establish your account with the following considerations:

  • Is a a fee-based account or traditional brokerage account more appropriate after reviewing of costs and expenses?
  • Is the registration consistent with avoiding probate if possible?
  • Do you have a trust?
  • If an IRA is your beneficiary designation complete and does it provide the most flexibility and tax advantages to your heirs?
  • Would you like online access your account?
 We monitor progress and keep you informed.

We recommend changes when an investment fails to meet its objectives or certain criteria.

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