San Diego, CA Office

Altura Wealth Advisors Inc. provides portfolio management through separately managed accounts and financial planning to individuals, high‑net‑worth clients, trusts, and defined‑contribution plans, managing roughly $250 million for about 448 clients with a team of four advisors. The firm typically manages accounts on a discretionary basis, constructs tailored asset allocations using ETFs and mutual funds, and states it does not impose an account minimum.

Altura describes a long‑term, primarily passive investment approach built around ETFs and mutual funds, periodic portfolio reviews, and rebalancing with consideration of tax and liquidity needs. In addition to traditional SMA management, the firm discloses that it may recommend leverage strategies (for example, investing cash‑out mortgage proceeds) and may recommend fixed annuities and other insurance products in connection with financial plans.

Compared with many peers, Altura operates an affiliated insurance agency and works with third‑party settlement planners to offer structured‑settlement annuities, and these insurance and settlement transactions generate commissions and incentive compensation that are separate from advisory fees and disclosed as conflicts of interest. The firm also discloses affiliated real‑estate loan origination and referral arrangements and related affiliated entities with planned fund management activities, and it highlights succession/key‑person considerations and formal conflict‑disclosure procedures for clients.