San Juan Capistrano, CA Office

Earned Wealth Advisors serves individual and institutional clients with an emphasis on physicians, dentists, and their practice employees, offering comprehensive financial planning, discretionary wealth management, and retirement plan consulting. The firm also advises on alternative investments and provides related services such as tax-aware investment consulting and asset transition planning through written advisory agreements.

The firm primarily implements client portfolios by allocating assets to independent investment managers and model portfolios, using a third‑party investment consultant (Wealthspire) and tools such as Monte Carlo analysis, automated tax‑loss harvesting, and asset‑location techniques. Earned Wealth Advisors monitors accounts on an ongoing basis and may access long/short strategies and private/alternative vehicles through third‑party managers when appropriate for a client’s objectives and accreditation status.

What distinguishes Earned Wealth Advisors from many multi‑team peers is its integration with a family of affiliated businesses — including PensionOne Advisors for retirement plan design and third‑party administration, several accounting and payroll affiliates, insurance agencies, and a publishing arm (Guardian Publishing). The firm also delegates marketing and client acquisition to paid promoters/solicitors (with required disclosures), produces client educational content and events supported by third‑party sponsors, and maintains legacy relationships (e.g., the recent acquisition of OJM Group and ongoing connections with Thomas Doll, CPAs partners) that result in some clients receiving different service patterns during integration.