Educated Solutions

Education Based Solutions, LLC (dba Malibu Wealth Planning) provides discretionary portfolio management and financial planning to individual and high‑net‑worth clients, preparing an Investment Policy Statement and tailoring allocations to each client’s goals and risk tolerance. The firm manages client accounts primarily through a single advisor and documents investment objectives and risk levels for ongoing portfolio monitoring.

The firm’s investment approach combines multiple analysis methods — charting, cyclical, fundamental, quantitative and technical — and employs long‑term and short‑term trading, margin transactions and options strategies where appropriate. Malibu Wealth Planning generally operates with discretionary trading authority, uses a sub‑adviser for most equity management, and delivers quarterly custodian statements and periodic reviews triggered by material events.

What distinguishes the firm from many solo independent advisers is its emphasis on education and referral relationships: the brochure notes participation in educational conferences and workshops (including those available through its custodian) and discloses that the firm earns referral compensation for arranging physical precious metals purchases. The brochure also discloses that the principal is a licensed insurance agent who may receive commissions and details prior, resolved non‑investment regulatory matters, all of which are presented as potential conflicts or background information for prospective clients.