Poway, CA Office

Golden State Wealth Management serves individuals (including high‑net‑worth clients), trusts, pension and profit‑sharing plans, and businesses, offering asset management, comprehensive portfolio management, financial planning and retirement plan consulting, as well as referrals to third‑party managers and participation in wrap and LPL‑sponsored advisory programs. The firm provides discretionary portfolio management as its primary advisory relationship and also offers standalone planning or consulting engagements billed on an hourly or flat‑fee basis.

Advisors construct tailored portfolios using asset allocation and a variety of analytic approaches (fundamental, technical and charting) and may deploy third‑party managers, model portfolios, or affiliate sub‑advisory models while monitoring accounts periodically. Fee arrangements are negotiable and are billed primarily as percentage‑of‑assets on a pro‑rata quarterly basis for investment management, with planning and some retirement consulting offered under hourly or flat fees.

Noteworthy aspects disclosed in the brochure are that certain representatives are licensed insurance agents who may recommend commissionable insurance products, and the firm has affiliations with several registered advisers (including a sub‑advisory agreement with an affiliate) that can create conflicts of interest which the firm discloses and manages. The firm also makes extensive use of the LPL platform — offering multiple LPL program options and acknowledging transition assistance and oversight fees — and does not present a single standard fixed‑dollar advisory subscription for managed assets, instead relying mainly on AUM‑based and negotiable billing structures.