Kaiyo Wealth LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Kaiyo Wealth LLC provides ongoing discretionary portfolio management and tailored financial planning for individuals, high‑net‑worth individuals, and charitable organizations. The firm offers customized investment programs and project or one‑time financial plans that address areas such as retirement, tax integration, and insurance in the context of each client's overall situation.
The firm’s investment approach is grounded in modern portfolio theory and long‑term trading, but it also uses margin and options strategies and may engage outside managers to implement specific allocations. Kaiyo typically operates with discretionary trading authority, documents risk tolerances and client restrictions, and conducts regular portfolio reviews and monitoring.
Kaiyo manages roughly $240 million in discretionary assets for about 86 clients with a two‑advisor team, a scale of assets per advisor that is atypical for firms of this size. The firm recently transitioned to SEC registration and generally requires custody with major custodians (primarily Schwab or Fidelity, with occasional use of Altruist), practices that distinguish it from many peers.
Client services
Expertise
Fee options
$0 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.80% $5,000,001 - $10,000,000: 0.60% $10,000,001 - $30,000,000: 0.50% $30,000,001+: 0.40%
Minimum fee: Financial planning minimum fee of $10,000 for a full comprehensive plan Fee-only: Fee-only compensation; no commissions received for securities sales
Main office
See office3511 Camino Del Rio S, Suite 204
San Diego CA 92108
Advisors at this office
2
Offices (2)
Most active in
Arizona · California · Idaho · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Matthew C
CFP®, Series 66
San Diego, CA
Kaiyo Wealth LLC
Matthew Cobas is a CFP® and holds a Series 66 license with 10 years of industry experience. He is currently with Kaiyo Wealth LLC, where he has worked since 2021, and previously held roles at Origin Investment Advisory LLC, Mariner Wealth Advisors, and Wells Fargo Advisors. Kaiyo Wealth LLC provides discretionary portfolio management and tailored financial planning for individuals, high-net-worth clients, and charitable organizations. The firm employs a modern portfolio theory-based investment approach, utilizing margin and options strategies and outside managers, and manages approximately $240 million in discretionary assets.
Jeremy K
CFP®, Series 66
San Diego, CA
Kaiyo Wealth LLC
Jeremy Kovacevich is a CFP® and holds a Series 66 license with 10 years of industry experience. He currently serves as an advisor at Kaiyo Wealth LLC, where he has worked since 2024, following a 12-year tenure at HoyleCohen, LLC. Kaiyo Wealth LLC serves individual and high-net-worth clients as well as charitable organizations, providing discretionary portfolio management and comprehensive financial planning. The firm employs a Modern Portfolio Theory-based investment approach with an emphasis on ESG funds and uses mutual funds, ETFs, margin, and options trading to implement tailored client strategies.
Kevin H
Series 63, Series 65
Couer D Alene, ID
Kaiyo Wealth LLC
Kevin Hoyle is a financial advisor at Kaiyo Wealth LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Focus Partners Wealth, LLC, HoyleCohen, LLC, and Global Life Capital, Inc. Outside of advising, he is a member and owner of RCI-Memphis, LLC. Kaiyo Wealth LLC provides discretionary portfolio management and customized financial planning for individuals, high-net-worth clients, and charitable organizations. The firm uses a modern portfolio theory-based approach combined with margin and options strategies, serving approximately 86 clients with around $240 million in discretionary assets under management.
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