Encinitas, CA Office

Koa Wealth Management provides financial planning, investment management, and retirement-plan consulting to individuals, high-net-worth clients, trusts, estates, charities and business entities. The firm accepts both discretionary and non‑discretionary mandates and also advises on held‑away products such as variable annuities and employer retirement plan assets.

The firm combines fundamental and technical analysis to construct portfolios primarily using mutual funds, ETFs and individual securities, tailoring allocations to clients’ risk tolerance, time horizon and liquidity needs and conducting at least quarterly account reviews. For eligible clients it may recommend private placements and other alternative investments, may in limited cases recommend the use of margin, and acts as a fiduciary when providing rollover and retirement-plan advice consistent with applicable DOL guidance.

Noteworthy features relative to many peers include managing roughly $255 million with a two‑advisor team while offering access to privately placed securities and advisory exposure to digital‑asset investment vehicles (the firm does not invest directly in digital coins/tokens). The brochure also discloses ERISA-related plan consulting (including services described under Section 3(21)(A)(ii)), the firm’s acceptance of standing letters of authorization that affect custody reporting, and affiliations in which certain supervised persons sell insurance for commission or solicitors receive referral fees, all of which are disclosed as potential conflicts of interest.