Pacific Wealth Management

Wesley Salzman is a financial advisor at Pacific Wealth Management in San Diego, CA, holding a Series 65 credential with one year of industry experience. Prior to joining Pacific Wealth Management in 2026, he worked at Northrop Grumman Aeronautical Systems for three years and held positions at Cal Poly San Luis Obispo and Calvin Christian High School. Pacific Wealth Management serves individuals, trusts, estates, pension and profit-sharing plans, and other business entities, providing discretionary asset management, comprehensive financial planning, and 529 plan management. The firm employs an asset-allocation driven approach using mutual funds, ETFs, equities, fixed income, options strategies, and structured products, managing approximately $365 million on a discretionary basis through a team of seven advisors.

James Kuntz is a financial advisor with Pacific Wealth Management in San Diego, CA, holding Series 63 and Series 65 licenses and having 44 years of industry experience. He has worked at Pacific Wealth Management since 2000 and previously spent 12 years at Girard Securities, Inc. Pacific Wealth Management serves individuals, trusts, estates, pension and profit-sharing plans, and other business entities, offering discretionary asset management, comprehensive financial planning, 529 plan management, and consulting services. The firm’s investment approach focuses on asset allocation through a “Proactive Asset Management” strategy using mutual funds, ETFs, individual equities, fixed income, options, structured products, and periodic rebalancing.

Justin Kuntz is a CFP® and holds a Series 66 license, with 13 years of experience in the financial services industry. He has been with Pacific Wealth Management since 2013 and previously worked at Girard Securities, Inc. from 2013 to 2017. Pacific Wealth Management serves individuals, trusts, retirement plans, and business entities, managing approximately $318 million in assets across about 210 client relationships. The firm employs a client-specific, asset-allocation approach through its “Proactive Asset Management” framework, offering discretionary and non-discretionary asset management, financial planning, consulting, and 529 plan management.

Isaac Cardoza is a CFP® and Series 66-licensed advisor at Pacific Wealth Management with three years of industry experience. He previously worked at Commonwealth Financial Network and Honeycutt, Smith & Associates. Pacific Wealth Management serves individuals, trusts, retirement plans, and business entities, offering discretionary and non-discretionary asset management, financial planning, and consulting. The firm employs a client-specific, asset-allocation approach within its “Proactive Asset Management” framework and manages approximately $318 million in assets across about 210 client relationships.

Marjorie Smith is a CFP® with nine years of industry experience and has been with Pacific Wealth Management since 2021. Prior to joining Pacific Wealth Management, she worked at Ford & Smith Consulting, Inc for nine years. In addition to her advisory role, she is an independent contractor for Sage Settlement Consulting, where she works with personal injury claimants and their attorneys to design and implement structured settlement plans. Pacific Wealth Management serves individuals, trusts, estates, pension and profit-sharing plans, and other business entities, offering discretionary asset management, comprehensive financial planning, and consulting. The firm employs a “Proactive Asset Management” approach that includes a diverse range of investment vehicles and rebalancing strategies, managing approximately $365 million in discretionary assets through a seven-advisor team.

John Mayer is a CFP® and holds a Series 65 license with eight years of industry experience. He has worked at Pacific Wealth Management since 2018 and was previously employed at Pruco Securities, LLC and operated Mayer Reprographics from 2015 to 2017. Pacific Wealth Management is a seven-advisor team that serves individuals, trusts, estates, pension and profit-sharing plans, and business entities, managing approximately $372 million in client assets. The firm uses an asset-allocation driven approach that includes mutual funds, ETFs, individual equities, fixed income, options strategies, and structured products with regular portfolio rebalancing.

Maryam Anaya is a financial advisor at Pacific Wealth Management with one year of industry experience. She holds a Series 65 license and previously worked at LPL Financial, Credit Suisse, Peloton Capital, VIVE Active, and The University of Sydney. Pacific Wealth Management serves individuals, trusts, estates, pension and profit-sharing plans, and other business entities with discretionary asset management, comprehensive financial planning, and other consulting services. The firm uses an asset-allocation driven approach featuring mutual funds, ETFs, equities, fixed income, options strategies, and structured products, managing approximately $365 million on a discretionary basis through a seven-advisor team.

Michael Lim is a financial advisor with Pacific Wealth Management in San Diego, CA. He holds Series 63 and Series 65 licenses and has 32 years of industry experience. He has worked at Girard Securities, Inc. for 12 years and has been with Pacific Wealth Management since 1998. Pacific Wealth Management serves individuals, trusts, estates, pension and profit-sharing plans, and other business entities with discretionary asset management, comprehensive financial planning, and consulting services. The firm’s investment approach is asset-allocation driven, utilizing a range of investment vehicles and periodic rebalancing.