San Diego, CA logo

San Diego, CA Office

Team
Updated today
Reyes Financial Architecture Inc. logo

Reyes Financial Architecture Inc.

Team

Firm-wide stats for Reyes Financial Architecture Inc.

Total advisors

5

Across 2 offices

Clients per advisor

34 Low

Avg AUM per client

$1,154,016 Typical

HNW client ratio

69% Very High

About

The firm provides discretionary asset management, personalized financial planning, and consulting to individuals, trusts, estates and small businesses, with a stated focus on high-net-worth clients. Like most team firms, Reyes Financial charges percentage-of-assets fees and manages individual portfolios as a central service offering.

The firm says it favors a long-term investment approach and documents objectives in an Investment Policy Statement or Risk Tolerance, using fundamental, technical and cyclical analysis to build and monitor portfolios. Financial planning is provided as a complimentary component of its asset-management service, and the firm may allocate client assets to unaffiliated sub-advisers when it determines that is in the client’s interest, while paying sub-adviser fees itself rather than billing clients separately.

Notable distinctions include a typical account minimum of $1,000,000 (negotiable), signaling a concentration of higher-net-worth households, and that firm representatives are licensed insurance agents and the firm operates as an insurance agency, which creates potential commission-related conflicts the brochure discloses. The firm also notes a real-estate brokerage registration and an inactive CPA credential among its principals, does not vote client proxies (clients retain that responsibility), and is registered with the SEC.

Based on Reyes Financial Architecture Inc.

Expertise

General retirement planning Retirement income strategy General tax planning Life insurance needs analysis

Based on Reyes Financial Architecture Inc.

Location

4660 La Jolla Village Drive, Suite 725

San Diego CA 92122

Advisors at this office

4

Advisors at this office

user avatar

Adeline R

Series 63, Series 65

San Diego, CA

Reyes Financial Architecture Inc.

Adeline Ruwe is a financial advisor at Reyes Financial Architecture Inc. in San Diego, CA, holding Series 63 and Series 65 credentials with five years of industry experience. She previously worked at OSAIC and Woodbury Financial Services INC. Outside her advisor role, she supports Miye Wire LLC as a Client Service Associate and paraplanner. Reyes Financial Architecture provides discretionary asset management, personalized financial planning, and consulting services primarily to high-net-worth individuals, trusts, estates, and small businesses. The firm employs a long-term investment approach using fundamental, technical, and cyclical analysis and includes financial planning as a complimentary component of its asset management offering.

General retirement planning Retirement income strategy General tax planning Life insurance needs analysis
user avatar

Deborah S

Series 65

San Diego, CA

Reyes Financial Architecture Inc.

Deborah Spencer is a financial advisor at Reyes Financial Architecture Inc. with two years of industry experience. She holds a Series 65 designation and has been with Reyes Financial Architecture since 2025. Reyes Financial Architecture provides discretionary asset management, personalized financial planning, and consulting services primarily to high-net-worth individuals, trusts, estates, and small businesses. The firm employs a long-term investment approach supported by fundamental, technical, and cyclical analysis, with financial planning included as a complimentary service within its asset management offerings.

General retirement planning Retirement income strategy General tax planning Life insurance needs analysis
user avatar

Julie R

Series 65, Series 63

San Diego, CA

Reyes Financial Architecture Inc.

Julie Reyes is a financial advisor at Reyes Financial Architecture Inc. in San Diego, CA, with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Emerson Equity LLC for six years. Reyes is the sole owner and operator of Reyes Financial Architecture Inc., where she has worked since 2009. Reyes Financial Architecture Inc. provides discretionary asset management, personalized financial planning, and consulting services to individuals, trusts, estates, and small businesses, focusing primarily on high-net-worth clients. The firm employs a long-term investment approach using fundamental, technical, and cyclical analysis, integrating financial planning as a complimentary part of its asset management offerings.

General retirement planning Retirement income strategy General tax planning Life insurance needs analysis
user avatar

David R

Series 63, Series 65

San Diego, CA

Reyes Financial Architecture Inc.

David Reyes is a financial advisor at Reyes Financial Architecture Inc. in San Diego, CA, with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Reyes Financial Architecture since 2010. Reyes is also an author and co-author of financial-related books. Reyes Financial Architecture provides discretionary asset management, personalized financial planning, and consulting services primarily to high-net-worth individuals, trusts, estates, and small businesses. The firm employs a long-term investment approach using fundamental, technical, and cyclical analysis, and includes financial planning as a complimentary service alongside portfolio management.

General retirement planning Retirement income strategy General tax planning Life insurance needs analysis
View complete list of advisors at this office
Warmer team member

Not sure where to start?

We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.

Find your advisor

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.

Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. (“Warmer”)