Overview
We are a fee-only (we are solely compensated by our clients, sell no products and receive no
commissions or referral fees), SEC-registered investment advisor located in San Diego, California.
We, including predecessor firms (Dean Consulting & Associates), have been in business since
1988. Currently, we have approximately 160 clients/families and manage $288,496,000.
Marc Roland and Andrew Russell have worked together for over twenty years and are the firm’s
managing members. Marc and Andrew each own a 50 percent interest in the firm.
We offer fee-only wealth management services primarily to high net-worth individuals and
families to help them meet their short-term and long-term personal financial goals. Our niche is
providing personalized, customized services. In order to perform our wealth management services
well, we meet with our clients and work with them to outline their financial circumstances and
investment objectives. Each client’s portfolio is tailored for that client’s specific needs, goals and
risk tolerances.
Our services can include reviewing and making recommendations on some or all the following
(the below areas are reviewed as needed or on request during ongoing monitoring):
• Defining and quantifying goals and priorities;
• Investment strategies/advisory – may include some or all of the following: an evaluation
of current portfolio, education on investments, development of a personalized asset
allocation (investment mix), trade execution and rebalancing in accordance with your
asset allocation;
• Retirement planning;
• Personal income tax and cash flow planning;
• Educational funding;
• Estate planning, multi-generational planning, legacy charitable planning;
• Insurance/risk management.
Once you choose an overall investment mix (“asset allocation”), we select the specific securities
that will make up the desired mix of assets. We will use mutual funds, stocks, bonds, exchange-
traded funds (ETFs), cash-equivalents, and other instruments. We will consider your personal
situation, income and liquidity needs, time horizon, legal and tax constraints, and other special
circumstances. Many times, our recommendations are determined primarily from tax, cash flow,
and estate planning considerations rather than the intrinsic merits of the specific security as an
investment.
The financial planning items mentioned may include the preparation of financial plans and
analyses as well as financial statements showing net worth, cash flow, and income tax projections.
We develop models that test how well your desired expenses match your expected financial
resources.
Dean Roland Russell | Family Wealth Management 5