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5405 Morehouse Drive, Suite 245, San Diego, CA 92121

(858) 335-4945
BStevens@BAS-Financial.com

Financial Planning Services in San Diego

San Diego Financial Advisor: Wealth Strategies for Business Owners & Professionals

Navigating the unique economic landscape of Southern California with personalized financial planning.

For an overview of how our planning process works, see How We Help.

Schedule Your San Diego Consultation.

No cost, no obligation, and no high-pressure sales. Just a 20-minute conversation to see if our San Diego-based strategies align with your goals.

Comprehensive Business Owner Planning

The San Diego Business Owner Blueprint

In San Diego’s diverse economy — from construction firms and defense contractors to tech startups, professional services practices, and manufacturers — business ownership is often the greatest engine for personal wealth. But it also creates financial complexity that generic advice was never designed to handle. At BAS Financial, we serve as the financial quarterback for San Diego small business owners across every industry through our San Diego Business Owner Blueprint — a coordinated planning framework that protects your business, reduces your taxes, and builds lasting personal wealth at every stage of ownership, not just at the exit.

Exit planning is one part of the Blueprint. Here’s the full picture.

Retirement Plan Design & Optimization

California’s CalSavers mandate now applies to nearly every employer — but a custom 401(k), SEP-IRA, or Cash Balance plan often delivers dramatically better outcomes for you and your key employees. The Blueprint starts by making sure your retirement structure is right.

Tax-advantaged savings

Tax Reduction Strategies

Business owners in California carry one of the heaviest tax burdens in the country. The Blueprint incorporates proactive, legal strategies — coordinated with your CPA — that reduce what you owe year over year, not just at tax season.

CPA-coordinated planning

Key Person & Buy-Sell Protection

What happens to your business and your family’s income if you or a critical partner can’t work? The Blueprint designs and funds key person insurance and buy-sell agreements that keep the business running and your family protected.

Business continuity

Owner’s Personal Wealth & Income Protection

Most business owners reinvest everything back into the company, leaving personal wealth-building on the back burner. The Blueprint builds a personal financial plan that exists alongside your business — not dependent on it.

Personal wealth separation

Business Valuation & Growth Strategy

Do you know what your business is worth today? The Blueprint includes a complimentary valuation and helps you understand the specific levers that grow enterprise value over time — whether a transition is 2 years away or 20.

Complimentary valuation

Exit Planning & Business Succession

When you’re ready to transition — through a sale, family transfer, or management buyout — the Blueprint ensures the financial groundwork has been laid well in advance. As a CEPA™-certified advisor, Bradly brings rare, specialized expertise to this process across all industries.

CEPA™ Certified
Financial Planning for High Earners

The San Diego H.E.N.R.Y. Strategy

H.E.N.R.Y. — High Earner, Not Rich Yet

A high-income professional who earns well but hasn’t yet converted that income into lasting wealth — often because taxes, housing costs, debt, and lifestyle expansion are all moving at once without a coordinated plan.

For H.E.N.R.Y.s and established professionals in San Diego — in biotech, healthcare, technology, defense, and professional services — California’s tax landscape can feel like a constant headwind. With top marginal rates reaching 13.3%, proactive planning isn’t just a luxury. It’s a necessity.

The San Diego H.E.N.R.Y. Strategy is our coordinated planning approach for high earners who want to stop managing decisions in isolation and start building a financial system that actually reflects their income.

13.3%

California’s top marginal income tax rate — among the highest in the nation

37% + 13.3%

Combined federal + state marginal rate for many San Diego high earners

Proactive

Reactive tax filing costs high earners far more than a coordinated planning approach

California-specific strategies we navigate for you

Pass-Through Entity

PTE Elective Tax Mastery

We utilize California’s Pass-Through Entity (PTE) Elective Tax — extended through 2031 — to help business owners bypass federal SALT deduction caps. We ensure your June 15th prepayments are optimized to avoid the 12.5% credit reduction penalties.

Net Operating Loss

NOL Strategy & Timing

For those with California income exceeding $1M, the 2024–2026 suspension of NOL deductions requires a strategic re-evaluation of how you time your gains and losses. We build that timing into your broader financial plan.

Legislative Trends

Wealth Tax & Residency Planning

While headlines focus on the 2026 Billionaire Tax Act, the broader legislative trend toward wealth taxes and residency scrutiny affects all high-net-worth Californians. We provide meticulous residency and domicile planning to protect your assets.

The risk isn’t poverty. It’s arriving later in life with a high income history and a wealth position that doesn’t reflect it.

Free Download — PDF BAS Financial — Planning Process for San Diego H.E.N.R.Y.s
San Diego Economic Dashboard

San Diego Economic Dashboard

We believe in transparency and data-driven planning. We’ve compiled the most relevant economic markers for our community so you can see exactly how the San Diego market is evolving.

San Diego Office Location

5405 Morehouse Drive, Ste 245
San Diego, CA 92121 

Free onsite parking. Office hourse by appointment only.

Proudly serving clients in Sorrento Valley, La Jolla, Del Mar, Carmel Valley, and Greater San Diego County.