Financial Planning Services in San Diego

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.

In San Diego’s fast-paced economy—from the biotech labs of Sorrento Valley to the defense firms in Kearny Mesa—business ownership is often the greatest engine for wealth. However, it also presents unique challenges that "off-the-shelf" financial advice fails to address.

At BAS Financial, we specialize in the intersection of corporate success and personal financial independence. Our strategies for business owners include:

• Tax-Efficient Exit Planning: Whether you are eyeing a 2026 liquidity event or a multi-year transition, we help you structure your business for maximum value and minimum tax friction.
• Succession & Continuity: We work with you to answer the critical question: What happens to the business if you aren't there? We build frameworks that protect your legacy and your family’s lifestyle.
• CalSavers vs. Custom Retirement Plans: As of 2026, California’s CalSavers mandate now applies to almost every employer. We help you evaluate if a private 401(k) offers better flexibility, higher contribution limits, and superior outcomes for you and your key employees.

For H.E.N.R.Y.s (High Earners, Not Rich Yet) and established professionals in San Diego, California’s tax landscape can feel like a headwind. With top marginal rates reaching 13.3%, proactive planning isn't just a luxury—it's a necessity.

We help our clients navigate current and upcoming California-specific tax hurdles:

• 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 new 12.5% credit reduction penalties.
  
• Net Operating Loss (NOL) Strategy: 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.
  
• The "Billionaire Tax" Ripple Effect: 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 global assets.

BAS Financial - Planning Process for San Diego HERNYs