How We Help

Comprehensive financial planning and custom investment management, for individuals and families in Santa Cruz.

At Wynn Capital, our business model allows us to spend time with you and learn what matters most.

We help you craft a plan that addresses what's important to you and your family.

Most of what follows works together. A tax strategy affects a retirement projection, which affects how much risk makes sense in a portfolio. Handling it under one roof is the point.

What we do

    • Goal planning, scenarios and projections

    • Tax-saving strategies

    • Estate planning

    • Charitable giving

    • Multigenerational planning

    • Customized investment management and advice

    • Concentrated positions

    • SRI: socially responsible investment options

    • Stock option management (ISO, NSO, RSU, SAR, ESPP, etc.)

    • Deferred Compensation plan assistance

    • Proprietary risk management

    • Portfolio hedging when appropriate

    • Financial education

    • Second opinion on existing investments

Investment philosophy

Control what can be controlled

Nobody can control what markets do. Expenses, global diversification, tax efficiency, dynamic rebalancing and risk management are all within our control, so that's where we put our attention.

The aim is to capture the returns the market offers as efficiently as possible. Portfolios are globally diversified, built with low expense ratio funds, dynamically rebalanced, and hedged when appropriate. Socially responsible models are available on request.

We have access to Dimensional Fund Advisors mutual funds and to the wider universe of investment options, which means we aren't limited to a house list.

What sets us apart

Knowing the most you can lose

Thomas spent twelve years as a derivatives trader on the floor of the Pacific Stock Exchange. That experience is why we can manage custom portfolios in house, which reduces fees and gives us more flexibility.

It's also why we can hedge. For clients where it's appropriate, proprietary hedging strategies can define the maximum risk of a portfolio in a decline. Knowing that number in advance changes how a market drop feels.

How planning works

We start by understanding your unique circumstances, goals and challenges. Working alongside your accountant, attorney and any other professionals you already trust, we build out retirement cash flow, net worth, tax reports and your estate plan.

Accounts that can be linked update daily, so your reports reflect what's actually there rather than what was true last quarter. From there, we adjust the plan as your life unfolds. That's the part that matters most, and it doesn't end.

FAQs

  • Our management fee is our sole source of income. We receive no income from any other source.

  • No. It's the person, not the portfolio.

  • Mostly local clients, ranging from people at nonprofits to startup entrepreneurs.

  • Yes. Most of our clients are local, but we work with clients outside California too.

  • Yes. Client accounts are held at Schwab, so yours would move there.

Not sure where to start?

A second opinion is free and carries no obligation.

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