WWM Financial | Financial Advisor in Carlsbad ,CA

2131 Palomar Airport Road
Suite 330
Carlsbad, CA 92011
Phone: (760) 692-5196

Live Your Life. Enjoy each day. Make an Impact.


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About

WWM Financial is an independent Carlsbad-based wealth
management firm established in 2011 with experience dating
back to 1983. WWM knows what it takes to get through the many
minefields of financial planning, wealth management, and
generational wealth transfers. We attempt to detect and
address the financial blind spots that might not be apparent
to our clients. In this way, we are committed to helping
clients plan for their financial futures and those of
generations to come. Our advisors are seasoned professionals
who provide unbiased recommendations free from the potential
conflicts of interest that are possible with many of the major
banks and Wall Street firms.

As an independent Registered Investment Advisory (RIA) firm,
WWM Financial is not restricted to a limited pool of
investment products. Rather, we can access the best-suited
investment options for each of our unique clients. WWM is a
principal-driven firm, and our clients work with our firmís
decision makers Ė professionals who have proven track records
as investment advisors and wealth managers. We help our
clients develop customized strategies to grow and preserve
their wealth and attain their financial goals based upon
individual risk tolerance and future plans. Goals and
resources change over time for most people, which is why we
plan regularly scheduled meetings for each client to talk
about any changes that might have occurred and make
adjustments to their plans, if necessary.

11 Years of Experience



General Information
Insurance License#:   0G51135
States Licensed in:   CA, FL, IL, KY, MD, TX
Number of Years with Current Firm:   1


Services
Investment Types:   Annuities , Insurance , Exchange Traded Funds (ETFs) , Stocks , Alternative Investments , Bonds , Mutual Funds , Socially Responsible Investments (SRI)


Qualifications & Memberships
Insurance and Annuity Licenses:   Annuity , Health , Life , Long Term Care , Accident
Financial Organization Memberships:   Paladin Registry
Non-Financial Organization Memberships:   Rotary International, Carlsbad Chamber of
Commerce, UCLA Alumni Association, University of
Illinois Alumni Association


Compliance
Registered Investment Advisor:   Yes
Investment Advisor Representative:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record


Compensation & Fees
Fee Structure:   I am a Fee-Based financial professional
Minimum Portfolio Size for New Managed Accounts:   $50,000
Compensation Methods:   Based on Assets , Hourly , Flat Fee , Commissions


Board Positions
Organization:  Kiwanis Club of Carbondale  Carbondale, IL
Position :  President (1-year), board member (9-years)
Duration :  06/2007-05/2017

Organization:  WSIU Friends Board  Carbondale, IL
Position :  President (1-yr), board member (9-yrs)
Duration :  07/2007-05/2017


Education
Masters of Business Administration (MBA) - Business & Finance  UCLA - Westwood, CA
08/1998- 09/2000

Masters of Science - Electrical Engineering  University of Illinois - Champaign-Urbana, IL
08/1982- 01/1984

Bachelors of Science - Electrical Engineering  University of Illinois - Champaign-Urbana, IL
08/1978- 05/1982



FAQs

  • What are your qualifications? What is your education background? I am a CERTIFIED FINANCIAL PLANNER certificant, meaning I've taken graduate-level financial courses and passed the CFP examination. I also have an MBA from UCLA and a Bachelor's and Master's in Electrical Engineering from University of Illinois.
  • How are you compensated? How will I pay for your services? As an investment advisor, I am a fiduciary who places client interests above my own and tries to eliminate or reduce conflicts of interest. My core financial planning and investment management services are charged based on a flat or asset-based fee. If clients purchase insurance or annuities, I receive a commission from the insurance carrier.
  • If you are going to manage my account, will you obtain my permission every time you buy or sell something? I obtain client permission prior to buying or selling in their account if thatís the way they prefer to work with me. Accounts can also be set up with discretionary authority for clients not wishing to be notified prior to every trade inside their account. Itís up to the client.
  • Why should I choose you as my financial advisor? Iím an honest, caring, empathetic person who genuinely likes helping people. Iíve got an MBA and a CFP, complemented with a background in engineering - meaning Iím a good problem-solver. Iím not in it for the money. What drives me is helping clients meet their financial and life goals. Iím a good listener, and believe in treating everyone equitably and with respect.
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Scott McClatchey

Scott McClatchey

CERTIFIED FINANCIAL PLANNER™ Certificant

Biography


Scott began his financial services career in 2006 as an independent financial advisor with Raymond James Financial Services. He then co-founded Alliance Investment Planning Group in December 2007 with 3 partners. Alliance Investment Planning Group is based in Carbondale, IL and is affiliated with LPL Financial Services. He became a CERTIFIED FINANCIAL PLANNERTM in 2011, enabling him to provide clients a more holistic solution spanning investments, insurance, retirement planning, estate planning, and tax mitigation strategies. In April 2017, Scott joined WWM Financial as a wealth advisor and CFPģ. At WWM, he specializes in financial planning and investment strategies for business owners, company executives, professionals, and high net worth individuals and families.

Prior to entering the financial services industry, Scott had a 22-year career in the satellite communications industry. He has BS and MS degrees in Electrical Engineering from the University of Illinois and an MBA from UCLA.

Scott likes to stay active by volunteering and giving back to his community. Heís a member of the Carlsbad Rotary Club and Chamber of Commerce. Scott served as president of the local Kiwanis Club and Public Broadcasting Board while in Carbondale. Scott is a lifetime runner, avid reader, dog lover, devoted husband and father, craft beer enthusiast, and music lover. He has been married for 34 years and has 2 adult children. He and his wife Kay live in North County San Diego with their golden retriever Biscuit.

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My Services


Financial Advice & Consulting

We help solve clientsí financial challenges so they can live their lives free of day-to-day financial stress. In this way, we provide financial freedom and independence Ė because we do the heavy lifting, and the worrying, so our clients donít have to.


Financial Planning for Individuals

We start the financial planning process by listening to our clientsí hopes and fears, and getting to know their situation, circumstances, and aspirations. We work together to create a holistic plan which changes as life happens. The plan incorporates key elements of financial planning, including investments, tax mitigation, retirement planning, insurance, college savings plans, estate planning, and philanthropy. Using planning tools such as MoneyGuidePro, we can provide a roadmap for clients which illustrates how they can meet their financial goals and computes how much they need to save and invest.


Retirement Planning

Compared to years past, retirement planning is more important yet complex today due to longer lifetimes and fewer company pensions. We employ traditional and Roth IRAs, SEP & SIMPLE plans, 401(k)/403(b) rollovers, and in some situations, annuities or reverse mortgages to help clients plan for financially secure retirements. Prior to retirement, these efforts are focused on efficiently accumulating assets subject to current and future tax considerations. Post retirement, we develop a retirement income strategy and help clients manage longevity risk, portfolio volatility, inflation, and unexpected expenses. Together we try to provide a worry-free retirement.


Communities Served

Bonsall Carlsbad
Del Mar Encinitas
Escondido Fallbrook
La Jolla Oceanside
Pauma Valley Poway
Rancho Santa Fe San Clemente
San Diego San Marcos
Solana Beach Temecula
Valley Center Vista

Office Hours

Mon. 8:00 AM - 5:00 PM
Tue. 8:00 AM - 5:00 PM
Wed. 8:00 AM - 5:00 PM
Thu. 8:00 AM - 5:00 PM
Fri. 8:00 AM - 5:00 PM

Awards & Recognitions


LPL Freedom Club
(05/15/2016)

Award for outstanding client service


LPL Freedom Club
(05/15/2015)

Award for outstanding client service

Social Networks


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