wiseradvisor

Canter Wealth

Tel: 858-212-7550
7825 Fay Ave #140
La Jolla, CA 92037

Your financial life, integrated

Canter Wealth | Financial Advisor in La Jolla ,CA


About Canter Wealth

Canter Wealth was born out of the need for integration within the wealth management industry. Your financial story has many moving parts, what matters most is that they all work together on the same mission: to help you achieve your life goals.

Investments create taxes, assets lead to estate plans, and real estate influences all of the above. The question we ask is, shouldnt all the aspects of someones financial health be integrated?

The outcome of our approach is clear  integrated efficiencies can lead to lower investment costs, reduced tax burdens, and increased peace of mind.


General Information

Firm Start Year:   2007
Gender:   Male
Name of Broker/Dealer:   TD Ameritrade
States Licensed in:   CA
Number of Years with Current Firm:   2
Work Experience:   01/2019 - Present Canter Strategic Wealth Management, LLC, San Diego, CA DBA Canter Wealth, Senior Wealth Advisor & Investment Advisor Representative

02/2010 - 01/2019 Pure Financial Advisors, Inc., San Diego, CA Investment Advisor Representative

01/2005 - 02/2010 Independent Financial Group, Inc., San Diego, CA Registered Representative

06/2003 - 12/2004 Financial Designs, Ltd., San Diego, CA Para Planner
Advisory Services Provided:   Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Investment Advice & Management, Tax Advice and Services, Estate Planning & Trusts, Education Funding and Planning, Financial Planning for Businesses, Financial Planning for Individuals, Financial Advice & Consulting


Services

Investment Types:   Exchange Traded Funds (ETFs), Alternative Investments, Bonds, Mutual Funds, Stocks, Socially Responsible Investments (SRI)
I can meet clients in the following ways:   Via Phone, Via Email, Video Conference, Our Offices, At my office


Firm Information

Firm's Number of Clients:   174
Firm's Number of Planning Clients:   174
Firm's Number of Managed Clients:   170
Assets Managed by Firm:   168,118,467
Advisor's Number of Clients:   92
Advisor's Number of Managed Clients:   92
Advisor's Number of Planning Clients:   92
Assets Managed by Advisor:   $100,000,000


Compliance

Registered Investment Advisor:   Yes
Registered Representative:   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 and Fees

Fee Structure:   Fee Only
Minimum Portfolio Size for New Managed Accounts:   $250,000
Compensation Methods:   Based on Assets, Flat Fee
Fee % Based on Assets:   0.45 - 1%
Additional Details on Charges:   The fee is based on assets under management.
Minimum Fee Charged for Managed Accounts:   0.45%
Minimum Fee Charged for Hourly Planning Accounts:   0.45%


Education

Bachelor of Science - Financial Services  San Diego State University - San Diego
10/1/2000-06/01/2004



Faqs

  • Why should I choose you as my financial advisor? All advisors are CERTIFIED FINANCIAL PLANNER" practitioners. This certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
  • What are your qualifications? What is your education background? We offer a holistic approach to financial planning and cover areas including but not limited to your retirement, tax strategy, investing, risk management, insurance guidance, estate planning, goal planning, college funding, and business planning.
  • How do you charge for your services? Retirement planning - 401(k) rollovers - Roth IRA conversions - Tax-efficient retirement income strategy - Social Security strategy - Pension payout planning Tax Planning - Charitable gifting - Tax-efficient asset location - Charitable Remainder Trust - 1031 exchange advice - Reducing capital gains tax - HSA, FSA Investment management - Portfolio construction - Asset allocation - Rebalancing - Tax-loss harvesting - Risk control - Risk management Asset protection - nsurance optimization Healthcare planning - Medicare - Long-term care advice - Budgeting for healthcare costs - Bridging the gap to Medicare Estate planning - Wills vs trusts - Legacy planning - Estate tax Saving - Goal planning - Cash flow - College funding Business planning - 401(k) management - Tax strategy Real estate
  • How many clients do you currently manage? The financial services industry is plagued with conflicts of interest. How an advisor is compensated is at the top of the list. We don't sell products or accept any commissions. We are fee-ony, meaning we charge a flat fee for asset management services.
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Disclaimer

Canter Strategic Wealth Management, LLC d/b/a Canter Wealth (the Registered Investment Adviser), and Canter Real Estate Group, Canter Development, and Canter Capital are affiliated companies. Persons engaging the services of one affiliate of the Canter Companies should be aware each of the companies is operated separately. Engaging the services of one entity does not entitle any client to the rights and protections of another entity, some of whom are regulated entities subject to different regulatory regimes. Clients should be aware that services provided by one regulated entity will only be provided concerning that entity and are not for services provided by another Canter Company. The protections afforded when doing business with one entity may not necessarily exist when doing business with another affiliated entity

Michael Bernier

Canter Wealth

With over fifteen years of experience in the wealth management industry, Mike Bernier presently serves as a Senior Financial Advisor for Canter Wealth, where he helps clients achieve their goals using prudent financial planning. Prior to joining Canter Wealth, Mike was a Senior Advisor at one of the fastest-growing financial planning firms in the country, managing over $200 million in client assets.* His experience in personal finance enables him to develop strategic approaches in the areas of tax strategy, investment management, retirement, and estate planning.

Mike graduated Summa Cum Laude from San Diego State University s College of Business Administration with a major in Financial Services. Based on his achievement in the program, Mike was recognized by Beta Gamma Sigma, The International Honor Society for Business Excellence. Following his lifelong passion for knowledge, Mike chose to pursue and complete all the requirements necessary to become a CERTIFIED FINANCIAL PLANNER practitioner.

Mike teaches retirement adult education courses at colleges across San Diego. He has been featured on CBS, KFMB, KRLA and was previously a co-host on a local financial radio show for many years.

During his free time, Mike is an active member of the Aztec Athletic Foundation and enjoys spending time with his wife, Nicole, and three children, Grant, Wesley, and Charlotte.

*RIA Survey & Ranking 2018, Financial Advisor Magazine, July 2018

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My Services

Financial Planning for Individuals

- Retirement planning - Tax planning - Investment management - Real estate - Risk management - Asset protection - Estate planning


Financial Advice & Consulting

- Retirement planning - Tax planning - Investment management - Real estate - Risk management - Asset protection - Estate planning - Business planning


Portfolio Management

- Asset management - Asset location - Tax diversification - Tax loss harvesting - Rebalancing


My Team

Babak (Bobby) Gahvari brings over ten years of wealth management expertise to the Canter team. Prior to joining Canter Strategic Wealth Management, Babak worked for Dimensional Fund Advisors, one of the largest asset managers in the world.1 Babak has an extensive background in capital market research, regression analysis, and multi-factor based portfolio theory. In his role at Dimensional, Babak spent his time consulting with investment advisors in the Northeast, overseeing nearly $4B ...more

Joe Kalmanovitz, Head of Financial Planning for Canter Wealth, is a 17-year veteran of the wealth management industry. Joe utilizes his experience to deliver innovative financial planning solutions with the aim to help clients minimize tax liability, reduce portfolio risk, and effectively achieve their life goals.

As a CERTIFIED FINANCIAL PLANNER, Joe leverages Canter Wealth's unique integrated approach to develop customized, comprehensive planning solutions to address various aspects ...more

Michael Canzone is a Wealth Manager for Canter Wealth. With over 18 years of experience, Michael brings extensive knowledge to providing customized financial planning for families, corporations, and charitable organizations.

Michael began his investment career with Prudential Securities in 1999. In 2005, he joined Fidelity Investments and became Vice President of their Private Client Group through 2011. At that time, Michael transitioned to building his own successful financial planni ...more

Jim joins Canter Wealth as a Wealth Advisor and acts as a fiduciary focused on helping clients accomplish their financial goals.

Prior to joining Canter, Jim worked at three leading financial service firms and advised a wide range of clients including high net worth families and public employees in the Boston school districts. During his time with these firms, Jim became increasingly frustrated by the proprietary solutions and lack of customization at his prior firms. These collective ...more

Min Jo, Operations Manager for Canter Wealth, is a veteran in the financial and real estate industry, bringing over twenty years of experience to the team. Min goes above and beyond to create a positive experience for clients and supports advisors with all operational tasks, including account openings, rollovers, money transfers, investment funding, and tax reporting.

Min attended Loyola University in Maryland, where she earned a bachelor's degree in International Business and Marketin ...more

Office Hours

wiseradvisor-balck-li-img Mon. 9:00 AM - 6:00 PM
wiseradvisor-balck-li-img Tue. 9:00 AM - 6:00 PM
wiseradvisor-balck-li-img Wed. 9:00 AM - 6:00 PM
wiseradvisor-balck-li-img Thu. 9:00 AM - 6:00 PM
wiseradvisor-balck-li-img Fri. 9:00 AM - 6:00 PM

Communities Served

United States
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News & Events

How Retirement Edu Can Make All the Difference
When: 10/20/2020
Details:Canter Wealth, a boutique investment management and financial planning firm located in San Diego, California, uses comprehensive advice and an integrated approach to help clients all over the nation prepare for a brighter financial future. ...more


Top Financial Advisors in La Jolla, CA
When: 06/09/2020
Details:Canter Wealth is ranked in the top 9 financial advisors in La Jolla, CA by SmartAsset. SmartAsset limited its list to firms registered with the U.S. Securities and Exchange Commission (SEC) in La Jolla, California. We only considered SEC-registered companies because such companies have a fiduciary duty to act in their clients best interests. Next, we removed any firms that have disclosures, lack financial planning services or do not manage individual accounts. The top firms to meet these criteria are listed here, ordered by assets under management (AUM). ...more


Meet The Canter Companies CEO Pioneering A New Fin
When: 09/26/2017
Details:Standing at the forefront of a new field of wealth management, known as Integrated Asset Management, Canter Companies' employees come from diverse financial services backgrounds and infuse traditional wealth management practices with a deep and proven understanding of the real estate market. ...more


Why Combining Real Estate Expertise With Financial
When: 11/19/2016
Details:There is a substantial sector of the market that needs both a financial planner and a real estate consultant to help them manage their assets. Getting two different advisors to agree on how money should be appropriated, which risks to take, and how to achieve the same financial goal is unrealistic. And yet the nuances of managing real estate assets and traditional financial investments demands that anyone with such a diversified portfolio needs both kinds of advisors. That is, until now. IAM is following the tradition of many industries before it. ...more


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