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Canter Wealth

Tel: 858-812-7547
7825 Fay Ave #140
La Jolla, CA 92037
Canter Wealth | Financial Advisor in La Jolla ,CA

Your financial life, integrated



About Michael Bernier

From our CERTIFIED FINANCIAL PLANNERS to our dedicated marketing and administration staff, we strive to provide our clients with our best wealth management experience.


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.

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General Information

Firm Start Year:   2007
Name of Broker/Dealer:   TD Ameritrade
States Licensed in:   CA
Number of Years with Current Firm:   2
Advisory Services Provided:   Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Education Funding and Planning, Risk Management, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Investment Advice & Management, Financial Advice & Consulting, Estate Planning & Trusts

Services

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

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

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

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Financial 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

Retirement Planning

- Social Security strategy - Tax-efficient asset distribution - RMD planning - Pension payout plans - Goal planning

Insurance Planning

Advisors will work with a network of insurance professionals and recommend an adequate amount of insurance coverage and long-term care.

Estate Planning & Trusts

Advisors work with trusted estate planning attorneys to help with your trust and get your estate is in order

Tax Advice and Services

Forward-looking tax planning strategies to reduce your taxes now and in the future. We utilize tax-loss harvesting, asset location, charitable gifting, and other strategies to help reduce your tax liability.

Education Funding and Planning

Strategic goal planning and education funding advice using the appropriate accounts for your situation.


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 are you compensated? How will I pay for your services?

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.

What services do you offer?

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 - insurance 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

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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

Compliance

Registered Investment Advisor:

Yes


Registered Representative:

Yes


Investment Advisor Representative:

Yes


Acknowledged fiduciary:

Yes


Compliance Disclosures in Last 5 years:

Have a clean record


Criminal Disclosures in Last 5 years:

Have a clean record


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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