Ryan is a Wealth Advisor at Gunn Financial Associates, serving clients since 2008. He earned his Finance degree from the David Eccles School of Business at the University of Utah and completed his CFP® education at Boston University. With his firm, Ryan provides comprehensive wealth planning services designed to safeguard and enhance your financial resources. He crafts personalized, flexible financial roadmaps that evolve with market conditions and your unique needs, ensuring every aspect of your financial life is aligned.
For business owners preparing to exit, Ryan offers specialized expertise in strategic exit planning, including succession, valuation, and tax-efficient strategies. High-net-worth individuals nearing retirement also benefit from his focus on sustaining income, optimizing wealth, and preserving legacies. Whether transitioning from a business or into retirement, Ryan empowers you with the insights needed for a prosperous future.
Gunn Financial Associates provides financial planning, retirement, and investment services to high net worth individuals, families, and business owners. With over 40 years of experience, we help you achieve your financial goals through strategic investment management, retirement planning, tax optimization, and asset protection.
Charles Gunn
CFP®, CPA/PFS
Charles Gunn is the founder and owner of Gunn Financial Associates. He is a CERTIFIED FINANCIAL PLANNER™ and a California certified public accountant with the personal financial specialist designation (CPA/PFS). Mr. Gunn holds FINRA 7, 24, 63 & 65 licenses and California real estate broker and insurance licenses. He is a
registered representative with Royal Alliance Associates, Inc.
Mr. Gunn graduated from California State University, Northridge in 1974 receiving a B.S. in business administration with emphasis in accounting and joined a national CPA firm. He left public accounting for the real estate syndication, development and management industry, ultimately as partner and president in a group of companies that syndicated and developed over 100 apartment properties throughout the US, most of which were profitably closed out and the remainder continue to operate.
With the cessation of real estate syndication
in the late 1980s, Mr. Gunn formed Gunn Financial Associates to provide financial, retirement and investment services for high income and net worth clients. With its reputation for competence, integrity, attention to detail and the ability to communicate with clients and meet their needs, its client base continues to increase through referrals from clients and
professionals in the financial community.
General Information |
| Firm Start Year: | 1989 | |
| No. of Employees: | 2-4 | |
| automated call: | Yes |
| Insurance License#: | 0I67971 |
| Name of Custodial Firm: | SEI Private Trust, Schwab, Fidelity |
| Number of Years with Current Firm: | 16 |
| Work Experience: | Ryan began his professional journey at Wells Fargo Financial, where he provided bilingual support to both English and Spanish-speaking clients, specializing in credit repair, debt consolidation, and mortgage refinancing. Soon after, he transitioned to an independent role as a financial planner at Aegis Wealth Group. These early career experiences paved the way for his move to Gunn Financial Associatesa wealth advisory firm established in 1989where he works alongside his father to serve high-net-worth families and business owners both locally and nationwide. |
| Work with the following types of clients: | Retirees, Businesses, Individual Investors |
| Advisory Services Provided: | Financial Advice & Consulting, Investment Advice & Management, Estate Planning & Trusts, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Education Funding and Planning |
Services |
| Investment Types: | Options & Futures, FOREX & Currency, Mutual Funds, Bonds, Stocks, Annuities, Insurance, Commodities, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Phone, Video Conference, Our Office |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Life, Long Term Care, Annuity |
| Financial Organization Memberships: | Academy of Preferred Financial Advisors |
Firm Information |
| Firm's Number of Clients: | 100+ |
| Firm's Number of Planning Clients: | 100+ |
| Firm's Number of Managed Clients: | 100+ |
| Assets Managed by Firm: | 8,000,000,000 |
| Advisor's Number of Clients: | 100+ |
| Advisor's Number of Managed Clients: | 100+ |
| Advisor's Number of Planning Clients: | 100+ |
| Assets Managed by Advisor: | $140,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $1,000,000 |
| Compensation Methods: | Based on Assets, Flat Fee |
| Fee % Based on Assets: | TBD |
| Additional Details on Charges: | Our pricing is designed to be transparent and flexible. We offer flat fees and retainer-based pricing tailored to the scope of your project, as well as asset-based fees for clients seeking asset management services. A detailed fee schedule is provided during your initial consultation. |
Education |
| Finance - Finance | University of Utah - Salt Lake City Utah 2002-2005 |
Financial Services |
| Retirement Planning
-Determine When to Retire: Evaluate your financial readiness and lifestyle goals to choose the optimal retirement date. -Ensure Sustainable Income: Develop a strategic investment distribution plan designed to last throughout your retirement. -Optimize Social Security Benefits: Identify the best time to begin receiving Social Security to maximize your overall income. Our personalized approach ensures you make informed decisions that align with your long-term financial security. |
| Estate Planning & Trusts
Verify proper plans are in place to accomplish legacy goals. Review beneficiary designations. Re-titling of assets. Establishing inherited IRAs. Strategy implementation to reduce estate taxes. Guidance in the event of a death. |
| Tax Advice and Services
Implement tax strategies to reduce income taxes now and in the future. Coordination of your tax and investment decisions. Consulting with tax professional. Recommendations of tax saving investments. |
| Education Funding and Planning
Needs analysis to pay for college educations. 529 plan selection and management. |
| Investment Advice & Management
We evaluate your investment risk tolerance and build a customized portfolio aligned with your goals. We also offer recommendations for your employer-sponsored retirement accounts. for a couple of seconds " Evaluate if your current investment risk is within your comfort zone. " Build and manage a portfolio tailored to your goals and risk tolerance. " Provide recommendations for your employer-sponsored retirement accounts. |
| 401K Rollovers
We manage the entire process of direct 401(k) rollovers and transfers into your individual retirement accounts. Our experienced team ensures a seamless transition, preserving the integrity of your retirement savings while aligning with your long-term financial strategy. |
| Insurance Planning
Review of existing insurance policies. Needs analysis to determine shortfalls in coverage for life, long term care and disability. Assistance with purchase of new policies. |
| Annuities
Education on the proper use of annuities and incorporating them into your retirement plan if needed and desired. Insurance carrier and annuity contract selection and purchase. |
FAQs |
Why should I choose you as my financial advisor?Our firm's advisers are required to have a minimum of a Bachelors degree and obtain the CERTIFIED FINANCIAL PLANNER® certification. We also have a CPA within the firm. |
What are your qualifications? What is your education background?As CFPs we offer a holistic approach to assisting you with your finances. Proper retirement planning upfront allows you to make educated decisions and avoid costly mistakes. We start by first clarifying your goals and assess where you stand today and then prioritize the steps necessary to accomplish your goals. |
How are you compensated? How will I pay for your services?We have a several fee models available to meet our clients needs that include the following; one-time, quarterly retainer and/or investment management fee. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something?Each client will work with a primary servicing adviser. Additional advisers will be involved in the client planning and decision process which provides every client with double coverage. |
How many clients do you currently manage?We currently have over 135 client relationships. |
Disclosures |
| WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Disclaimer |
| Investment advisory services offered by Wealthcare Advisory Partners LLC, dba Gunn Financial Associates. Wealthcare Advisory Partners LLC is a registered investment advisor with the U.S. Securities and Exchange Commission. Insurance services offered through Ryan Gunn CA Insurance Lic. #0I67971. |
Investment Advisor Representative:
Yes
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
| Mon. | 9:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 5:00 PM |
| Wed. | 9:00 AM - 5:00 PM |
| Thu. | 9:00 AM - 5:00 PM |
| Fri. | 9:00 AM - 2:00 PM |
| We proudly serve clients nationwide, with convenient physical offices in Orange County and Westlake Village, California. |
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