About Us

Pacific places us on the Southern California coast, where we are based and where most of our days are spent. Summit points up toward the mountains that frame the horizon here and ahead toward the financial goals you are working to reach. We are Advisors rather than Managers because guiding and planning with you matters more to us than simply overseeing an account.

Each of us has spent more than two decades helping people prepare for and move through retirement, long enough to have watched markets rise, fall, and recover more than once. That history matters most when the headlines turn grim, and the temptation is to act on fear instead of the plan. Ryan Gallo has carved out a specialty in the retirement plans of McMaster-Carr employees, knowing them with a depth that comes only from working the same situations again and again.

It is common in this industry to charge a few thousand dollars for a financial plan. We understand that this cost could stop someone from getting good advice before they ever sit down. We took that cost off the table, because we would rather earn your confidence over a few honest conversations than collect a fee for a document. The relationship continues only if you decide the advice is worth acting on, which keeps our interests and yours aligned.