Independent Wealth Management for Retirement Planning and Managed Accounts
Financial advisory services using institutional money managers and portfolio oversight with access to a broad range of investment strategies. We provide our clients with a personalized plan for meeting their long term financial and estate planning goals. We are an independent financial advisor and fiduciary that will put your interest first.
Richard M. Ligotti
Founder
About Laguna Niguel Summit
Wealth Management, LLC
Independent wealth management with over 25 years of financial services experience, focused on retirement planning and professionally managed accounts. Founded in 2016, serving clients who value long-term guidance and portfolio oversight. Resident of the Summit at Beacon Hill in Orange County California since 1988. We presently serve clients in multiple states.
We work with individuals, families and businesses seeking a trusted advisory relationship, including coordination with your CPA, tax preparer, or attorney when appropriate. Our simple transparent fee-based wealth management serves pre-retirees and retirees. We are an independent fiduciary financial advisor that will put your interests first and provide personalized service to achieve your long-term financial and estate planning goals.
How Our Advisory Relationship Typically Works
Client relationships typically begin with complimentary introductory conversations by phone to determine mutual fit, discuss goals and answer initial questions.
Depending on your needs the early process may include:
Introductory phone consultation
Follow-up discussion and financial planning priorities
Review of statements or assets to be transferred
Retirement income and portfolio considerations
Coordination with your CPA or attorney when appropriate
Laguna Niguel Summit Wealth Management uses institutional investment managers ranging from approximately $400 million to over $140 billion in assets under management, providing access to a broad range of investment and estate planning strategies.
In addition to portfolio management and planning, we may also evaluate insurance-based solutions when appropriate, including fixed and indexed annuities as part of an overall retirement income strategy. These tools can play a role in managing risk, providing income stability, and addressing specific client objectives when aligned with a broader financial plan.
Insurance Disclosure
Insurance products, when offered, are made available through appropriately licensed insurance representatives in their separate capacity as insurance agents. Insurance services are separate from investment advisory services and may involve separate compensation from Insurance companies and potential conflicts of interest. Clients are under no obligation to purchase any insurance products through our firm or its representatives. Laguna Niguel Summit Wealth Management will only make recommendations for insurance products when they are consistent with the firm’s fiduciary obligation to the client.
CA Insurance Lic. 0C55424
