Torrey Wealth, LLC

Torrey Wealth, LLC, a registered investment adviser based in San Diego, specializes in managing assets for various clients to meet their financial goals while considering risk tolerance and time horizons. Established as a fiduciary, the firm always acts in the best interest of clients, fostering open communication and tailored investment strategies. Torrey Wealth offers a wrap fee program where clients pay a single fee for investment advisory services, absorbing transaction costs. The firm's wrap asset management service creates portfolios tailored to individual needs, continuously monitored and rebalanced. Fees are billed quarterly based on assets under management, with negotiable rates. The firm also provides comprehensive portfolio management services, including financial planning. Clients may pay additional fees imposed by custodians for certain investments. Torrey Wealth's investment strategies include asset allocation, equity securities, fixed income, individual stocks, and mutual funds. The firm utilizes various methods of analysis, such as charting, cyclical analysis, fundamental analysis, quantitative analysis, and sector analysis. Clients have the opportunity to place restrictions on investments. The firm does not charge performance-based fees and does not recommend other wrap program services. Torrey Wealth serves individuals, high net worth individuals, trusts, estates, charitable organizations, and various business entities. The firm's investment adviser representatives act as portfolio managers, managing wrap fee accounts according to clients' objectives and risk tolerance. Clients have the option to place restrictions on investments, and the firm periodically reviews block trade allocations to ensure fair distribution. Torrey Wealth does not accept proxy authority to vote client securities and maintains high ethical standards through its Code of Ethics. The firm reviews client accounts annually and does not pay referral fees to independent solicitors. Torrey Wealth does not have financial conditions impairing its ability to meet obligations and has not been subject to bankruptcy proceedings.