Built for investors who think differently about the future of finance

DLTFG is led by Ryan De La Torre, CFP®, CLTC®, whose more than 20 years of research into monetary history, currency debasement, and the forces shaping long-term wealth help inform his approach to financial planning and wealth preservation. If you’re looking beyond conventional financial advice and exploring broader questions about your financial future, DLTFG offers a perspective designed to support that conversation.

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Financial education for a broader perspective

Our goal is to provide meaningful insight, thoughtful analysis, and a broader understanding of how money functions. Through deeper context and a long-term perspective, we aim to help you ask better questions, engage in more informed conversations, and make confident financial decisions.

Watch our latest DLTFG Market Update our YouTube channel or register for a future webinar featuring live Q&A with Ryan De La Torre, CFP®, CLTC®.

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A FRAMEWORK FOR PERSPECTIVE AND PRECISION

Custom portfolios built around a philosophy, not a template

Ryan De La Torre, CFP®, CLTC® designs every portfolio personally, aligning each allocation with your specific objectives, time horizon, and sensitivity to inflation and purchasing power. This approach emphasizes a disciplined approach that integrates hard assets where appropriate and adapts to changing market conditions.

Read more about the DLTFG approach HERE.

Strategies may include precious metals, direct indexing, covered call strategies, and advanced planning in coordination with Cetera’s specialist team—all structured around your situation.

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Anchored in practicality and focused on helping clients thoughtfully manage the wealth they've built

What if the things you were taught about money were built on a flawed premise? For centuries, two competing schools of thought have shaped how governments, institutions, and individuals manage wealth. One believes the money supply should be actively controlled. The other believes sound money—historically anchored in gold—is the foundation of lasting prosperity.

Understanding the difference changes how you see everything in your portfolio.

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THE CLIENTS WE SERVE

We do our best work for investors with complexity, conviction, and something real to protect

Executives

We simplify equity concentration, manage RSU and options exposure, and build a coordinated plan around rising income and long-term wealth preservation.

Tech employees

Heavy concentration in a single stock — or sector — is a risk most plans ignore. We help you think about what happens to your portfolio if the tech bubble deflates.

Pre-retirees & retirees

Our retirement framework helps you model income scenarios in real purchasing power terms—not just nominal returns—with the goal of helping clients evaluate retirement income considerations beyond assumptions alone.

Business owners

We help you navigate the exit, protect what you've built, and deploy liquidity in a way that reflects the realities of inflation and long-term wealth preservation.

Meet our clients

Build your portfolio to withstand
a new tomorrow

We work with a select group of investors who think seriously about purchasing
power, monetary history, and what genuine portfolio resilience looks like. If
that's the conversation you've been looking for, let's start it.

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WHY INVESTORS CHOOSE DLTFG

A different kind of advisor for a different kind of investor

Gold has been recognized as a form of money for thousands of years and has historically been viewed as a store of value across different economic systems.* We build portfolios for investors who understand that distinction and want their wealth strategy to reflect it.

Portfolios designed and managed directly by Ryan De La Torre, CFP®, CLTC® with each allocation guided by a deliberate, hands-on approach

Independent and fiduciary—free from corporate agendas, product quotas, or conflicted incentives

Deep specialization in inflation-hedged portfolio construction and purchasing-power-adjusted planning

Experienced in advanced strategies, including direct indexing, covered calls, and concentrated equity management

Experienced in advanced Financial planning strategies supported by Cetera’s Advanced Planning Team, trust services, and institutional resources

Committed to ongoing client education, monetary history, economic cycles, and the fundamentals of sound money

SERVING CLIENTS IN THE BAY AREA AND NATIONWIDE

Ready to see your full
financial picture?

We help a select group of investors build portfolios grounded in monetary
reality — clearly, confidently, and from a higher vantage point. If you're
ready to have that conversation, we'd like to hear from you.

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*Investing in gold, silver, and other precious metals involves risk, including price volatility and potential loss of principal. Values may fluctuate due to market conditions, interest rates, currency movements, and economic or geopolitical events. Precious metals can be volatile and may not be suitable for all investors. Diversification does not guarantee a profit or protect against loss. Cetera does not offer direct investments in gold(commodities).

**Investing involves risk, including possible loss of principal. Market conditions may cause the value of investments to fluctuate. Past performance does not guarantee future results. Diversification does not ensure a profit or protect against loss.

***Alternative investments are speculative and involve a high degree of risk, including the possible loss of principal. These investments may be illiquid, subject to greater volatility, and involve higher fees than traditional investments. Alternative investments may not be suitable for all investors and re intended for investors who understand and can bear the associated risks.