Who We Work With | De La Torre Financial Group

Who We’re Best Suited For

We work with investors who approach their wealth with thoughtful, complex questions

If you have started wondering whether your current portfolio is genuinely built for the economic environment ahead—not just the one behind us—you are the kind of investor Ryan De La Torre, CFP® built this firm for. Our clients are often interested in monetary history and take an active role in understanding how and why their portfolios are structured.

A C-suite executive with concentrated equity exposure

Years of equity compensation, rising income, and heavy concentration in the same companies and economy Ryan believes may create a precarious financial position for you. The risk is not just in the portfolio — it is structural. We’ll help you build a plan to systematically reduce single-stock exposure, implement a covered call strategy to generate income while unwinding concentration, and establish a coordinated approach across investments, taxes, and long-term planning.

A tech employee sitting on a significant amount of RSUs

You may have done everything right by conventional standards: maxing contributions, vesting consistently, and watching your net worth climb alongside their employer's stock price. The problem was that nearly all of it was in one sector, in companies Ryan believes could be significantly overvalued. We’ll help you think seriously about what genuine diversification means when your salary, your bonus, your equity, and your career are all tied to the same outcome. And we’ll build you a portfolio designed hold up if the tech bubble deflates.

A couple in their mid-50s planning to retire early

You’ve built real wealth, but your retirement plan had been modeled in nominal terms. And nominal terms do not tell you whether you can actually afford the life you are planning. We’ll rebuild the analysis around purchasing power, not just portfolio balance. We stress-test your income strategy against real inflation scenarios, redesign your asset allocation to include a meaningful hard-asset position, and give you the clarity to make a decision you’ve been deferring for years. Retire on your terms with a plan designed for the world as it actually is, not as the models assume it will be.

A business owner planning their exit

After building a successful business over two decades, you may be about to become liquid in a significant way, in an environment where cash loses purchasing power and conventional bond allocations may offer less protection than they once did. We’ll help you evaluate exit structures, understand options for post-liquidity portfolio construction, and develop a plan built around what actually preserves wealth over time. Our goal is not just to help protect what you've built, but to support how a liquidity event may translate into long-term financial outcomes.

Let's discuss if we're the right fit

The investors who get the most out of working with us tend to share one thing:
they have started questioning whether the financial plan they have is built for the
environment they actually face. If that sounds familiar, a conversation costs nothing.

Schedule a private consultation

Frequently asked questions

Questions we hear most from investors who are ready to think differently about their financial future.

Most advisory firms build portfolios around the same assumptions: diversify across stocks and bonds. Ryan De La Torre, CFP® has spent over 20 years focusing on monetary cycles, currency debasement, and approaches that have historically been associated with wealth preservation. As an independent, fiduciary firm with no model portfolios and no corporate agenda, we build every portfolio by hand — grounded in monetary history, macro research, and a genuine conviction about what preserves wealth over the long arc of an economic cycle.
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. Ryan's research into monetary history and the mechanics of currency debasement has led him to include a meaningful precious metals allocation in every client portfolio as a core component of inflation-hedged, purchasing-power-conscious wealth management. This is an educational perspective, not a solicitation to buy any specific asset.
Keynesian economics holds that governments and central banks should actively manage the money supply to stabilize economies — which in practice often means printing more currency. Austrian economics holds that sound money, historically anchored in hard assets like gold, is the foundation of lasting prosperity, and that artificial monetary expansion always leads to inflation and eventual instability. Ryan's investment philosophy is rooted in Austrian principles — which shapes how he thinks about currency risk, inflation, and the role of hard assets in a resilient portfolio.
It depends on what you believe about the current valuation of the tech sector. Ryan's view — informed by decades of macro research — is that concentration in tech equities at current valuations represents meaningful structural risk, particularly for investors whose salary, bonus, and career trajectory are also tied to the same sector. We specialize in helping tech executives and employees think honestly about that exposure and build a plan that does not depend on everything going right at once.
No — but you do need to be curious and open to examining your options. Many clients come to us with questions and are interested in gaining additional perspective on monetary history and what it may mean for their financial plan. We approach our work with an emphasis on both education and guidance. We provide research, discuss historical context, and encourage informed decision-making. Clients who engage most in this process are often those who value understanding how their portfolios are structured.

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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 rrisk, 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 assocaited risks.