Wealth Services
Investment management built around how money functions — and its risk factors
Most financial services look roughly the same from the outside: a menu of products, a risk questionnaire, a model portfolio. What makes De La Torre different is not the services we offer, it is the philosophy behind how we deliver them. Every strategy we employ starts from the same foundation: a genuine understanding of monetary history, purchasing-power risk, and what it takes to build wealth that holds its value across economic cycles, not just favorable ones.
WEALTH MANAGEMENT
Clear portfolio management for investors
Each portfolio is constructed and managed directly by Ryan, reflecting a clear point of view on markets, monetary dynamics, and long-term wealth preservation. Allocations are intentional—designed to adapt to changing conditions while maintaining a disciplined focus on purchasing power.
Hard assets are integrated where appropriate, with portfolios actively managed in response to evolving economic conditions.
Key Benefits:
Hands-on portfolio management with direct oversight of every allocation
Thoughtful integration of precious metals within a broader wealth strategy
Inflation-aware portfolio construction focused on real wealth preservation
Advanced strategies including direct indexing, covered call programs, and equity concentration unwinding
Ongoing macro research and portfolio adjustment, not a set-it-and-forget-it approach
PERSONALIZED FINANCIAL PLANS
A financial plan built around purchasing power, not just portfolio balance
Comprehensive financial planning at De La Torre starts with a question most plans skip: what is this wealth actually worth in real terms, and what economic conditions could threaten it?
Our Framework Process is designed to model your financial life honestly — accounting for real inflation, currency risk, and the macro environment — so the plan you build reflects the world as it is, not as the standard assumptions say it should be.
Key Benefits:
Income and retirement modeling in purchasing-power terms
Tax-efficient planning strategies coordinated across investments, income, and long-term goals
Equity compensation planning for executives and tech employees with RSUs, options, and ESPP
Scenario modeling that stress-tests your plan against inflation and currency risk
Ongoing plan review and adjustment as your situation and the macro environment evolve
LEGACY PLANNING
Protect and transfer wealth that has been built to last
Preserving wealth across generations requires more than documentation—it requires alignment between how wealth is built, structured, and ultimately transferred.
Working alongside Cetera’s Advanced Planning Team and Cetera's Trust Services, we help clients structure estate plans, trust arrangements, and wealth transfer strategies designed around the assets and philosophy that define how they have built, what they want to preserve, and their financial legacy.
Key Benefits:
Estate planning coordinated with your broader investment strategy and asset allocation
Trust structuring and wealth transfer guidance through Cetera's Trust Services
Charitable planning strategies for clients with philanthropic goals
Business succession and exit planning for owners transitioning out of their primary asset
Multigenerational wealth strategies designed to preserve purchasing power across generations
Not sure which service fits
where you are right now?
Most of our best client relationships started with a single conversation about one
specific concern — a concentrated stock position, a retirement timeline, an exit
on the horizon. We will help you identify where the most important work is
and what a first step looks like.
Frequently asked questions about our wealth services
Questions we hear most from investors evaluating whether our approach is right for them.
A financial advisor who focuses on precious metals does not simply add gold to a standard portfolio as a hedge — they build the entire investment philosophy around a different understanding of what money is and how it loses value. At De La Torre Financial Group, that means every portfolio is constructed with a meaningful hard-asset allocation from the ground up, informed by over 20 years of research into monetary history and currency risk. The goal is not to speculate on the price of gold — it is to build portfolios designed to preserve real purchasing power over time, including in economic environments where dollar-denominated assets underperform.
True diversification means holding assets that respond differently to the same economic conditions — not just owning many stocks instead of a few. A portfolio of US equities, US bonds, and dollar-denominated cash is not meaningfully diversified against dollar debasement, a broad market correction, or a sustained inflationary environment. At De La Torre Financial Group, we assess diversification in terms of real risk exposure — including currency risk, inflation risk, and concentration in assets that share the same macro vulnerabilities — and build portfolios designed to hold up across a wider range of outcomes.
From a sound money perspective, gold and silver are not simply "alternative assets" or inflation hedges of last resort — they are the historical benchmark against which the long-term value of fiat currencies has always been measured. Over centuries and across economies, hard assets have preserved purchasing power in ways that paper currency cannot guarantee. In a modern portfolio, a meaningful precious metals allocation serves as a structural counterweight to dollar-denominated risk — particularly relevant in an environment of sustained monetary expansion, rising debt levels, and growing uncertainty about the long-term stability of fiat currency systems. This reflects an educational perspective on monetary history, not a specific investment recommendation.
We do our best work with investors who have meaningful complexity — significant equity concentration, an upcoming liquidity event, a retirement timeline that needs honest stress-testing, or a genuine interest in building a portfolio around sound money principles. We are selective about who we work with not because of an arbitrary minimum, but because the depth of engagement our approach requires is not a fit for every investor. The best way to find out is to schedule a conversation and see whether there is a natural alignment.
Retirement projections may not reflect inflation's impact on purchasing power, planning should consider real, inflation adjusted outcomes. If you believe, as Ryan does, that the true rate of inflation is higher than official figures suggest and that the purchasing power of the dollar faces long-term structural pressure, standard retirement projections can significantly overstate your real financial security. We model retirement scenarios in purchasing power terms, stress test income strategies against inflation assumptions, and evaluate asset allocations in the context of seeking returns that may help support long-term cost-of-living needs, not just benchmark comparisons.
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See Who We Work With*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.