Personal Attention
We contact our clients as often as they want, usually quarterly, to review their financial situations and investment strategies – more often if their needs should change.
Napa Wealth Management Selected as One of The Most Dependable™ Wealth Managers of Northern California
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Questions?
Give us a call, we’re hear to help you.
Call toll free: 1.800.640.6013
We work with our clients as trusted partners, providing independent financial counsel and a wide array of sophisticated investment management, insurance, tax and accounting services normally reserved for large institutions and the very wealthy. Our family office services are a fully integrated financial resource offering convenience, reliability and peace of mind.
Investment Strategy
Timothy L. Ayles, our chief investment officer develops an investment strategy individually tailored to meet each client’s specific objectives. Our commission free investment management service concentrates on investing our client’s assets in essential business services that generate income now. We’re not trying to find the next “big thing”. In the current market climate we are interested in investing in established, well managed entities that provide goods and services that are needed in good times or bad.
Investment Process
Our goal is to create peace of mind through sensible investing. We do this by employing The Essential Services Income Model, our unique portfolio model process that is focused on creating dividend income that is not dependent on the performance of the stock market.
There are two different concepts: stock price investing vs. investing in a business.
Many investors buy stocks based on their price. Business owners buy businesses for their income.
Learn to invest like a business owner.
Buying the income stream
The key is to make sure you pay a fair price for the income stream. You’re not focused on the day to day value of your businesses (securities), as long as they are providing a consistent stream of income.
As the owner (investor) of businesses that are required to pay their profits to their investors, you can choose to reinvest the income for more growth or use the income to pay yourself. Does this mean we ignore growth opportunities? Of course not. We tailor each of our clients’ portfolios to their individual needs and we add growth oriented securities when and where appropriate. Client portfolio’s are made up of stocks, income trust, master limited partnerships (MLPs), exchange traded funds, open and closed end mutual funds and fixed income securities.
Insurance Services
Napa Wealth Management provides a wide array of insurance products, including life, disability and long-term care insurance, through partnerships with leading independent insurance agencies. Their independence, like ours, means we can find our clients the right products at the right prices to fit their needs.
Pension Plan Services
The firm employs its experience in pension plans to help businesses manage their pensions and 401(k) programs and to help individuals select investment options within company plans.
Tax and Accounting Services
Napa Wealth Management’s accounting, tax planning and preparation services are directed by James H. Riley, a principal in the firm, who is an Enrolled Agent (enrolled to practice before the IRS). Well versed in tax issues and accounting regulations, Mr. Riley also provides specialized tax planning services for retirement plan distributions.