DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

The names on this page are hidden. Create a free account and they fill in. No card, and every figure, date and source on this page is public either way.

SEC-registered adviser

B••••• W••••• S•••••••••

Independent wealth managerSan Diego, CaliforniaCRD 170093SEC 801-119805websiteIAPD
Legal name S••••••• P••••••• • A••••••• S••••••• I•••
Latest filing Sep 15, 2026
First filing on the tape Oct 15, 2020 · 21 filings
SEC status approved since Nov 16, 2020
RAUM
$236M
reported, Item 5.F
Discretionary
100%
of RAUM
Private clients
97%
$228M individuals and HNW
Advisors
5
registered through the firm on IAPD
RAUM per advisor
$47.1M
derived; firm RAUM over IAPD count
Employees
8
4 advisory (5.B.1)
Offices
2
beyond the principal office
Private funds
0
reported on Schedule D
History
21 filings and snapshots on the tape
RAUM$236M as of May 5, 2026
Feb 11, 2021$116M then
HNW client RAUM$186M as of May 5, 2026
Feb 11, 2021$72.8M then
State-registered IARs (5.B.3)4 as of May 5, 2026
Feb 11, 20213 then
Employees (5.A)8 as of May 5, 2026
Feb 11, 20214 then
Private funds: no history
RAUM +28% over the last fiscal year+24% a year over threeIARs 4 to 4
Practice profile
derived from the filing of Sep 15, 2026; every figure names its basis
Archetypes, each a printed rule
  • HNW wealth manager · private-client share of RAUM at least 50 percent and HNW share of private-client RAUM 50 to 90 percent
RAUM per advisor
$47.1MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
46derivedindividual and HNW clients (5.D) over advisors
Average HNW client
$2.2MderivedHNW RAUM over HNW clients
Average account
$292,064derivedRAUM over accounts (5.F.2.f)
Discretionary
100%derivedof RAUM
Institutional
3.5%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
1.6derivedItem 5.A over advisors
Advisors per office
1.7derived3 offices incl. principal (1.F.5)
RAUM growth, one year
+28%derivedbetween the last two annual amendments
Advisor growth, one year
+0.0%derivedItem 5.B.3 between annual amendments
Client growth, one year
+8.5%derived
Compensation
percentage of assets, hourly, fixed feesreportedItem 5.E
Advisory activities
financial planning, portfolio management for individuals, portfolio management for businesses and institutions, pension consultingreportedItem 5.G
Custody
$9,224, 1 clientsreportedItem 9.A
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • receives research or other products from a broker-dealer, soft dollars (8.E)
  • compensates persons for client referrals (8.G.1)
  • compensates non-employees for client referrals (8.G.2)
  • has custody of client cash or bank accounts (9.A.1.a)
Where the RAUM sits
Form ADV Item 5.D, latest filing
  • High-net-worth individuals$186M79%
  • Individuals$41.7M18%
  • Pension and profit-sharing plans$5.7M2.4%
  • Charitable organizations$2.5M1.1%
Individual clients
145reported
HNW clients
84reported
Pension plan clients
n/areported
Charitable clients
n/areported
Accounts
807reported
Financial planning clients
101-250reported
Wrap fee programs
noreported
Custody of client assets
$9,224 for 1 clientsreported
Compensation
% of AUM, fixed, hourlyreported
Class basis
private_client_share=0.97 fund_share=0.0 institutional_share=0.03 related_bd=false related_bank=false bd_reps=0.0derived
Advisors registered through the firm
5 on IAPD today, longest tenure first
NameBranchHere sinceIn industryPrior firms
B••••• A•••• H•••••Certified Financial PlannerMechanicsburg, Pa Mar 23, 201722 y1
C•••••• B• M•••••••••Certified Financial PlannerSan Diego, CaMay 9, 202212 y0
J••••• S••• M••••••••Certified Financial PlannerSan Diego, CaJan 1, 202523 y2
D••••••• L•••••• L•••••Certified Financial PlannerSan Diego, CaJan 9, 202532 y1
A••• K•••• W•••••San Diego, CaJul 15, 202511 y0
Advisor movement
0 left, 0 joined in 12 months
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
  • H•••••• B•••••• A•••• · Chief Executive Officer, Chief Compliance Officercontrol
    since 09/2014 · owns 25% to 50%
  • L•••••• D•••••••• L•••••• · Presidentcontrol
    since 09/2014 · owns 25% to 50%
  • M••••••••• J•••••• S••• · Chief Financial Officercontrol
    since 12/2013 · owns 25% to 50%
Related persons
Schedule D 7.A
  • B••••• I•••••••• S••••••• I•••
    real estaten
  • B••••• A• H•••••
    investment companyy
  • S••••• A•••••••• L••
    investment advisernRAUM $1.9B
  • S••••••• C••••••••• G••••
    insurancen
Advisers that list B••••• W••••• S••••••••• as a related person
Office movement
IAPD branch city; joins and departures in 12 months
OfficeAdvisorsJoinedLeftTeams outForming
San Diego, Ca · principal500
Offices
Schedule D 1.F, the 25 largest
  • , 1 employees
What changed
consecutive filings, newest first
  • Financial planning clients · 101-250 to 101-250
    May 5, 2026 to Sep 15, 2026
  • Succession · false to unset
    May 5, 2026 to Sep 15, 2026
  • Other offices · 1 to 2
    Mar 10, 2026 to May 5, 2026
  • Accounts · 728 to 807
    Sep 24, 2025 to Feb 12, 2026
  • Advisory activities · 3 to 4
    Sep 24, 2025 to Feb 12, 2026
  • HNW clients · 61 to 84
    Sep 24, 2025 to Feb 12, 2026
  • Individual clients · 150 to 145
    Sep 24, 2025 to Feb 12, 2026
  • Assets in custody · $18,788 to $9,224
    Sep 24, 2025 to Feb 12, 2026
  • Employees · 5 to 8
    Sep 24, 2025 to Feb 12, 2026
  • Financial planning clients · 51-100 to 101-250
    Sep 24, 2025 to Feb 12, 2026
  • Other offices · 2 to 1
    Sep 24, 2025 to Feb 12, 2026
  • Discretionary RAUM · $184M to $236M
    Sep 24, 2025 to Feb 12, 2026
  • HNW RAUM · $130M to $186M
    Sep 24, 2025 to Feb 12, 2026
  • Individual RAUM · $46.6M to $41.7M
    Sep 24, 2025 to Feb 12, 2026
  • Pension RAUM · $4.9M to $5.7M
    Sep 24, 2025 to Feb 12, 2026
  • RAUM · $184M to $236M
    Sep 24, 2025 to Feb 12, 2026
  • Financial planning clients · 51-100 to 51-100
    Feb 7, 2025 to Mar 25, 2025
  • Accounts · 705 to 728
    Sep 23, 2024 to Feb 7, 2025
  • HNW clients · 59 to 61
    Sep 23, 2024 to Feb 7, 2025
  • Individual clients · 151 to 150
    Sep 23, 2024 to Feb 7, 2025
  • Assets in custody · $18,428 to $18,788
    Sep 23, 2024 to Feb 7, 2025
  • Employees · 8 to 5
    Sep 23, 2024 to Feb 7, 2025
  • Financial planning clients · 101-250 to 51-100
    Sep 23, 2024 to Feb 7, 2025
  • Discretionary RAUM · $152M to $184M
    Sep 23, 2024 to Feb 7, 2025
  • HNW RAUM · $111M to $130M
    Sep 23, 2024 to Feb 7, 2025
  • Individual RAUM · $34.4M to $46.6M
    Sep 23, 2024 to Feb 7, 2025
  • Pension RAUM · $4.0M to $4.9M
    Sep 23, 2024 to Feb 7, 2025
  • RAUM · $152M to $184M
    Sep 23, 2024 to Feb 7, 2025
  • Accounts · 578 to 705
    Jan 3, 2024 to Feb 16, 2024
  • HNW clients · 53 to 59
    Jan 3, 2024 to Feb 16, 2024
  • Individual clients · 144 to 151
    Jan 3, 2024 to Feb 16, 2024
  • Assets in custody · $28,540 to $18,428
    Jan 3, 2024 to Feb 16, 2024
  • Employees · 5 to 8
    Jan 3, 2024 to Feb 16, 2024
  • Insurance-licensed employees · 0 to 1
    Jan 3, 2024 to Feb 16, 2024
  • Financial planning clients · 51-100 to 101-250
    Jan 3, 2024 to Feb 16, 2024
  • Discretionary RAUM · $122M to $152M
    Jan 3, 2024 to Feb 16, 2024
  • HNW RAUM · $87.8M to $111M
    Jan 3, 2024 to Feb 16, 2024
  • Individual RAUM · $29.7M to $34.4M
    Jan 3, 2024 to Feb 16, 2024
  • Non-discretionary RAUM · $1.1M to $0
    Jan 3, 2024 to Feb 16, 2024
  • Pension RAUM · $4.2M to $4.0M
    Jan 3, 2024 to Feb 16, 2024
Signals
2 dated events
  • E••••• P••••• left B••••• W••••• S••••••••• for S••••• A•••••••• L•• (registered 2024-05-20)
    Jun 14, 2024 · Advisor changed firm · fact
  • B••••• W••••• S••••••••• filed its initial SEC registration (Form ADV)
    Oct 15, 2020 · First SEC registration · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
Firm profile
linkedin.com/company/better-planningreportedpublic record, Form ADV, Sep 18, 2026
Website
startbetterplanning.comreportedpublic record, Form ADV, Sep 18, 2026
Principal office phone
(619) 289-9670reportedpublic record, Form ADV, Sep 15, 2026
Provenance
Form ADV
SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
Advisors
IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
Class
Independent wealth managerderiveda rule over Items 5.D and 7.A
RAUM per advisor
$47.1Mderivedfirm RAUM over the IAPD count; not a book size
Loaded
Sep 14, 2026