Frequently Asked Questions
ABOUT BETA WEALTH GROUP
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Beta Wealth Group® is an independent, SEC-registered investment advisory firm with locations in San Diego, CA and also in Park City, Utah, providing institutional-quality wealth management and financial planning to families and individuals. The firm combines advanced quantitative investment techniques with personalized service, and partners with Beta Wealth Group® Tax & Accounting, PLLC to offer integrated tax and accounting services alongside investment management.
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We manage over $428 million in client assets, as of December 31, 2024. Our size allows us to operate across all major asset classes while delivering personalized, one-on-one service.
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No. We are a fiduciary, fee-only advisory firm. We do not receive commissions or third-party payments.
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Yes. Beta Wealth Group® is an independent RIA, meaning it is not affiliated with a bank, brokerage firm, or insurance company. This independence allows the firm to provide unbiased recommendations without conflicts of interest that can arise in wirehouse or captive advisor models.
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Yes. BWG is registered with the U.S. Securities and Exchange Commission (SEC). Our Form ADV is available at adviserinfo.sec.gov.
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Yes. As a registered investment adviser (RIA), Beta Wealth Group® is held to a fiduciary standard, which means the firm is legally obligated to act in clients' best interests at all times - not simply recommend "suitable" products as broker-dealers are permitted to do.
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Beta Wealth Group® is headquartered in San Diego, CA with an additional location in Park City, Utah, and serves clients throughout California, Utah and nationwide.
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Yes. While Beta Wealth Group® is headquartered in San Diego with an additional office in Park City, Utah, the firm serves clients nationwide.
BECOMING A CLIENT
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New clients usually have a minimum of $1 million in investable assets. However, we also work with high earners who are working towards that amount, referrals from current clients, and those who expect significant future assets.
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Most strategies are open to all clients. However, access to private investments through our White Glove Service requires you to be an accredited investor or qualified purchaser, depending on the deal.
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We charge an annual advisory fee ranging from .75% - 2.00%, based on assets under management.
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Beta Wealth Group® charges a fee based on assets under management (AUM). Our tiered fee structure offers our services based on that amount, with the majority of our clients paying around 1%.
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Strategy-level costs (e.g., ETF or mutual fund fees) range from 0.85% to 2.25%, depending on portfolio complexity.
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Total cost = Advisory Fee + Strategy Costs.
Example: A client paying 1.00% advisory + 1.25% strategy = 2.25% all-in fee.
SERVICES & INVESTMENT STRATEGY
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Beta Wealth Group® applies institutional-grade quantitative and technology-driven investment tools that are typically available only to large pension funds and endowments. This includes tactical and strategic forecasting, global investing and private markets access, systematic portfolio optimization, options overlay strategies, and tax-managed trading - delivered with a personalized, client-specific service experience.
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We offer investment management, financial planning, estate and tax strategy, charitable giving solutions, and access to private markets.
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Beta Wealth Group® offers a range of proprietary investment models spanning public and private markets, including Beta Income® (capital preservation and income), Beta Balanced® (blended income and growth), Beta Growth® (long-term capital appreciation), and Beta High Growth® (high-growth strategies). Private market access and alternative investments are also available for qualified clients, as well as options strategies to hedge risk and generate income.
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We blend macroeconomic forecasting with bottom-up selection of funds, stocks, and managers. Portfolios are optimized using quantitative tools to balance return, risk, cost, and liquidity.
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Yes. Portfolios are monitored on a regular basis and rebalanced based on changes in market conditions, risk forecasts, or client needs.
OPTION OVERLAY STRATEGY
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We use cash-secured puts and covered calls to generate income and enhance tax efficiency. This strategy complements your core portfolio and is designed to manage risk while seeking to enhance income.
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The strategy is designed to manage risk, though all investments involve the possibility of loss. We only use conservative, non-leveraged positions that are fully cash-secured or covered. Assignment risk is closely monitored and managed.
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The strategy has historically generated 8–10% annualized income, depending on volatility and positioning.
Past performance is not indicative of future results. Actual client returns will vary and may be lower or higher depending on market conditions and individual circumstances.
ESG & VALUES-BASED INVESTING
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Yes. ESG (Environmental, Social, and Governance) investing strategies are available for clients who want their portfolio to reflect their values alongside their financial goals.
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Absolutely. We support both standard ESG screens and personalized values-based exclusions.
TAX & ESTATE PLANNING
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Yes. We work with your tax advisor to seek ways to minimize taxes. Our Tax Management Service includes:
Tax-loss harvesting
Strategic lot selection (HIFO)
Capital gains minimization
Option overlays for appreciated positions
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Yes. We coordinate asset location across taxable, IRA, Roth, and trust accounts to minimize taxes now and in the future.
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Yes. We help design charitable plans using donor-advised funds (DAFs), appreciated stock donations, and legacy gifting.
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Yes. We work with your estate attorney to implement trusts, gifting strategies, and intergenerational planning.
PRIVATE MARKETS
“WHITE GLOVE SERVICE”
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This service offers access to vetted private deals in real estate, infrastructure, and growth equity—typically reserved for institutions or ultra-high-net-worth investors.
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You must be an accredited investor or qualified purchaser, based on SEC definitions. We help verify eligibility as part of onboarding.
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Minimums: $100,000+
Target IRR: [8–14%]
Lockups: [3–7 years]
Deal Flow: [3–6 opportunities/year]
Target IRR figures are estimates provided by the sponsor and are not guarantees. Actual results may differ substantially and involve risk of loss, including the loss of principal.
MARKET THEMES & MACRO RISKS
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Tariffs and trade risks are accounted for in our models. We reduce exposure to sensitive sectors or hedge with options when risk rises.
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We actively monitor proposed legislation and can adjust strategies like Roth conversions, capital gain harvesting, or estate planning as needed.
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Our models respond to volatility, energy prices, and credit spreads—not headlines. We adjust exposure based on data, not emotions. No strategy can guarantee against market decline.
CLIENT EXPERIENCE & OPERATIONS
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Weekly market insights
Quarterly performance reviews
As-needed updates during market moves or life events
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Not always. If your current custodian is compatible with our systems, you may keep it. Otherwise, we will assist with the transition.
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You will have access to a secure online portal with performance, allocation, and tax reports, plus account statements from your custodian.
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Yes. We use bank-level encryption, multi-factor authentication, and comply fully with SEC cybersecurity and privacy regulations.
COMPETITIVE ADVANTAGE & OBJECTIVITY
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No. As a fee-only RIA, Beta Wealth Group® does not earn commissions from product sales, which eliminates a common source of conflicts of interest in the financial services industry.
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No. We are not tied to any fund family or restricted product shelf. We can invest in any vehicle, manager, or strategy we believe is best for your goals.
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Our fee is based on AUM, meaning we only succeed when you grow. We have no incentive to sell products, trade excessively, or recommend anything misaligned with your goals.
Beta Wealth Group (“BWG”) is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. The information above is for informational purposes only, does not constitute investment advice, and should not be relied upon to make any investment decisions. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal. Any target returns or projections are estimates only and are not guarantees. Private market investments are illiquid, speculative, and involve a high degree of risk. Clients should consult their own tax, legal, and financial advisors before making any investment decisions.