Certified Financial Planner® in San Diego

Since 2009, Imeson Wealth Partners LLC, led by Garrett Imeson, CFP®, has guided San Diego residents toward long-term clarity through fiduciary-based retirement financial planning. As a professional Certified Financial Planner® in San Diego, our work centers on retirement-focused strategies that coordinate income planning, tax efficiency, investment oversight, and wealth preservation. Each plan is structured to support the transition from earning years into retirement while maintaining financial stability and lifestyle continuity.

Our CFP®-certified fiduciary advisors act solely in your best interest, offering transparent, customized guidance without commissions or product incentives. As retirement financial planners, we help clients prepare for key retirement decisions, including income distribution planning, tax-aware withdrawal strategies, and portfolio alignment for long-term income needs. Whether preparing for retirement, refining tax-efficient investment structures, or managing assets during retirement, our process emphasizes discipline, accuracy, and collaboration.

At Imeson Wealth Partners LLC, retirement financial planning extends beyond projections and assumptions. The focus is on creating a durable, tax-aware retirement income framework that adapts as markets, tax rules, and personal circumstances change. Partner with a San Diego-based Certified Financial Planner® committed to preserving your assets and helping you address your financial goals with clarity and purpose.

Schedule your free consultation today, and let's start creating the plan you need to live the life you want

FREE CONSULTATION

Who We Are

Imeson Wealth Partners LLC is a San Diego-based fiduciary retirement financial planning firm built on professionalism, clarity, and long-term partnership. Founded by Garrett Imeson, CFP®, after 15 years in corporate financial advisory, the firm was created to give clients access to transparent fee structures, modern planning technology, and genuinely personalized retirement-focused guidance. The firm’s foundation supports competent advice designed to help clients prepare for and navigate retirement with confidence and structure.

Our mission is to help successful professionals protect what they have built, live with financial confidence throughout retirement, and give with purpose. We believe effective retirement financial planning goes beyond numbers and projections; it requires a clear understanding of goals, values, and the life each client wants to live in retirement. Every plan we design reflects a commitment to fiduciary care, thoughtful analysis, and long-term stewardship, allowing for guidance that remains practical, disciplined, and aligned with evolving retirement needs.

Garrett Imeson, CFP®

Founder, Financial Advisor

16 Years of Loving Service

Roxana Estrada

Sr. Client Service Partner

26 Years of Joyful Service

Why Choose Us for Qualified Financial Planning in San Diego?

Choose Imeson Wealth Partners LLC for retirement financial planning grounded in fiduciary responsibility, transparency, and accountability. As a Certified Financial Planner®, we act solely in your best interest, free from commissions, sales incentives, or hidden costs. Our client-first approach aligns retirement income strategies with your financial goals, delivered with clarity and integrity. With over 15 years of experience serving professionals across San Diego, our retirement financial planners provide specialized advice while supporting stable income and long-term financial confidence in retirement.

15+ Years of Specialized Retirement Expertise

Holistic Planning Approach

Strategic Roth Conversion Advice

Fiduciary Accountability & Independence

Transparent Communication

Local San Diego Guidance

Our Comprehensive Financial Services

At Imeson Wealth Partners LLC, we offer comprehensive retirement-focused financial planning and wealth management services in San Diego designed to reduce complexity and support long-term retirement outcomes. Our holistic approach integrates retirement income planning, tax-aware distribution strategies, portfolio oversight, and wealth preservation so that each financial decision supports your retirement objectives. Every service is delivered under fiduciary care, guided by disciplined analysis and a clear understanding of your retirement priorities before, during, and throughout retirement.

Financial Planning

At Imeson Wealth Partners LLC, financial planning is a personalized, retirement-focused process that transforms your goals into an actionable, long-term strategy. We begin by reviewing your current financial position, lifestyle priorities, and retirement timeline, then build a structured plan that adapts as your life grows. Through disciplined cash flow planning, goal setting, and retirement-oriented analysis, we help San Diego clients make informed decisions that balance current needs with future income sustainability. Every plan integrates investment, tax, and retirement considerations under one cohesive framework. Led by CFP® professionals, our retirement financial planning approach combines discipline and flexibility, keeping your financial roadmap aligned with your values and evolving retirement objectives.

Tax Planning

Tax planning at Imeson Wealth Partners LLC is an ongoing process designed to support long-term retirement efficiency rather than a once-a-year exercise. We review your income sources, investments, and retirement accounts to identify strategies that reduce tax exposure while improving after-tax retirement income. This includes techniques such as tax-loss harvesting, income deferral, capital gains management, and Roth IRA conversions, all tailored to your unique situation. Our CFP®-led approach integrates tax strategy directly into retirement and financial plans, maintaining regulatory compliance while optimizing results. The outcome is a smarter, more sustainable path to preserving wealth through every financial stage.

Cash Flow Management

Retirement cash flow management focuses on creating a predictable, sustainable income while balancing spending needs, tax efficiency, and portfolio longevity. We help clients structure income from Social Security, pensions, and investment accounts to support consistent cash flow throughout retirement. By reviewing fixed and discretionary expenses and coordinating withdrawal schedules, we help develop retirement income strategies that align with lifestyle priorities and long-term financial stability. Our role is to bring clarity and structure to how income is generated and distributed, helping retirees maintain control and confidence as financial conditions change.

Retirement Planning

Planning for retirement is about creating long-term financial stability and independence that can be sustained throughout retirement. At Imeson Wealth Partners LLC, we design customized retirement income strategies focused on sustainability, predictability, and tax efficiency. Each plan incorporates pension benefits, IRA and 401(k) assets, and Social Security income to create a coordinated withdrawal strategy that reduces tax exposure and supports wealth preservation. By modeling income forecasts and aligning financial decisions with lifestyle goals, we help San Diego clients transition confidently into retirement with a clear understanding of how their money will work for them. Beginning retirement planning earlier allows for greater flexibility, stronger tax positioning, and more control in shaping a retirement that reflects personal goals and long-term financial success.

Estate Planning

Preserving your financial legacy requires careful coordination and a clear understanding of your personal goals. Through our estate planning guidance in San Diego, we help clients preserve their assets and allow ‌their wealth to be transferred efficiently and in accordance with their wishes. By coordinating with estate attorneys and tax professionals, we assist in developing strategies that address estate tax considerations, beneficiary designations, and long-term legacy planning. Our role is to simplify complex decisions and provide clarity around how assets will support family members or charitable goals, offering reassurance that a retirement and estate plan remains structured with purpose and continuity.

Risk Management

Retirement risk management addresses the financial threats that can disrupt income stability, purchasing power, and long-term independence. We help clients identify and manage risks such as market volatility, longevity, inflation, healthcare costs, and unexpected expenses through coordinated planning. By aligning portfolio structure, income planning, and appropriate risk-mitigation strategies, we help build retirement plans that remain resilient across changing economic conditions. Our role is to reduce uncertainty and support financial continuity, providing confidence that retirement income and assets are conserved.

Wealth Management

Our wealth management services combine strategic investment oversight with retirement-focused financial guidance to support portfolios built for resilience and income continuity. We apply a disciplined, research-based process that incorporates asset allocation, retirement risk management, and relative strength evaluation to support consistent long-term outcomes. Each investment strategy is aligned with retirement objectives and risk tolerance, allowing ‌portfolios to remain positioned for changing market conditions and evolving income needs. As fiduciary advisors at Imeson Wealth Partners LLC, we emphasize transparency and accountability, helping clients in San Diego pursue durable retirement income through data-driven, disciplined decision-making.

Social Security Planning

Strategic Social Security planning is a core retirement income decision that directly affects lifetime cash flow, tax exposure, spousal income continuation, and long-term income reliability. Through our Social Security planning guidance in San Diego, Imeson Wealth Partners LLC helps clients evaluate benefit timing, spousal and survivor options, and the interaction between Social Security and other retirement income sources. By integrating Social Security benefits with retirement accounts, pensions, and tax planning, we help create financial strategies that support income consistency and reduce unnecessary tax exposure. Our role is to simplify complex claiming decisions and provide clarity around how Social Security fits into a structured retirement income plan designed for long-term stability.

Get To Know From Real Clients

Why Professional Retirement Planning Matters for San Diego Professionals

Professional retirement planning matters because it creates a reliable income, reduces tax inefficiencies, coordinates benefits, and preserves long-term financial security as professionals shift from earning a paycheck to relying on their assets. With multiple income sources, changing tax rules, and longer life expectancies, retirement decisions require structured planning, coordinated strategies, and disciplined oversight to help optimize income stability, tax efficiency, and asset growth throughout retirement.

Tax Optimization

Tax efficiency often determines how much retirement income is ultimately available to spend. Without a coordinated retirement plan, withdrawals are commonly taken without strategy, increasing lifetime tax exposure and missing opportunities such as Roth conversions or income sequencing. With a professional retirement plan, distributions are structured across taxable, tax-deferred, and tax-free accounts to help reduce taxes and support higher after-tax income throughout retirement.

Proactive Legacy

Long-term planning extends beyond retirement income to how wealth is ultimately transferred. Without a coordinated strategy, estate and beneficiary decisions can remain disconnected from retirement planning, increasing the risk of inefficiencies or unintended results. With professional retirement planning, income strategies are aligned with estate considerations to support efficient wealth transfer and clearly defined legacy goals.

Proactive Legacy

Confidence in retirement comes from knowing key risks and decisions are addressed proactively. Without a comprehensive plan, uncertainty around income sustainability, taxes, and future risks can create ongoing stress. With a well-structured retirement plan, professionals gain confidence that income, risks, and long-term strategy are actively managed and designed to adapt as circumstances change.

Income Confidence

Reliable income is the foundation of a secure retirement. Without a defined plan, income depends heavily on market performance and reactive withdrawal decisions, which can create uncertainty and increase the risk of early asset depletion. With a structured retirement income plan, Social Security, pensions, and portfolio withdrawals are coordinated to support consistent cash flow and greater confidence year after year.

Transparent Value

Clarity around advice and decision-making is essential in retirement. Without a fiduciary framework, guidance may be influenced by commissions or confusing fee structures, making it difficult to assess true value. With a fiduciary retirement plan, advice is delivered with transparency and accountability, allowing ‌our decisions to be driven by retirement objectives rather than product incentives.

Optimized Benefits

Retirement benefits represent a significant portion of lifetime income, yet they are often underutilized. Without professional planning, benefits such as Social Security may be claimed without full analysis, leading to permanently reduced income or overlooked spousal options. With a retirement plan in place, benefit timing and coordination are carefully evaluated, seeking to improve lifetime income and long-term outcomes.

Time Savings

Retirement planning involves ongoing decisions that can be time-intensive and complex. Without professional guidance, individuals often manage investments, tax considerations, and income decisions independently with limited coordination. With a retirement plan in place, analysis and monitoring are centralized, saving time while providing structured oversight and informed decision-making.

Elizabeth Hodgkins

"Garrett is so responsive and easy to work with. He listens and works to meet the clients needs, and preferences. Professional and knowledgeable, I strongly recommend him for anyone’s financial advice or management." (1)

Schedule Your Retirement Plan Consultation in San Diego

Instantly book your personalized retirement income planning consultation with Imeson Wealth Partners LLC today. With CFP®-led expertise, fiduciary guidance, and over 15 years of experience serving professionals across San Diego, we help you develop a plan that brings structure, purpose, and long-term financial confidence to your wealth.

From customized retirement income strategies to transparent, fee-based advice, every conversation is centered on your goals rather than product recommendations.

Don’t wait to start your journey toward your retirement future. Schedule your free 30-minute consultation today and discover how competent, fiduciary retirement planning can help you take complete control of income decisions, manage taxes more effectively, and move forward with greater confidence in your long-term financial direction.

Schedule your free consultation today, and let's start creating the plan you need to live the life you want

FREE CONSULTATION

Resources & Guides

Frequently Asked Questions

A Certified Financial Planner® (CFP®) is a board-certified financial professional recognized for meeting the industry’s highest standards of competency, ethics, and fiduciary responsibility. CFP® professionals complete rigorous education, examination, and ongoing ethics requirements established by the CFP Board. Unlike product-based advisors or brokers, a CFP® operates under a fiduciary duty, meaning every recommendation must serve your best interest, not commissions or company quotas.

Yes, we offer multiple pricing options, including flat-fee financial planning, assets under management (AUM) services, pay-for-service financial plans, and hourly rates, depending on the scope of work and client needs. At Imeson Wealth Partners LLC, we are transparent about how we are compensated and explain all fees clearly before any engagement begins. While we accept commissions in certain cases through our brokerage license and therefore do not represent ourselves as a fee-only advisor, our financial planning recommendations are delivered under a fiduciary standard, with compensation structures disclosed and aligned to the services provided.

No, our services are not limited to high-net-worth individuals. At Imeson Wealth Partners LLC, we work with a broad range of clients, typically current and former high-income earners with household incomes of $150,000 or more, who want to take a structured, professional approach to retirement planning. Our ideal clients include professionals, business owners, and retirees seeking fiduciary, tax-efficient planning to align their income, investments, and long-term financial goals. Regardless of where you are in your financial journey, our personalized guidance helps you plan confidently and can create lasting financial freedom.

Yes, we help clients implement tax-efficient investing by coordinating portfolio management, retirement income planning, and proactive tax strategies to improve after-tax outcomes over time. At Imeson Wealth Partners LLC, this includes strategies such as tax-loss harvesting to offset gains, capital gains management to control taxable income, income timing to reduce marginal tax exposure, and guidance on Roth IRA conversions when appropriate. These strategies are applied within the context of your broader retirement plan, considering account types, withdrawal sequencing, and long-term income needs. By aligning investment decisions with both federal and California tax considerations, we work to reduce unnecessary tax drag, support income sustainability, and help clients retain more of their wealth throughout retirement.

Blogs

What is Retirement Planning?

Retirement planning is a proactive financial process that evaluates income, assets, liabilities, tax exposure, and time horizon to design a long-term strategy for financial independence after full-time employment ends. Rather than focusing on one specific retirement account, retirement planning operates as an integrated system that coordinates savings, investment management, tax positioning, and income distribution to produce sustainable retirement cash flow. This structure a

Garrett Imeson, CFP®

1 day ago17 min read

How to Become a Financial Advisor?

Becoming a financial advisor involves earning a bachelor’s degree in finance, business, or a related field, passing required licensing exams such as the Series 7, Series 65, or Series 66, and gaining professional experience in the financial services industry. Many professionals further enhance their credibility by earning the CERTIFIED FINANCIAL PLANNER ® designation, which expands their knowledge in comprehensive financial planning. As candidates progress through these step

Garrett Imeson, CFP®

2 days ago18 min read

How Much Does a Financial Advisor Cost?

The cost of a financial advisor typically ranges from 0.75% to 1.5% annually for AUM fees, depending on the portfolio size and services provided. For those seeking specific advice or one-time services, hourly rates range from $200 to $400 per hour, and flat fees generally range from $2,000 to $10,000 per year. Financial advisor fees are determined by several factors, including the fee structure (AUM, hourly, flat, or retainer), the complexity of services, and the advisor’s ex

Garrett Imeson, CFP®

Feb 87 min read

Blogs

What is Retirement Planning?

Retirement planning is a proactive financial process that evaluates income, assets, liabilities, tax exposure, and time horizon to design a long-term strategy for financial independence after full-time employment ends. Rather than focusing on one specific retirement account, retirement planning operates as an integrated system that coordinates savings, investment management, tax positioning, and income distribution to produce sustainable retirement cash flow. This structure a

Garrett Imeson, CFP®

1 day ago17 min read

How to Become a Financial Advisor?

Becoming a financial advisor involves earning a bachelor’s degree in finance, business, or a related field, passing required licensing exams such as the Series 7, Series 65, or Series 66, and gaining professional experience in the financial services industry. Many professionals further enhance their credibility by earning the CERTIFIED FINANCIAL PLANNER ® designation, which expands their knowledge in comprehensive financial planning. As candidates progress through these step

Garrett Imeson, CFP®

2 days ago18 min read

How Much Does a Financial Advisor Cost?

The cost of a financial advisor typically ranges from 0.75% to 1.5% annually for AUM fees, depending on the portfolio size and services provided. For those seeking specific advice or one-time services, hourly rates range from $200 to $400 per hour, and flat fees generally range from $2,000 to $10,000 per year. Financial advisor fees are determined by several factors, including the fee structure (AUM, hourly, flat, or retainer), the complexity of services, and the advisor’s ex

Garrett Imeson, CFP®

Feb 87 min read

Case Studies

How a Retiring Couple Regained Confidence Around Retirement

Jerry and Betty came to my office on a casual afternoon in early 2011. They had just finished lunch nearby and were in the process of searching for a financial advisor. After speaking with my assistant they scheduled a meeting with me. They were not stressed or panicked. Yet they were not confident either. It was not immediately clear what they needed. I always approach new clients with an open mind. My focus is first on what is already working well in their situation. As I l

Garrett Imeson, CFP®

Feb 25 min read

Disclosures:

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

Asset allocation does not ensure a profit or protect against a loss.

This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.

1, 5, 6- This statement is a testimonial by a client of the financial professional as of 01/23/2026. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

2, 3 - This statement is a testimonial by a client of the financial professional as of 02/17/2025. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

4 - This statement is a testimonial by a client of the financial professional as of 02/26/2025. The client has not been paid or received any other compensation for making these statements. As a result, the client does not receive any material incentives or benefits for providing the testimonial. These views may not be representative of the views of other clients and are not indicative of future performance or success.

Certified Financial Planner® in San Diego

Who We Are

Why Choose Us for Qualified Financial Planning in San Diego?