At WesCal Wealth, we believe lasting investment success comes from discipline, not predictions.

For families of wealth, true security means protecting and growing assets carefully across generations, with a steady focus on real value, patience through cycles, and a healthy respect for the unexpected.

Our investment philosophy stands on three essential pillars:

A foundation of stable income strengthens a portfolio in any environment.

We focus on investing in companies with long, uninterrupted histories of dividend payments — businesses that have proven their strength through recessions, inflation, and global uncertainty. These dividends not only provide reliable cash flow but also contribute meaningfully to long-term growth through reinvestment.

We focus on the underlying financial health of these companies, looking for those with stable revenues, strong balance sheets, and leadership positions in essential industries. Building an income-generating base requires a careful review of real business performance, not short-term market excitement.

Markets are unpredictable, but human behavior is consistent.

We use market volatility as an advantage — seeking high-quality businesses that the market has temporarily undervalued.

Rather than chasing trends, we invest in companies with durable advantages: brands, networks, customer loyalty, or innovation that lasts through economic cycles.

Evaluating these opportunities demands more than headline reading. We study financial histories, understand competitive positioning, and focus on businesses with leadership teams committed to long-term value creation. Growth is not bought at any price; it is earned through careful selection and patient ownership.

Growth is important — but preserving wealth is essential.

We build portfolios designed to withstand a wide range of future conditions, balancing investments across asset types to maintain strength through unexpected events.

When opportunities narrow or risks rise, we lean into higher-quality holdings and maintain a margin of safety, keeping portfolios resilient against surprises.

This requires ongoing discipline: ignoring the noise, rebalancing when necessary, and staying anchored to long-term goals rather than daily market moves.

Sustaining and growing wealth over generations requires clarity, consistency, and an unwavering focus on quality.

The level of analysis, judgment, and emotional steadiness needed to manage wealth well — year after year — is difficult to replicate without experience, structure, and full-time commitment.

At WesCal Wealth, we do this work with diligence and care, so that you and your family can stay focused on the opportunities that lasting wealth provides.

At WesCal Wealth, we work for you—not Wall Street. That’s why we’ve chosen to partner with both Altruist and Interactive Brokers, giving us the flexibility to serve a range of financial needs and preferences. Each custodian brings distinct strengths, and our clients benefit from being matched with the one that best supports their unique goals.

Altruist is a custodian purpose-built for independent advisors who value efficiency, clarity, and seamless technology. Their all-in-one platform allows us to open and fund accounts, manage portfolios, and handle reporting—all in one place. It's ideal for clients who prefer a streamlined experience and want their investments working quietly and efficiently behind the scenes.

Why we use Altruist:

• Commission-free trading and fractional shares for optimized portfolios
• Integrated tools for account management, billing, and performance tracking
• Clear, simple technology that puts your financial picture in focus
• Built by advisors, for advisors—with no retail conflicts

For clients with more complex needs—such as managing concentrated stock positions, implementing conservative options strategies, or maintaining trusts and multi-entity accounts—we use Interactive Brokers. It offers powerful capabilities for risk management, income generation, and strategic flexibility.

Why we use Interactive Brokers:

• Options strategies for hedging and enhancing income
• Support for sophisticated account structures (trusts, entities, international)
• Low-cost execution and flexible investment tools
• Global market access when appropriate—not just for reach, but for purpose

By working with two custodians, we aren’t tied to a one-size-fits-all solution. We’re free to make decisions based solely on what’s best for you—backed by platforms that support our fiduciary commitment and high-touch service model.

Learn More About Altruist  |  Learn More About Interactive Brokers