Irvine Wealth Management: A Path to Financial Growth & Security
In Irvine’s fast-moving landscape, where professionals, entrepreneurs, and families pursue both financial growth and a balanced lifestyle—proactive wealth management has become increasingly important. Rising costs and evolving priorities make personalized wealth management strategies more relevant than ever.
At Cooke Wealth Management, we understand the unique challenges and opportunities of wealth management in Irvine.
As a family-owned firm serving Orange County for over 20 years, we are here to work with you to build and preserve wealth with clarity and purpose. Through values-driven guidance and a personalized approach, we stand beside you as trusted partners committed to helping you navigate life's financial journey with confidence.
Why Growth-Driven Wealth Management Matters
Families in Southern California continue to face economic headwinds—rising living costs, inflationary pressures, and unpredictable market shifts. For families and professionals seeking effective wealth management, these dynamics can present real challenges when planning for the future.
Why Tailored Strategy Matters
We aim to build financial plans that are purpose-driven and designed around what matters most to you. Your values, your goals, and your current life stage guide our recommendations. Tailored strategies focused on helping your wealth work efficiently.
With our process, we work to help clients:
Navigate changing economic conditions with confidence
Balance goals such as lifestyle, retirement, and legacy
Remain disciplined during market cycles
The Power of Disciplined Planning
Long-term wealth is not created through guesswork. It’s often built through thoughtful planning, consistent execution, and regular refinement. We work with you to develop a living plan that can adapt as your life evolves. Whether you’re in your early career or approaching retirement, disciplined planning can lay the groundwork for sustainable, generational growth.
Our Comprehensive Service Framework
As fiduciary advisors, our commitment is always to your best interests. We are not influenced by product quotas or sales incentives—our guidance is driven solely by what is best for you.
For families seeking to integrate faith with financial stewardship, we are also Certified Kingdom Advisors®, helping align your wealth management strategy with biblical principles. Learn more about our approach to Christian financial planning and how faith-based values can guide your financial decisions.
This foundation of trust and values shapes everything we do across four key areas of your financial life:
Financial Planning That Evolves With You
We aim to create dynamic strategies that change with your circumstances while maintaining focus on your long-term objectives.
Career Transition Planning - Whether you're switching companies, slowing down, or moving into retirement
Education Funding - Balancing 529 plans, investment accounts, and cash flow for private school and college expenses
Multi-Generational Strategies - Coordinating planning for young adults, peak earners, and retirees within the same family
Investment Management Built for Growth
We construct portfolios designed to build wealth over time while managing the risks that keep you awake at night. Our investment philosophy combines academic and economists strategies with personal attention.
Strategic Asset Class approach - Diversifying with low -cost index funds can provide broad market exposure while targeted asset classes pursue dissimilar price movement and specific opportunities
Tax-Aware Implementation - Seek to maximize after-tax returns through strategic fund placement and harvesting strategies
Regular Rebalancing - Maintaining target allocations while taking advantage of market volatility
Retirement Planning Beyond the Basics
Retirement in Orange County often requires substantial assets. Our comprehensive retirement planning services are designed to help you build income strategies that maintain your lifestyle while protecting against longevity risk, healthcare costs, and market volatility.
Tax-Efficient Withdrawal Strategies - Sequencing distributions may help minimize lifetime taxes
Social Security Optimization - Strategies to help make informed decisions about benefit timing
Healthcare Cost Planning - Helping you prepare for potential Medicare out-of-pocket expenses and long-term care costs
Estate and Legacy Coordination
Your wealth can influence future generations. When meaningful, we provide guidance to help facilitate a smooth transfer while considering strategies to reduce potential estate taxes and address family dynamics.
Trust Strategy Implementation - Working with your estate attorney to align trust structures with your overall financial goals
Charitable Planning Integration - Incorporating charitable giving strategies that align with your values and may offer potential tax advantages
Multi-Generation Planning - Helping families consider strategies to pass on wealth in ways that support the financial well-being of future generations
Personalized Planning Built Around You
We don’t take a one-size-fits-all approach. Our planning process is built around understanding you first. While you may hear us refer to our process as Discover, Build, Execute, the heart of it is this:
Discover – We begin with your story. Your background, your values, your unique definition of success. This phase allows us to listen and gain understanding into what you’re trying to accomplish before offering advice.
Build – Using what we’ve learned, we create a personalized strategy that can include planning, investment management, tax considerations , and more. This plan is structured, but flexible—designed to support growth while protecting what you’ve built
Execute – We walk alongside you as we implement the plan, make timely adjustments, and answer questions along the way. Life changes, and your plan should evolve with it.
We are always available to provide perspective, clarity, or a second opinion. Many clients reach out to us just to talk through a big decision. We welcome that. It's part of the ongoing relationship we value so deeply.
What Sets Cooke Wealth Management Apart
Many firms offer financial services. Not all offer the combination of relationship, personalization, experience, and integrity that we strive for every day.
What sets us apart?
Independent and Fiduciary – We are not tied to any product provider. We act in your best interest—always.
Local Understanding – We understand the financial realities of life in Southern California. From housing and education costs that shape major financial decisions to the career opportunities that make those costs worthwhile, we aim to design strategies that work for this specific market. Our local perspective can help us create relevant, realistic plans for our clients.
Generational Planning – We serve clients across multiple generations. Whether we’re helping grandparents transfer wealth, parents prepare for retirement or children start investing, our goal is to create continuity and peace of mind.
Faith as Foundation - For those who seek it, we offer the gift of aligning wealth with deeper purpose. Our planning and Christian financial advisory services weave biblical principles into financial planning—not as a constraint, but as a compass. Money becomes ministry, stewardship becomes sacred duty.
Transparent and Personalized – In an industry often shrouded in complexity, we aim to practice radical clarity. Our fees, our process, our reasoning are all illuminated by the simple belief that trust flourishes in the light of understanding.
Whether you’re looking for foundational planning or advanced wealth strategies, we meet you where you are and help you move forward with clarity.
Getting Started: Your Path Forward
Effective wealth management begins with understanding where you stand today and clarifying where you want to go. Our initial consultation explores your financial picture while helping you understand our approach and philosophy.
During this meeting, we'll:
Review your current financial situation and identify possible planning opportunities
Discuss your short-term needs and long-term goals
Explain our planning process and fee structure
Identify if our services align with your needs and preferences
There's no cost for this initial conversation, and no obligation to move forward. Our goal is to leave you with information needed to make an informed decision about your financial future. Schedule a Discovery Session today and take another step toward purposeful, lasting financial growth.
Frequently Asked Questions
What makes wealth management in Irvine different from other areas?
High living costs, multi-generational families, complex employment benefits, and California's tax environment can create unique planning challenges.
How do you charge for your services?
We operate on a fee-only model, typically charging a quarterly flat fee for our financial planning clients and a percentage of assets under management for investment management clients. This aligns our interests with yours—we succeed when your wealth grows. We also offer project-based planning for specific situations.
Do you require minimum account sizes?
While we work with clients across various wealth levels, our comprehensive planning model works best for families with investable assets over $750,000. This ensures our fees remain reasonable relative to the value we provide.
How often will we meet and communicate?
It depends on your needs. We’ll generally meet with planning clients quarterly or as needed. Most investment clients prefer annual reviews with additional communication throughout that year. . We're always available for questions about financial decisions, market events, or any life changes that might affect your plans.
Can you work with my existing advisors?
Absolutely. We regularly coordinate with CPAs, estate attorneys, insurance agents, and other professionals to help ensure your entire advisory team works together effectively.
Do you offer faith-based financial guidance?
Yes, our faith is a part of all we do. Our perspective, our values, and the principles don’t change. However, the level at which they are discussed depends on the client . For those seeking it, our Christian financial advisory services can help integrate biblical principles with sound financial planning.
*We recommend that you consult a tax or financial advisor about your individual situation.