Tosh McIntosh

First Vice President, Financial Advisor, Family Wealth Advisor

Contact Me
Tosh McIntosh

MY MISSION STATEMENT

Helping clients realize their heart goals – for more than 30 years.

My Story and Services

My Story

With so many Financial Advisors to choose from, what I believe distinguishes me from the rest is how I help my clients to be prepared for whatever the future may bring.

First, let me share a bit of my background. My father died when I was young, leaving my mother and me in a very difficult situation. With no insurance or cash reserves, my mother’s dreams were dashed, creating significant hardship for us. I witnessed first-hand the trauma that a lack of planning can create and knew there had to be a better way. This experience has led me to insist that all of my clients start with a plan, so that their families can avoid the challenges my family experienced.

A plan that covers the details and contingencies is one of the keys to giving you the confidence that comes from being prepared. First, we start with a solid understanding of your big picture as well as the details. That leads to another area where I believe I’m different—the quality of interaction I have with our clients. This involves time spent listening to your needs and concerns, gathering information about you and your family, and talking about your goals and expectations, and your emotional as well as your financial needs. Helping you and your family be prepared is my most important concern.

To learn more about my day to day activities, please be sure to visit the "From My Desk" link below. It holds my recent articles and event invitations.

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Services Include

  • Lending Products
  • Cash Management
  • Estate Planning Strategies
  • Fixed Income
  • Professional Portfolio Management
  • Retirement Planning
  • Sustainable Investing
  • Trust Services*
  • Wealth Consulting
  • Wealth Management

BM/Supervisor; Securities Agent: AZ, CA, CO, DE, FL, GA, HI, ID, IN, KY, MA, MD, MI, MN, MO, MS, MT, NC, NJ, NM, NV, NY, OH, OR, TN, TX, UT, VA, VI, WA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures

NMLS#: 1272787


Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck.

Location

Location

  • 4350 La Jolla Village Dr
  • Ste 1000
  • San Diego, CA 92122


    Experience

    Experience

    With a degree in business administration and marketing from California State University, Long Beach, I began my financial services career at the firm formerly known as Shearson. Joining Merrill Lynch in 1988, I eventually became manager of their La Mesa branch. Then in 1998, I moved to Smith Barney (now Morgan Stanley) to focus solely on helping our expanding community of clients achieve their financial goals and dreams.

     


    Working With You

    Working With You

    Inspired by a desire to help other families sidestep the financial hardship my family endured when we lost my father at a young age, I have dedicated my thirty-year career to helping our clients plan for a successful future, whatever that future means to them, as well as prepare for life’s unexpected events that could turn that future upside down.

    I believe that the investment process must begin with a written financial plan that focuses on your specific needs and goals. Recommendations are then customized based upon your situation, risk comfort level, tax considerations and market conditions.

    I also believe in preserving wealth through asset allocation with individually customized portfolios. Preserving what you have, while still accomplishing your distinct financial objectives, is my primary goal.

    Investors’ emotional reactions to market events can lead to bad decisions. I will help you manage emotions through appropriate strategic and tactical asset allocation recommendations, and provide thoughtful and thorough reviews with rebalancing suggestions when appropriate.

    To learn more about what to expect when working together, please select and read from the links below:

    How Am I Different          Investment Philosophy          Client Advice Process





    Our Clients

    Clients

    Family Wealth Advising and Preparing for Family Transitions:
    Our clients are successful people who are committed to securing the best possible future not just for themselves, but also for their loved ones. They want to consolidate and simplify their financial lives by delegating responsibility to a trusted advisor and team, who will guide and support them every step of the way, through all their various transitions.

    Encouraging and Engaging with Women Investors:
    As a son to a widowed working mother and a father to two adult daughters, my heart is for helping women successfully plan and achieve financial independence. My team is geared to helping reach out to the specific needs of women in all areas of life with various relationship designations: unmarried or married, widowed or divorced, homemakers, working professionals and retired.

    Events

    Events

    Family

    Creating customized financial strategies for the challenges that today's families face.

    • Estate Planning
    • 529 Plans / Education Planning
    • Long Term Care Insurance
    • Trust Services and Accounting

    Business Planning

    Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Corporate Pension Funds

    Retirement

    Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

    • 401(k) Rollovers
    • IRA Plans
    • Retirement income strategies
    • Annuities

    Philanthropy

    Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.

    • Endowments
    • Foundations
    • Donor Advised Funds
    • Impact Investing

    Investing

    Working closely with you to guide your wealth and investments through the most challenging market cycles.

    • Asset management
    • Traditional investments
    • Alternative Investments
    • Impact Investing

    Ready to start a conversation? Contact Tosh McIntosh today.

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