Sean O’Connor, CFP®
Hi there! I’m Sean O’Connor, a Wealth Advisor from San Diego, California, specializing in income planning, tax management, life transitions, and other strategies for clients approaching or in retirement. My client's trust means everything to me. Whether it's cheering on their successes or counseling them during difficult periods, I love helping people navigate the complexity of financial decision-making.
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San Diego, California
“At the foundation of my client relationships is a comprehensive financial plan that includes a complete balance sheet, cash flow projections, and investment recommendations.”
How can I help?
Retirement Planning
Income Planning
Tax Optimization
We aim to take the ambiguity of tax planning by utilizing tax-reducing strategies that encompass your full financial picture. We do it by putting together a game plan that is specific to your personal tax situation and retirement income plan.
Investment Management
End-to-end investment management focused on tailoring portfolios to each client’s specific risk tolerance, tax situation, cash flow and liquidity needs.Our comprehensive approach will take into consideration all facets of your situation to give you the appropriate portfolios to execute your financial plan.
Monthly recaps on financial markets. Stay in the loop with Sean.
Get to know Sean
Sean O’Connor is a Wealth Manager in San Diego, California, well-versed across retirement planning, investment risk management, tax optimization, legacy planning, and other strategies for pre-retirees and retirees.
In 2008, Sean graduated from the University of Southern California with a degree in Economics. His career began supporting his parents’ retirement planning advisor, whose business was growing. During the financial crisis, Sean witnessed firsthand that individuals with a plan generally had better outcomes compared to others who didn’t have a plan and let emotions drive financial decisions. This experience solidified Sean’s approach as a voice of reason in times of uncertainty by simplifying the complexities around financial decision-making.
Outside of work, Sean is happily married with four children. He also loves staying active by hiking, mountain biking, playing beach volleyball, skiing, and playing classical piano.
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In 2008, I graduated from the University of Southern California with a Bachelor of Science in Economics. My parents’ retirement planning advisor had a growing business, so they gave me an opportunity to learn and support their business. During the financial crisis, I observed how many of our clients who had a plan in place tended to have generally better outcomes than individuals who let their emotions take over during financial decision-making. When I saw the impact I could have on clients' lives as a voice of reason during times of uncertainty, I knew I had found my career calling to help people navigate the complexity of financial decision making, especially in retirement.
At the foundation of each of my client relationships is a comprehensive financial plan, which includes three key components:
Balance sheet
I always begin by putting together a balance sheet of their current assets and liabilities to provide a full financial picture.
Cash flow projections
After establishing their balance sheet, I cover how much income the client needs to live their ideal retirement life. We discuss savings rates and income projections from sources like social security, rental properties, pensions, and beyond. Using this information, I’m able to solve for how much income a family will need from a portfolio during retirement. This ultimately leads to the next component, which involves what their portfolio should look like to achieve that income goal.
Investment recommendations
Similar to how doctors conduct a preliminary exam before making a diagnosis or prescribing medicine, I don’t talk to clients about investments until we have a comprehensive plan built. As a fiduciary, planning has helped build a strong foundation with my clients to properly discuss investments.
I primarily work with individuals and families who are approaching retirement or are already retired. For pre-retirees, I’m able to provide clarity for their financial picture and progress towards goals. For retirees, I’m able to provide peace of mind to clients who understand their money is being actively managed so they can live comfortably in retirement, without the fear of running out of money before they run out of time.
My favorite part about working with clients is the relationships and connections that I’ve built with them. I love the peace of mind my clients have knowing they have a plan in place, so they can focus on living their life, knowing that their money is being appropriately cared for.
My expertise spans many areas across retirement planning, including income planning, tax optimization, and legacy planning. I also hold expertise in pension options analysis, asset transfer strategies, social security timing, and Roth conversion strategies.
I enjoy the autonomy and authority Savvy provides to do what is in the best interest of my clients at all times.
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Meet and greet. Get to know each other and learn about the benefits of wealth management through Savvy.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Neither Savvy Wealth, nor Savvy Advisors compensates directly for testimonials or endorsements provided herein, by advisers. However advisors may have an indirect financial incentive to provide testimonials.
