Our Approach

Our approach begins with getting to know each other. We ask questions to ascertain every prospective client’s financial needs to make certain we can provide the solutions they seek. For their part, our clients need to feel they have a good rapport with us and can trust us to work effectively with and for them. Our experience clearly tells us this must be a mutually beneficial working relationship for it to be successful.

Jeff Gilbert

CEO / Founder

Jeff Gilbert is the founder and CEO of Balboa Wealth Partners. He has more than 27 years of experience in the financial services industry as both an adviser as well as an executive level manager. Mr. Gilbert began his career with Shearson Lehman Brothers and built a successful advisory practice. He later spent over 13 years with Morgan Stanley as a branch manager supervising two offices with more than 75 financial professionals who managed $3.5 Billion of client assets and generated $32 million in annual revenue. Mr. Gilbert earned his B.A in Political Science from Arizona State University.
Email: jgilbert@balboawealth.com

Whitney Bryant

Director of Operations

Email: wbryant@balboawealth.com
Phone: 949-445-1450

Matt Beary

Matt Beary

Investment Advisor

Matt Beary specializes in providing comprehensive wealth management services to business owners, individuals, and families. By advising clients on a broad range of important financial decisions along with prudent asset management Matt enables his clients to enhance their overall financial well-being. Matt has earned the Certified Financial Planner (CFP) designation, is a Chartered Mutual Fund Counselor (CMFC) and a Certified Specialist in Planned Giving (CSPG).

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Email: mbeary@balboawealth.com Phone: 949-701-4455

David Birkett

David Birkett

Investment Advisor

After graduating from U.C. Santa Barbara, David Birkett began working in the securities industry in 1994 as a financial analyst for investment banking firms Cruttenden Roth and Hambrecht Quist, respectively. His role at H&Q evolved into sales trader for a private wealth management team before the firm merged with J.P. Morgan’s Private Bank. In 2002, David joined Merrill Lynch as Senior VP, Private Wealth Advisor in the Private Banking & Investment Group (PBIG), dedicating 15 years to the firm and rising to Managing Director, managing upwards of $3BN in assets for a range of global clients.

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With a 23-year foundation in finance, David was compelled to start his own private wealth firm, Bion Capital Partners, in 2017. He works closely with ultra-high-net worth individuals and family offices to develop comprehensive wealth management plans integrating trust and estate planning, investment management, concentrated stock strategies, and risk management/tax minimization solutions. David is personally dedicated to advancing client goals, responding to client needs, building long-term relationships based upon integrity, and delivering a comprehensive service model.

Dr. Thomas Breslin

Dr. Thomas Breslin

Investment Advisor

Thom Breslin, is a CERTIFIED FINANCIAL PLANNER ™, who has been professionally serving clients for over twenty years. His wealth of experience and knowledge in healthcare, technology and the financial services brings together unique insight and strength to the success of each client’s individual financial roadmap. His breadth of accreditation as a Financial Consultant, Certified Employee Benefit Specialist and a Certified Fiduciary best affords current and new clients the opportunity to maximize income in retirement from sudden wealth, employment, business ownership or a successful professional career.

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Thom and his team’s personal touch guide you through the challenges of the time and through all stages of planning in your financial life as family dynamics take course. His High-Net-Worth clients include professionals, business owners, corporate retirement plans along with its employees and current retiree’s. Thom loves spending time with his children, traveling to visit clients, playing baseball (especially Cuba), mountain climbing and hiking, birdwatching, music and meeting new and exciting people. Phone: 858-481-8840

R. Brooks Brydges

R. Brooks Brydges

Investment Advisor

Mr. Brydges has been an entrepreneur, economist and portfolio manager with over 20 years of experience and going as a Wealth Manager. He founded Nautical Wealth Management, LLC and Cardiff Capital Partners, LLC, as President of both to service business owners, family offices and high net worth investors.

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As a Financial Advisor he has provided personalized service and expert advice in all the areas important to a family’s significant estate and business needs including access to private, commercial and investment banking, lending, asset management, concentrated stock strategies, financial planning, philanthropic planning, trust and intergenerational wealth transfer planning. Mr. Brydges spent majority of his career with Morgan Stanley before going independent and Founding Nautical Wealth Management in 2013.

Cardiff Capital is a partnership of talented professionals focused on real estate development and consulting services for businesses including a Group Purchasing Organization (GPO) for the craft beverage industry. Mr. Brydges has sat on numerous boards over the years including Start Up Circle, as well as Vice President of the Board of Directors of both the Parkinson’s Association of San Diego (PASD) and San Diego Chapter of the American Parkinson’s Disease Association (APDA) where he was honored as the 2010 United Way Combined Health Agencies (CHA) Volunteer of the Year in San Diego.

A graduate of San Diego State University, he received a Bachelor of Arts and Sciences in Economics and is also a Graduating Founder of the world’s premier idea-stage accelerator and start up launch program, the Founder Institute.

In his free time Brooks is a competitive tennis player and enjoys snowboarding, basketball, and traveling to remote destinations around the world surfing. You can often find him spending time with his family, Golsa, Gavin, Brooklyn and Jordan at the world-renowned beaches right here in Encinitas.

Mr. Brydges holds his CA State Securities Series 66,65,63 and General Industry Series 31, 7 and 52 licenses and is an Investment Advisor Representative with Balboa Wealth Partners, INC, (RIA) and a Registered Representative with Chalice Wealth Partners, LLC (BD), Member FINRA/SIPC.

Finra Broker Check: https://brokercheck.finra.org

Michael R. Frager, ChFC, CLU, EA

Michael R. Frager, ChFC, CLU, EA

Investment Advisor

Chartered Financial Consultant (ChFC®), Chartered Life Underwriter(CLU®), Enrolled Agent (EA), Register Principal, Investment Advisor Representative
Education - B.A. Economics, U.C.L.A.; Chartered Financial Consultant- Huebner School of Business, The American College; Chartered Life Underwriter- Huebner School of Business, The American College

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Mr. Frager has worked in the financial services industry for over 30 years, and is certified to practice before the IRS as an enrolled agent. He has worked with large financial institutions such as Shearson / American Express, Prudential Securities and BA Investment Services, Inc., where he managed portfolios. From 2000 to 2010 he was President of his then independent RIA and Life Insurance firm Seahorse Capital, a holistic wealth management and retirement and estate planning firm. He holds securities registrations for the series 7, 24, 63 and 65 along with an insurance license (CA Life Insurance Lic. # 0638922). Phone: 858-777-3909

Cheryl Gruetzmacher

Cheryl Gruetzmacher

Investment Adviser

As a Financial Advisor, I am dedicated to helping my clients meet their financial needs. Whether you are planning your retirement, saving for your children‘s or grandchildren’s education, or looking to preserve your wealth, I can help. My mission is to help each one of my clients plan for a financial future in a way that best meets his or her goals. And my commitment doesn‘t end there.

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I am currently involved with the Women’s Club of Redondo Beach. Away from the office, I also enjoy bike riding on The Strand, cooking and planning family events. My husband, Martin and I live in Redondo Beach, with our children and grandchildren not far away.

Planning for Retirement
Whether you’re an individual seeking tax-deferred growth or a business owner wanting to offer employees an attractive benefit, I can help you navigate the complex choices available to you. I offer assistance with a full array of retirement plans, including IRAs and IRA Rollovers, Roth IRAs and conversions, Simplified Employee Pension (SEP) plans and Keogh plans, SIMPLE plans for small businesses, and 401(k), pension, and profit sharing plans.

Comprehensive investment planning
Making sure your wealth continues to work in support of the goals you have established takes careful planning. Such planning is not a single event – it is a process. As your life circumstances change, so must the investment strategies I use to stay on course toward meeting your objectives. This is why I work with you, one on one, to design investment strategies targeted to your specific needs and goals.

Estate Planning
I can work with you and your other professional advisors – including your CPA and attorney – to develop an estate planning strategy that is appropriate for your circumstances. Email: cgruetzmacher@balboawealth.com Phone: 609-751-7276

Kirk Hahlbeck

Kirk Hahlbeck

Investment Advisor

Kirk has over 28 years of trading experience during which he developed his investment strategy. Kirk has worked as an investment advisor and independent trader where he gained extensive knowledge of the technical and fundamental analysis of stocks, market forecasting and risk management.

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Kirk manages multiple portfolios for both institutional and individual accounts with diligent attention and continual analysis of fundamental, technical, market and economic trends to determine appropriate asset allocation. Away from the office, Kirk enjoys traveling, golfing, skiing and time with family.

Kirk is a registered investment advisor along with an insurance license (CA Life Insurance Lic. #0B67690). Email: khahlbeck@balboawealth.com Phone: 949-445-1582

Kozen Tsukamoto

Kozen Tsukamoto

Investment Advisor

Kozen Tsukamoto believes his past six years managing clients’ retirement portfolios and twenty years of analytical and project management experience in the aerospace industry are an ideal foundation for his work as a financial advisor. He is also experienced in owning and managing residential real estate.

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His philosophy in advising his clients is based on an understanding of their needs, suitability, current and upcoming economic and market conditions, retirement law, and using the best available resources and technology available. Kozen believes in the notion of investing for need, not greed and believes healthy returns are a by-product of this philosophy. He is licensed with a Series 66 and life insurance.

Kozen is a graduate of the University of California, Irvine with a B.S degree in Information and Computer Science and lives in Huntington Beach, California. Away from the business, he enjoys golf especially with regard to supporting his daughter’s competitive golf interests, surfing and spending time with his family and friends. He is involved with Kiwanis, the Center Club, and supports The Morrison Project non-profit to help seniors. Email: ktsukamoto@balboawealth.com Phone: 949.445.1590

Jeremy Tate

Jeremy Tate

Investment Advisor

Jeremy graduated from Utah Valley University with a B.S. in business management/finance. In 2011 Jeremy became an investment advisor with Edward D. Jones.

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He specialized in goal-based retirement planning and income and distribution planning. He then spent the next 5 years as a senior portfolio manager and partner of the Sierra Pacific Group at Morgan Stanley. He managed portfolios for high net worth and ultra-high net worth clients.  Jeremy’s background as an entrepreneur and business owner makes him uniquely qualified to work with business owners and their complex investment needs.  His area of focus is with business owners and retirees seeking current income. Jeremy has been a public guest speaker at UCSD for their retirement association on Social Security planning, Medicare, and retirement planning. He currently resides in Del Mar CA.

John Vilina

John Vilina

Investment Advisor

John has a wealth of experience in markets after working as a foreign exchange trader for both Goldman Sachs and Morgan Stanley in Tokyo, Japan. John graduated from Cornell University with a degree in Economics in 2010, and spent the majority of his early life abroad in Tokyo where he attended St. Mary’s International School. He is currently in the process of pursuing his CFP (Chartered Financial Planner) designation and focuses on providing comprehensive wealth management and consulting services primarily to business owners in the area. John is conversationally fluent in Japanese and regularly goes back to Tokyo to visit family and friends.

Jerry Zelko

Jerry Zelko

Investment Advisor

Jerry provides investment planning and wealth management services for successful families. His experience navigating through periods of major market shifts has helped him guide his clients towards achieving their goals.

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. He believes individuals can improve their investment results by utilizing the same investment strategies and processes as institutional investors such as endowments, foundations and other large investment entities.

These strategies include:

  • Defining clear investment goals, time horizons and risk tolerance levels
  • Employing risk management techniques
  • Maximizing portfolio diversification including the use of Alternative Investments where appropriate
  • Utilizing non-proprietary Money Managers with independent research teams who specialize in specific markets

He was born in Orange County, CA but the family moved to the Kansas City area where he grew up. Jerry’s first career was in restaurant and retail management. In 1987 Jerry went to work for Best Buy Co. While there he was the youngest General Manager in the national chain. He was responsible for the profitability of a 70,000 square foot retail location with more than 200 employees and $35 million in annual sales.

In 1997, he followed in his father’s footsteps and began his career as a Financial Advisor at PaineWebber/UBS. He was recruited to Wachovia/Wells Fargo Advisors in 2007 to operate a High-Net-Worth division within the firm. Wanting to access to more investment options and to distance himself from the scandals of the big banks and the large Wall St. firms, Jerry went independent in 2018 and partnered with Balboa Wealth Partners.

Jerry earned his B.S. from Azusa Pacific University and is a member of the Orange County Mensa chapter.  Jerry has authored articles for local publications, including OC Metro.

Away from work, Jerry enjoys international travel, having visited all 7 continents and over 50 countries.  Jerry is an avid photographer and he particularly enjoys practicing his photography skills when traveling. He is a passionate sports fan, enjoys playing softball and is an ardent mountain biker.

John A. Appleby, CFA

John A. Appleby, CFA

Portfolio Manager

Rockwood Investment Counsel, LLC was founded by CEO and Chief Investment Officer, John A. Appleby, CFA.

Having over 30 years of investment experience, John heads the firm and leads the investment effort. Prior to founding Rockwood, John was Chief Investment Officer and Senior Portfolio Manager at Dean Investment Counsel.

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John’s prior investment-related experience includes serving as a Senior Portfolio Manager and Analyst at Palley-Needelman Asset Management, Inc.

John earned his undergraduate degree in Finance from University of Southern California, and his MBA, with distinction, from the same university. He is a CFA® charter holder. John has been featured on Bloomberg radio and television. Phone: 858-461-4499

Bryan J. Goligoski

Bryan J. Goligoski

Portfolio Manager

With over twenty years of professional experience in a full range of market environments, Bryan Goligoski provides a unique investment perspective. He has worked in senior positions as portfolio manager for diverse strategies, securities analyst, and alternative investment specialist. His deep knowledge of the various sectors of the economy has come from years of experience in the field and with senior management.

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Bryan was an early advocate for liquid alternative investments. As practitioner, he was the portfolio manager for the Nuveen Equity Long/Short fund, NELAX, from its inception in 2009 through 2012. It was a top performing Morningstar five-star rated mutual fund.He has held senior roles at Strome Partners, Nuveen Investments, Mercer Advisors, Hatteras Funds and TCW. During that time, he has worked directly with leading traditional and alternative asset managers. Bryan is called upon often to articulate market movements and the economic impact on various sectors. He brings a deep depth of understanding to alternative investment strategies and the evolving nature of asset management.

Mr. Goligoski graduated from the University of California, Los Angeles. He currently holds series 7, 65 and 66 licenses and has served as trustee on the governing board of several public and private institutions.

Michael Power

Michael Power

Portfolio Manager

Mike has over 20 years of experience as both a portfolio manager and analyst as well as a prior tenure on the Fixed Income trading desk. He offers customized fixed income asset management soltuions. He holds undergraduate and graduate degrees (MBA) from Boston College where he was the starting quarterback on the football team in the late 80’s.

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Mike, as a CIO, is responsible for all the portfolio structuring and continued monitoring. Prior to founding Power Asset management in 2003, he was the Director of Fixed Income for Howard Capital Management and Fixed Income portfolio manager for TNC Genter in Los Angeles. The earlier part of his Fixed Income career was at Paine Webber in Los Angeles on the Fixed Income trading desk and Merrill Lynch in Boston as a financial consultant concentrating on Fixed Income Investing. Email: mike@powerassetmanagement.com Phone: 310-776-0407

Wade W. Slome, CFA, CFP®

Wade W. Slome, CFA, CFP®

Portfolio Manager

Prior to founding Sidoxia Capital Management, Mr. Slome served as Portfolio Manager on American Century Investments’ largest mutual fund, Ultra, from October 2002 through August 2007. As the senior Portfolio Manager on Ultra in 2007, Mr. Slome was responsible for day-to-day trading and marketing duties.

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Ultra at times exceeded $20 billion in assets and was among the nation’s top 10 Large Cap Growth funds according to the assets under management during his tenure. Mr. Slome also served as Portfolio Manager on the Select fund (Large Cap Growth) for a brief period after acting as Investment Analyst on Ultra, where he covered a broad set of industries from mid-1998 through mid-2002. Before joining American Century Investments, Mr. Slome worked as a Research Analyst at William O’Neil & Company, Inc. In addition to his CFA and CFP® credentials, Wade earned a master‘s degree in business administration with a concentration in finance from Cornell University (1998) and a bachelor’s degree in economics from the University of California, Los Angeles (1993).

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Jerry Jones

Jerry Jones

Director of Retirement Services

Balboa Wealth Partners has a fully integrated business retirement plan division, led by Jerry Jones and his team. Jerry has over 40 years of corporate retirement plan experience. His team consists of a Plan Administrator with over 20 years experience of plan administration experience.

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There is a Quality Control Officer with over 37 years of experience, who holds an ERPA designation (Enrolled Retirement Plan Agent). There is also a Client Relations Manager with 5 years plus experience. In addition to the above Ferenzy Benefits Team Carter, LLP is on retainer. This team is capable of designing, implementing, investing, and administrating all forms of business retirement plans: 401(k), profit sharing, cash balance, defined benefit, etc.

In his free time, Jerry enjoys the outdoors. Email: jjones@balboawealth.com

Lucie Dessert

Operations Manager / FSA Integrated

Email: dessert@fsaintegrated.com
Phone: 760-554-8688

The first step is always the hardest.

Balboa Wealth begins the investment process by seeking to fully understand your needs and objectives. Circumstances, priorities, and goals of each client are the priority. Clear financial objectives are then established for the preservation, accumulation, and perpetuation of assets tailored specifically to your needs.