Kc Trace

Welcome to Coffeehouse Capital! I’m the Founder and President of Coffeehouse Capital, an independent fee-only financial planning and investment management firm. I’ve been in the banking and Wealth Management industry since 2007, first with Bank of America, Banc of America Investments, then Merrill Lynch. As a CFP® professional and fiduciary, I now provide comprehensive financial planning, wealth management and financial advice to a broader population. With years of experience, my mission is to help build and manage wealth through comprehensive financial planning and education. I have experience serving busy professionals and families, current and future retirees and business owners. I am a CERTIFIED FINANCIAL PLANNER™ professional and Chartered Retirement Planning CounselorSM. Chartered Retirement Planning CounselorSM I work with clients in person in the surrounding central California area or virtually anywhere through the use of technology. Areas of experience include: 529 College Education Planning Assessing and analyzing current financial and life goals Asset allocation review, education and strategies Cash flow and retirement planning Creating and managing GOALs based financial plans Creating and managing GOALs based investment portfolios Digital asset education Investment education Levering and coordinating with other professionals (CPAs, EAs, Estate Planning Attorney’s, Insurance, etc.) Loss of loved ones Ongoing financial plan and investment monitoring Organizing for Financial wellness Reviewing and managing 401(k), 457 (b)s and traditional retirement plans It all starts with a conversation, let's connect!

I’m David Lyon, CFP®, EA, CEPA®, and I founded Lyon Wealth Advisory with one purpose: to help restaurant owners turn their business success into lasting personal wealth. I know firsthand how isolating and exhausting this industry can be. On the outside, your restaurant may look like a thriving success, but privately, the financial uncertainty weighs heavily. I’ve lived that reality myself as a restaurant owner, and it’s why I built a firm dedicated exclusively to serving this community. At Lyon Wealth Advisory, we don’t give cookie-cutter advice. We created The Restaurant Owner Wealth System, a specialized planning framework that addresses the unique challenges of hospitality entrepreneurs. We help you master cash flow, reduce taxes, build investment strategies around your preferences, and prepare for an eventual exit so you can protect what you’ve built. Our work goes beyond financial planning. We serve as an ongoing partner who understands how your business and personal life intersect. Whether it’s stabilizing income, evaluating real estate, coordinating with your CPA, or modeling the impact of growth or sale decisions, we bring clarity and confidence to every step. We operate as independent fiduciaries, flat-fee only, with no commissions or hidden agendas. Our mission is simple: to give restaurant owners peace of mind, protect their families, and help them build generational wealth.