Gerardo Garcia

Born and raised in Saigon, I moved to the U.S. alone at 16. Shortly after, my family’s business collapsed, and I became financially independent when I was still a teenager. That experience lit a fire in me—a desire to understand how money works, and how to use it to protect and empower the people we love. As I went deeper into the world of finance, spent over a decade working with leading private wealth management firms in California, I realized wealth isn't just about income or investments. It's about peace. It's about having choices. And it's about living a life that reflects who you are—not just what you’ve earned. Too often, we’re taught to chase someone else’s version of success. I’ve seen people climb hard, high, and fast—only to realize they were on the wrong mountain. That’s why I started Anora Wealth: to help people like you pause, get clear on your “why,” and build a financial life rooted in intention, not pressure. Today, I work with first-generation wealth builders, content creators, and women in transition to align their money with what matters most—so they can stop surviving, and start designing a life of clarity, calm, and confidence. Outside of work, I love learning new things, listening to podcasts, crafting, and spending time in nature. I stay active through boxing, cycling, hiking, tennis, and yoga. I’m fluent in Vietnamese, currently learning Mandarin, and know a bit of French.

I’m on a mission to inspire women to be more intentional with their financial choices and provide a place where they can learn and share – without judgment. I’ve been through divorce and death of loved ones, I’ve worked with hundreds of clients with unique financial situations. One thing hasn’t changed throughout my career – my commitment to providing personalized services to my clients to inspire their financial journeys. You’re a busy professional woman in the middle to later stages of your career (or maybe you’ve already retired!). You have a lot going on, but you want to make sure you’re making smart financial moves. Whether you’re the family CFO or not, you want to be treated with respect. You won’t be afraid to ask questions and learn what you don’t know. You’d like to find someone you can bounce ideas off of, to get help making financial decisions, or to delegate to an expert. Finances don’t have to be a drag. You probably are already in the habit of saving. You may be making a lot of money, but haven’t been intentional about what you’re doing with it. Throughout my career, I’ve been inspired by so many women who are doing amazing things in their professional lives. However, the traditional financial advice industry does not serve us well. ➡️Our plans need to account for income shortfalls due to the gender pay gap – leading to a lifetime of reduced savings opportunities. ➡️We may need to plan around periods of income plateaus due to caregiving responsibilities for children or parents – it’s important to be intentional about career choices. ➡️Women live longer than men and are often entering or experiencing retirement solo – this impacts all aspects of retirement income, taxes, and leaving a legacy.

At Astra Wealth Management, we provide personalized financial planning and investment management for individuals and families navigating financial complexity. We serve high-net-worth families and high-income professionals, including retirees, sales professionals, business owners, and multi-generational families who value thoughtful guidance and a long-term partnership. AWM is located in San Diego, California and serves clients across the nation. Our clients often come to us during pivotal moments—retirement, equity compensation events, business transitions, job changes, inheritance, or major lifestyle shifts. We specialize in helping clients make confident, informed decisions during these life-defining transitions. Our services include: • Comprehensive financial planning • Portfolio management • Tax planning • Estate and legacy planning • Equity compensation and business transition planning • Insurance & Risk Management As an independent, fiduciary firm, we focus on helping clients align their wealth with what matters most—offering clarity, confidence, and a plan built for the long term.

25+ years of working for hardworking folks in or quickly approaching retirement. →You will work with me as I value one on one relationships with my clients. →I only work with kind people who believe in delegating services to specialists. →My services work best for those with investable assets over $3,000,000 (excluding real estate). →My office is in Carlsbad, CA but I work with clients across the country. ☎️ You can schedule an Initial Consultation by texting INTRO to my office at 760-602-5091 or giving me a call. A little about me . . . ⛳️ aspiring bogey golfer 🧘‍♀️ hot yoga enthusiast 🇺🇸 grateful for this wonderful country of ours 🛫 avid traveler I offer one time financial planning engagements or ongoing, comprehensive services that include financial planning, investment management and tax planning. Here are just some of the topics I advise my clients on: ✔️Roth Conversion Strategies ✔️Net Unrealized Appreciation Strategies ✔️401(k) Rollover Planning ✔️Required Minimum Distribution Planning ✔️Social Security Planning ✔️Pension vs Lump Sum Analysis ✔️Exit Planning for Small Business Owners ✔️Asset Division After a Divorce ✔️Reinvestment of an Inheritance

Stephen Nelson is a Chartered Financial Analyst® (CFA) charterholder and CERTIFIED FINANCIAL PLANNER™ professional who has spent his career in the investment management and financial planning profession. He helps clients manage their portfolios and plan for retirement, legacy and lifetime goals. His desire to more personally serve clients led to the creation of Birchwood Capital in 2020. Stephen serves individuals and families throughout North County San Diego and across the country. Stephen received a Master of Science in Finance along with a B.B.A of Finance from the Cox School of Business at Southern Methodist University in Dallas, Texas. He also holds the Chartered Financial Analyst® (CFA) charter, CERTIFIED FINANCIAL PLANNER™ designation, and is a member of XY Planning Network. Lastly, he serves as a committee member for the Rancho Del Sol area of Young Life. Originally from Oregon, Stephen traveled to Texas to study business and play football. He and his wife met at school and now live in North County San Diego with their twin daughter and son, Rylynn & Brayden. Together, the Nelson’s enjoy spending time with each other and their extended family, having friends over, getting outside, cooking up a new recipe, watching movies, reading, and savoring each of life’s moments. Read Stephen's blog here: https://birchwoodcapital.com/writings/