Kaiyo Wealth LLC

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Client assets under management

$240,126,229

Clients

60% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$2,792,165

About

Kaiyo Wealth LLC provides ongoing discretionary portfolio management and tailored financial planning for individuals, high‑net‑worth individuals, and charitable organizations. The firm offers customized investment programs and project or one‑time financial plans that address areas such as retirement, tax integration, and insurance in the context of each client's overall situation.

The firm’s investment approach is grounded in modern portfolio theory and long‑term trading, but it also uses margin and options strategies and may engage outside managers to implement specific allocations. Kaiyo typically operates with discretionary trading authority, documents risk tolerances and client restrictions, and conducts regular portfolio reviews and monitoring.

Kaiyo manages roughly $240 million in discretionary assets for about 86 clients with a two‑advisor team, a scale of assets per advisor that is atypical for firms of this size. The firm recently transitioned to SEC registration and generally requires custody with major custodians (primarily Schwab or Fidelity, with occasional use of Altruist), practices that distinguish it from many peers.

Client services

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops

Expertise

Options & derivatives strategies Tax strategies for small businesses Retirement income strategy College savings (529s, UTMA, etc.) Debt management

Fee options

Percentage

$0 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.80% $5,000,001 - $10,000,000: 0.60% $10,000,001 - $30,000,000: 0.50% $30,000,001+: 0.40%

Other

Minimum fee: Financial planning minimum fee of $10,000 for a full comprehensive plan Fee-only: Fee-only compensation; no commissions received for securities sales

Main office location

Kaiyo Wealth LLC

3511 Camino Del Rio S, Suite 204

San Diego CA 92108, United States

Number of offices

Most active in

California · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn YouTube Website (858) 252-4403

Advisors at this firm

Matthew C

CFP®, Series 66

San Diego, CA

Kaiyo Wealth LLC

Matthew Cobas is a CFP® with nine years of industry experience currently serving as an advisor at Kaiyo Wealth LLC. His prior roles include positions at Origin Investment Advisory LLC, Mariner Wealth Advisors, and Wells Fargo Advisors. He also served five years in the United States Navy Reserves. Kaiyo Wealth LLC serves individual and high-net-worth clients as well as charitable organizations, providing discretionary portfolio management and comprehensive financial planning. The firm’s investment approach emphasizes Modern Portfolio Theory and tailored asset allocation, with a focus on ESG funds and the use of mutual funds and ETFs.

Options & derivatives strategies Tax strategies for small businesses Retirement income strategy College savings (529s, UTMA, etc.) Debt management

Jeremy K

CFP®, Series 66

San Diego, CA

Kaiyo Wealth LLC

Jeremy Kovacevich is a CFP® and holds a Series 66 license with 10 years of industry experience. He currently serves as an advisor at Kaiyo Wealth LLC, where he has worked since 2024, following a 12-year tenure at HoyleCohen, LLC. Kaiyo Wealth LLC serves individual and high-net-worth clients as well as charitable organizations, providing discretionary portfolio management and comprehensive financial planning. The firm employs a Modern Portfolio Theory-based investment approach with an emphasis on ESG funds and uses mutual funds, ETFs, margin, and options trading to implement tailored client strategies.

Options & derivatives strategies Tax strategies for small businesses Retirement income strategy College savings (529s, UTMA, etc.) Debt management

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