Wealth Engineering, LLC
6619 N. Scottsdale Rd.
Scottsdale, AZ 85250
Glendale Office:
20325 North 51st Avenue
Suite 134
Glendale, AZ 85308
Principal - David J. Fernandez, CFP®
David has over fifteen years experience in the financial planning and investment advisory industry. He is the founder of Wealth Engineering, LLC, a Fee-Only Registered Investment Advisor Firm in Scottsdale, Arizona.
David graduated from Arizona State University with a Bachelors degree in Finance. He completed his Financial Planning Certificate from the College of Financial Planning in Denver, Colorado and has passed the board examination earning the Certified Financial Planner (CFP®) designation. David has also completed numerous NASD and regulatory licenses.
Prior to founding Wealth Engineering, LLC, David was an Investment Manager and Financial Planner with The Vanguard Group, where he managed over $80 million in total assets for a wide range of high net worth individuals and families.
David is considered an expert in his field and has been widely quoted in various national and local media such as: The Wall Street Journal, Money Magazine, MSN Money, Business Week, Dow Jones Market Watch, The Arizona Republic,
Index Universe, Research Magazine, Financial Advisor Magazine and Investment News.
David is a member of the National Association of Personal Financial Advisors, a former director and current member of the Financial Planning Association, and a member of the Central Arizona Estate Planning Council.
Our Fee-Only Firm
At Wealth Engineering, we build financial peace of mind. We provide customized investment management, retirement planning and financial planning tailored to each client’s unique financial goals.
Our Financial Planning and Investment Management Services
Whether you are building assets for the future - or seeking to protect, enjoy, and pass on those you already have - Wealth Engineering is ready to help with sound, professional advice. We have created a detailed and disciplined process to help us bring all areas of your financial life together into an actionable plan for us to help you obtain long-term financial success.
Your financial objectives may include:
- Creating and preserving personal wealth
- Increasing your peace of mind
- Maximizing wealth transfer
- Minimizing the risk of financial catastrophe
- Protection against inflation
- Providing for a child's education
- Reducing tax burdens
- Securing retirement income
Our services to help you reach your goals include:
Asset and investment management- Retirement planning strategies
- Cash-flow expense planning
- College funding strategies
- Estate planning
- Analysis of insurance needs
- Long-range and life-style planning
- 401K rollover strategies
Our services are well suited for individuals with investment assets of $750,000 or greater.
Our Investment Philosophy
Capital Preservation – A primary focus when managing your portfolio is to minimize your exposure to losses. We believe the markets are efficient, but at times can also be irrational. Therefore, we seek to avoid asset bubbles.
Take on Only Enough Risk to Meet Your Goals – We believe clients should only take on enough market risk (stock risk) to meet their financial goals. Unnecessary risk exposure will lead to negative surprises when the markets take a downturn causing one to potentially abandon their long-term strategy.
Asset Allocation – The majority of your return and the amount of volatility you will experience is driven by your mix of stocks vs. bonds in your portfolio.
Global diversification – We are in a global economy. We believe in holding assets in many developed and emerging economies around the world.
Costs matter – We highly recommend the use of low cost, tax efficient, index mutual funds and ETFs.
Why Should You Work With Us?
The distinguishing factors that should cause you to consider Wealth Engineering are the following:
1) We take a "fiduciary oath" that requires us to manage your affairs as if your money was our money.
2) We are "Fee-Only". This means we do not sell any commissioned financial products. We will only provide advice that is 100% objective and in your best interest.
3) Your advice will always be provided by the Principal of the firm, David Fernandez. We leverage technology to provide a high touch, individualized experience for our clients.
4) Our total expense ratio for managing money and providing ongoing financial planning advice is approximately half of the fee that you would be charged at most brokerage firms and many Investment Advisory firms.
Thank you for your inquiry!
NAPFA: The National Association of Personal Financial Advisors is the nation’s leading organization of Fee-Only comprehensive financial planning professionals.
Please be aware that Wealth Engineering, LLC has a portfolio minimum of $1,000,000 to accept inquiries through this directory.
