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About · Capital Wealth

Independent counsel
for those who take
the long view.

Capital Wealth is an independent investment research and portfolio management practice based in Southern California, serving educators, public employees, affluent households in the energy and oil sector, and private-sector 401(k) rollover clients. Our role is to build the models, run the research, and design the portfolios used in client meetings — a fiduciary approach executed consistently across every household.

Est.
2011
Los Angeles
Assets Advised
$25M+
Discretionary & consultative
Households
180+
CA, NV, AZ, WY
Model Portfolios
24
Risk-tiered & thematic
Our Philosophy

A practice built on discipline, not on the story of the week.

Markets reward patience and punish improvisation. Our role is to remove the improvisation — to give each household a framework that holds up in volatility and compounds quietly in calm.

We do three things, and we do them well.

First, we plan. Every engagement begins with a written plan — cash flow, retirement income, taxes, insurance, estate, education, and major purchases. No portfolio gets built until we understand what it is being built for.

Second, we invest. Capital is allocated across 24 internally-managed model portfolios, ranging from Conservative Income to Aggressive Growth. Models are reviewed weekly and rebalanced on a defined discipline — not on headlines.

Third, we protect. A retirement plan without life, disability, and long-term care coverage is a plan with a trap door. We advise on insurance with the same rigor we apply to investments — and we disclose every commission.

Our Approach
Financial planning, made simple.
Every good plan starts with two questions — what are your goals, and when do you need the money? Get that center right, and every other decision (asset allocation, tax strategy, insurance, estate) cascades from it.
GoalHouse, retirement, kids’ college, legacy, a year off…
Time Frame0–3 yrs · 3–7 yrs · 7–15 yrs · 15+ yrs
Plan OutputA matched portfolio + tax + insurance strategy for each bucket.
Sean Anees SaifiFounder & Lead Advisor
Four Principles

What we will always do. What we will never do.

I.

Fiduciary duty, in writing.

On advisory accounts we act as fiduciaries under federal law. Our advice is disclosed, documented, and reviewed — never implied.

II.

Compensation, transparent.

Every fee, every commission. Disclosed on the first call, confirmed in the engagement letter, re-stated on the investment statement.

III.

No proprietary product pressure.

We are not captive to any insurance carrier, fund family, or platform. If the best answer is "leave it where it is," that is the answer you get.

IV.

Long relationships, not transactions.

Our average client relationship exceeds 8 years. We measure success in decades — in children educated and retirements funded, not in quarters.

The Team

Small by design. Senior on every call.

Boutique firms have one structural advantage the wirehouses cannot replicate: the person on the phone is the person making the decisions.

SS
Sean Anees Saifi
Founder · Lead Advisor
Sean leads client strategy across retirement income, pension maximization, and multi-generational planning. Fifteen years advising California educators through CalSTRS, CalPERS, and 403(b)/457(b) decisions, with a growing practice among affluent households in the energy and oil sector and corporate executives navigating 401(k) rollovers. UC Irvine alumnus. Specializes in the intersection of pension, tax, and insurance planning that most wirehouses treat as three separate desks.
Series 7Series 66CA Life & HealthCFP® Candidate
Y
Client Service Team
Operations · Planning Support
Our operations and planning analysts coordinate onboarding, beneficiary updates, transfer paperwork, annual reviews, and document retention. Every active household has a primary operations contact who knows the file — so nothing has to be re-explained. The operations bench is led by Diana, Ivonne, Laura, Luis, Sal, and Sara.
OnboardingReview CadenceCompliance
Who We Serve

Three kinds of households, one method.

01 · Educators

California teachers and school administrators.

CalSTRS members navigating 2%@60 vs. 2%@62, 403(b) rollovers, Social Security WEP/GPO offsets, and pension maximization strategies using life insurance.

02 · Public Employees

CalPERS members & first responders.

State, municipal, and safety employees planning around 2%@55, 2.5%@57, and 3%@50 formulas. Coordination of deferred comp, retiree health, and survivor elections before the retirement packet is signed.

03 · Private Workforce

Professionals, owners, and retirees.

Families consolidating 401(k)s, business owners designing defined-benefit or cash-balance plans, and retirees managing the decumulation decade — RMDs, Roth conversions, and legacy structures.

15
Years Advising
$25M+
Assets Advised
180+
Households
8.2
Yr Avg Tenure

Start with a conversation, not a pitch.

Fifteen-minute introductory calls. No obligation, no forms. We will tell you whether we are the right fit — and if we are not, we will tell you who is.

Schedule a Call View Our Services →