About
Wes Obana
Principal Advisor & Author | NSSA®, Certified IRMAA Professional, Certified Retirement Coach
License #s CA 0B42787
With over 20 years of experience in the financial services industry, my philosophy has always been simple: Retire with a plan, not a product. It is a conviction so core to my practice that I wrote the book on it—authoring The Fiduciary Standard: Supercharging Retirement with a Plan, Not a Product. Too often, traditional retirement planning focuses on selling financial vehicles rather than building a comprehensive strategy. By aligning my practice with Altitude Capital Management to provide the highest fiduciary standard for my plans, and collaborating with Whitney & Associates, I ensure that your best interests always come first.
My mission is to educate the public on how to effectively maximize Social Security income and minimize taxes on hard-earned retirement assets. Backed by specialized designations as a National Social Security Advisor (NSSA®) and a Certified IRMAA Professional, I help clients navigate complex distribution strategies and protect their wealth from unexpected Medicare tax surcharges.
However, a truly successful retirement is about more than just the numbers. As a Certified Retirement Coach, I firmly believe that the math is simply the engine that drives your vision. True planning is about lifestyle design—giving you the financial clarity to confidently pursue your passions.
When I’m not helping clients optimize their retirement blueprints, you can usually find me enjoying the Southern California outdoors—either logging miles on my bike or surf fishing along the coast. And as a lifelong local sports fan, my ultimate loyalty belongs to the ice. Go Kings Go!
There are various reasons why many individuals tend to delay creating their financial plans. Some may be fearful of making decisions, others may lack knowledge in the subject matter, and some simply believe that everything will magically work out and nothing bad will ever happen to them. However, it is important to recognize that unexpected events such as market volatility, inflation, economic turmoil, or a loved one falling ill or even passing away can and do occur.
At YRS Advisors, our mission is to provide you with the confidence and peace of mind that comes from having a well-designed strategy in place. Our aim is to guide you and protect you from common pitfalls, ensuring that you are prepared for any situation that may arise.
- 90% Strategy
- 10% Financial Tools
The financial industry today has a fundamental flaw: advisors tend to prioritize product-focused solutions over essential components of one’s overall financial and personal well-being. This approach does a disservice to retirees like you. YRS Advisors, has recognized these gaps and inefficiencies through years of professional experience and personal loss. We has created an integrated solution that addresses:
Income Planning
Growth Planning
Tax Planning
Healthcare Planning
Estate Planning
Non Financial Planning
At our firm, we believe that living a “rich life” in retirement goes beyond financial wealth. Our advisor-coaches take an integrated approach to help you determine what you truly desire from your money during retirement, and then develop a plan to help you achieve those goals. Their objective is not to sell products, but rather to assist you in creating a fulfilling life and aligning your strategy accordingly. In addition to our comprehensive planning approach, we also make financial planning simpler and more streamlined through proactive and transparent client communication. We want to ensure that you are well-informed about any decisions or updates to your plan, empowering you to make confident and informed choices.
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