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Peter Cacioppo

Servicing financial needs of high net worth and/or high income individuals in the San Diego area

Eagle Hill Wealth Management

La Jolla

CA

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
    • -Other Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients
    • -Other Portfolio Management
  • Accounting & Tax
    • -Tax Advice
    • -Other Tax

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.

Designations & Memberships

  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Peter Cacioppo

Identity Theft
Published 2014-09-07 11:49:14
Spam (that are fraudulent) emails
Published 2014-07-03 12:56:49
Cars and leases
Published 2014-07-31 11:14:06
Inherited IRAs (non-spouse)
Published 2014-07-15 21:26:55
How to be a Successful Client
Published 2014-07-06 17:05:52
Fun ways to save on expenses
Published 2014-07-03 13:07:49
How to check your credit reports
Published 2014-07-03 13:00:26
Retirement Plan for Self Employed
Published 2014-06-11 10:20:09
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    I am looking for suggestions for long term investments in stocks with companies who are investing in water.
    Check out XYLEM to see if it fits your portfolio needs. They are active in the USA but also other countries....  (more)
    Answered Jun 2014
    I am a recent 1099 Contractor, with limited current deductions. Would a SEP IRA be my best bet?
    If you are a “one” person company (spouse OK as an employee), we offer through Fidelity or T. Rowe Price a “Solo” or "Self-Employed" 401(k) that allows you to place up to $52,000 annually (if you make $175,000 net profit) into your 401(k)(& deduct the $52,000)($35,600 if you make $100M net profi...  (more)
    Answered Aug 2014
    I will be 32 years old this year. Starting my first full time job and would like to plan for retirement.
    Successful clients do certain things.1. Pay themselves 20% of their Gross Salary every month by automatic programs through their 401(k) or IRA plans, and automatic credits to a brokerage account.2. Borrow money only to buy a home.3. Set aside money monthly to accumulate dollars to be used when ca...  (more)
    Answered Aug 2014
    I will be 32 years old this year. Starting my first full time job and would like to plan for retirement.
    2014 numbers (they change every year): If you are a “one” person company (spouse OK as an employee), we offer through Fidelity or T. Rowe Price a “Solo” or "Self-Employed" 401(k) that allows you to place up to $52,000 annually (if you make $175,000 net profit) into your 401(k)(& deduct the $52,0...  (more)
    Answered Aug 2014
    When is last day to make a contribution to my self employed 401k as an employer and employee for the tax year 2014?
    Your question is very, very surprising as when the plan was set up it would have been explained to you.The plan I use for my clients allow contributions until 4-15-2015 on plans set up in 2014. From my web site:If you are a “one” person company (spouse OK as an employee), we offer through Fidelit...  (more)
    Answered Feb 2015
    I'm paying a financial advisor 1.5% plus a $750 annual fee to manage my 450K portfolio. Is this too much?
    Sounds high to me. Most advisors charge less. Check out a few web sites to compare fees. As the other answers state: a lot depends on what the advisor is doing for you in addition to basic investment advice. A true advisor should give you a copy of his government ADV or something similar as it g...  (more)
    Answered Jun 2014
    My wife inherited $55,000 from her deceased father this year, how will it be taxed?
    Call the bank and try to talk to the person familiar with the distribution, after reading whatever was sent your wife earlier....  (more)
    Answered Sep 2014
    Should I sell my loss-leaders to decrease my taxes?
    I agree with Mr. Dowd. Also, there is always some other investment to replace the sold ones. Thus, don't get into the trap of holding on to loss positions because "they may go up in value". Transaction costs today are negligible, with firms like Fidelity charging only $7.95....  (more)
    Answered Aug 2014
    Okay so I just did my taxes on Turbo Tax married filing joint. With both our AGI out 375k we are getting killed in taxes. When I remove my wifes W2 income we'd get money back so that got me thinking. We had a baby in December and will have to start paying for child care next month at 2500 a month
    2014 numbers: If you are a “one” person company (spouse OK as an employee), we offer through Fidelity or T. Rowe Price a “Solo” or "Self-Employed" 401(k) that allows you to place up to $52,000 annually (if you make $175,000 net profit) into your 401(k)(& deduct the $52,000)($35,600 if you make $...  (more)
    Answered Jul 2014
    Should I close my fidelity professional managed account and continue to monitor and rebalance annually myself?
    It's the market., Many fee only advisors would not have you in bonds or short term, btw....  (more)
    Answered Sep 2015
    Best "alternative" retirement strategies?
    HSAs and very low cost (like Jefferson National's variable annuity and use their low cost equity funds)....  (more)
    Answered Dec 2014
    Buy a house, or max out 401k?
    Put maximum into the 401k since you will then pay less income tax. Then save for a house if; A.,you are buying in an area that should show increases in value over the next 10 years, and B.,you will be in a house for at least 3 years. Consider getting a roommate once you buy a house....  (more)
    Answered Dec 2014
    How long can Apple keep up the hype? A new iSomething product here and there has worked so far, but looking long term, how much higher can a stock like Apple really go?
    This question is from September of 2012 or over 2 years ago. A good example of how investors should not be concerned with the next earnings report but instead should be concerned with 1. The quality of management, and 2. the growth potential of the industry the company is participating in....  (more)
    Answered Dec 2014
    Is Thrift Savings Plan different than 401K ?
    You said "Thrift Savings Plan". There is such a plan with this name that is offered to only employees of the Federal government. It is very similar to a 401(k) and all its investment choices have low operating expenses and management fees. If you are a Federal government employee, ask OPM to send...  (more)
    Answered Jul 2014
    I have 3 IRAs with 3 different firms, invested in 30+ stock funds. Would consolidation be a good move or will fees hurt?
    Yes, consolidate. The other advisors' answers are good but I would add consolidate to a firm that will be able to give you reports of how you are doing including against standard measures like the DOW. I encourage my clients to use Fidelity since their performance reports are very good. Fidelity ...  (more)
    Answered Sep 2014
    What is my plan worth?
    Please give us more information on what type of plan you are talking about. If it stems from a past or current employer, give them a call and ask them for information. Also, make sure the plan has your current address....  (more)
    Answered Jun 2014
    I have a rollover account that is under performing. Is it a good idea to move it. Or ride it out?
    Ivy has more than 30 funds to choose and thus like any other fund company will show differences in performance. For instance a short term bond fund will not perform as well as a mid cap fund in a stock bull market like we have had over the last 5 years. Fidelity has hundreds of their own and give ...  (more)
    Answered Sep 2014
    How do you define/differentiate a high net worth individual versus an individual client?
    In our firm we serve high income and or high net worth individuals. Notice the words and or. We will take on as clients who do not have a high net worth but do have a high income. High income may mean $200,000 a year for a couple; a lot depends on their age, type of jobs they have, type of indust...  (more)
    Answered Sep 2014
    What's the best strategy for a charitable donation?
    Donate appreciated stock from your normal brokerage account (not your retirement account). ...  (more)
    Answered Jul 2014
    Are cash gifts taxable to the recipient?
    Generally, amounts over 14,000 affect your estate/gift tax exclusion amounts (done correctly a couple has an over 10 million exclusion). Hopefully, you have an estate planning attorney to give you detailed information. With my clients we prepare a detailed net worth statement and discuss all ramifi...  (more)
    Answered Dec 2014
    Should I invest in gold?
    No, as it is not an investment. If you are worth 2 million or more, perhaps you could take say 100,000 and speculate (i.e., not invest) that at a certain dollar value you think (i.e. guess) it will go up in value....  (more)
    Answered Dec 2014
    I'm the only employee of my S-Corp and am trying to ascertain whether it's worth having both a Solo 401k & a SEP IRA.
    Use just a Solo 401k; use Fidelity's; no fees or annual costs besides 7.95 to make a stock purchase; they also have no fee, low internal cost mutual funds. Walk into a local Fidelity office and they will help you. ...  (more)
    Answered Dec 2014
    I have 2 401Ks that I need to roll over-how can I get this done. I also want to increase my contribution. HELP?
    Walk into a Fidelity office with your paperwork and ask them to help you roll over the accounts into a new Fidelity IRA. They can also help you invest the money; perhaps their low cost ETFs would be appropriate....  (more)
    Answered Dec 2014
    My wife and I each have 401ks. She passed away last year, so do I roll her account into mine or into my IRA .
    As long as you have good IRA, roll it over. If you don't, I use Fidelity's IRA, thus roll to this and also roll your old IRA to this. Fidelity's branch offices will help you do this. Do not get checks and try to deposit into a new IRA....  (more)
    Answered Sep 2016
    Is ok if I contribute 2% traditional 401k and 6% royh 401k? Is this a good mix or should I be contributing more?
    Not able to answer this completely without knowing your income, assets, debts, type of job and prospects, age, goals and other items. However, in general my philosophy is not to pay taxes currently when we do not know the future as to taxation. Thus, generally, all your contributions should go in...  (more)
    Answered Dec 2015
    What do you expect for the upcoming Facebook earnings report?
    This question is from July of 2012 or over 2 years ago. A good example of how investors should not be concerned with the next earnings report but instead should be concerned with 1. The quality of management, and 2. the growth potential of the industry the company is participating in....  (more)
    Answered Dec 2014
    I am 66 and filed for social security. keep working making about 70k . remove all my Roth and 401K . how much tax owed?
    What are you saying when you said "remove all my Roth and 401k" Do you do your own taxes as some tax programs can calculate what you are asking, possibly. If you are in San Diego, CA, we can meet and go over your situation....  (more)
    Answered Oct 2016
    How much time is reasonable to develop an initial financial plan from a fee based planner?
    Setting up a plan is just one aspect. I have found that if the planner does not meet with the client a few times a year for a number of years the plan is not implemented 100% and thus the initial charge is wasted. My clients are either high income from salaries or have over 1 million in investmen...  (more)
    Answered Sep 2014
    I worked for The Children's Place from 2005-2009, what happened to my 401k?
    Sounds like this is another example of why journalists should be encouraging people to rollover retirementsplans to say a Fidelity or Vanguard as people leave their jobs....  (more)
    Answered Sep 2014
    I need to purchase a 401K by the tax date deadline of april 18, 2016. how do i purchase one?
    Walk in to a local Fidelity office and sit down and talk to them and see what they can open for you for 2015. No cost and some offer a number of free trades....  (more)
    Answered Apr 2016
    Where do I start with Retirement Investing?
    Look me up if you ever work in San Diego, CASuccessful clients do certain things.1. Pay themselves 20% of their Gross Salary every month by automatic programs through their 401(k) or IRA plans, and automatic credits to a brokerage account.2. Borrow money only to buy a home.3. Set aside money mon...  (more)
    Answered Nov 2014
    Am I saving enough for retirement?
    Depends.............Successful clients do certain things.1. Pay themselves 20% of their Gross Salary every month by automatic programs through their 401(k) or IRA plans, and automatic credits to a brokerage account.2. Borrow money only to buy a home.3. Set aside money monthly to accumulate dolla...  (more)
    Answered Nov 2014
    401k alternative options for small business?
    If you are in San Diego County, CA, I can sit down with you and probably come up with a lower price retirement plan that meets your needs. We may be able to offer other items that would give your employees a nice package of financial items. www.eaglehilladisor.com ...  (more)
    Answered Sep 2016
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Not registered
      • disclosures
        None
      • as of date
        N/A
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        N/A
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Advisor

      Last updated on Aug. 31, 2016
        • $10.0M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 6
          number of clients
        • $1.7M
          Estimated Average Account Balance Per Client

      Eagle Hill Wealth Management

      Last updated on March 7, 2017
        • $6.4M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 4
          Accounts
        • $1.6M
          Estimated Average Account Balance

      Fees

      Fee Only Advisor
      $
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements