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Your Vision.          Our Guidance.


An Everplan is a secure, digital archive of everything your loved ones will need should something happen to you


WHO WE ARE

As we accumulate wealth life does not get simpler, it gets more complex. Your investment opportunities expand but so does the complexity of the choices you have to make. It is not just about how much you earn on your investment, it is about how much you keep.

As your Personal Financial Architect, we design a financial blueprint around what is most important to you. Our strategies are focused on helping you accumulate the assets you need to achieve your goals and protecting the financial success you have already attained.

We have strategies that aim to help you accumulate, preserve and distribute wealth. It is not just about the investments. It is about the planning. Our team approach includes working with other advisors, like your CPA, attorney and/or business manager to address your total planning needs, which may include tax strategies, personal trusts, estate planning and gifting programs just to name a few areas we incorporate into your comprehensive personal plan.

Why Summit Financial?

Because our goals are to provide you:

  • Clarity of purpose,
  • Direction in knowing the actions you need to take, and
  • Confidence knowing what you are doing and why you are doing it.

Our team approach keeps you focused on where you want to go, guides you on how to get there, and continually remind you of the importance of maintaining a disciplined approach in order to realize your dreams.


Since founding Summit Financial Consultants in 1985, 

our sole mission as a boutique wealth management company has been to simplify the complex by:


 CLARITY


Empowering our clients with the knowledge and resources necessary to simplify their life and maximize their financial future.










DIRECTION


Turning apprehension into anticipation. We take a comprehensive view of your complete financial picture to develop a deeper understanding of what is required to achieve your goals. Instead of discovering what you have, we discover who you are by employing a comprehensive work-optional approach that is designed to provide clarity, direction and confidence. This approach focuses on maximizing your wealth, so you can better understand and manage all aspects of your financial life, while helping you grow and protect your wealth.   We call this:

"Work-Optional Lifestyle Planning"


Some people invest for their future and hope they will have enough. We plan for your future so you will know how much is enough.



CONFIDENCE


Coordinating with our clients selected team of professionals or utilizing our strategic partnerships to implement unique wealth management and advanced estate planning needs for high-net worth individuals. We believe through strategic investment decisions and innovative planning strategies we offer a level of simplicity & expertise beyond the average wealth planner.


WHY SUMMIT?

 We simplify the complex by providing unique services for staying organized, updated and prepared. 

 

We understand that as wealth increases so does complexity. With that said, we view the advisor-client relationship as a true partnership. Together we take a comprehensive view of your complete financial picture to develop a deeper understanding of what is required to achieve your goals. Instead of discovering what you have, we discover who you are by employing our "Work-Optional Lifestyle Approach" that is designed to provide clarity, direction and confidence. This approach focuses on maximizing your wealth, so you can better understand and manage all aspects of your financial life, while helping you grow and protect your wealth.

While investment performance is important, enhancing what an investor keeps is what really counts. We aim to minimize estate, transfer, gift, and income taxes through strategic investment decisions and planning strategies.


Our Core Values

Establishing Trust with Our Clients and Within the Community

We value our client relationships and we strive to assist in helping our client's attain their financial dreams. We do this by adhering to a set of core values and principles:

Clients First

We achieve results and prosperity without compromising our fiduciary duty to put your interests first.

Outstanding Client Experience

We deliver an exceptional experience to all clients with a proactive and thorough approach. Our goal is to establish collaborative long-term relationships that span multiple generations, with an emphasis on respect and confidentiality.

Independence

Our clear and objective investing and planning strategies put your interests ahead of our own, in contrast to larger financial firms seeking to meet shareholder needs through maximizing profits.

Sincerity and Truthfulness

We believe that a long-term working relationship is deserving of passion, empathy, and integrity, rather than based solely on facts, figures and analysis.

Organization

We will help bring order to your financial life by assisting you in getting your financial house in order at both the “macro” level of investments, insurance, estate, taxes, etc., as well as the “micro” level of household cash flow.

Accountability

We will help you follow through on financial commitments, by working with you to prioritize your goals, show you the steps you need to take, and regularly reviewing your progress towards achieving your goals.

Objectivity

We bring insight from the outside to help you avoid emotionally driven decisions in important money matters, by being available to consult with you at key moments of decision-making, doing the research necessary to ensure you have all the information, and managing and disclosing any of our own potential conflicts of interest.

Education

We will explore what specific knowledge is necessary to succeed in your situation, by thoroughly understanding your situation. We can then provide the necessary resources to facilitate your decisions and explain the options and risks associated with each choice.

Partnership

We attempt to help you achieve the best life possible and work in concert with you, not just for you. By taking the time to clearly understand your background, philosophy, needs and objectives we work collaboratively with you and on your behalf and offer transparency around our own costs and compensation.

sum·mit


The highest point of attainment or aspiration:

The sum of one's desired goals.

THE TEAM

Our staff consists of experienced professionals with a "hands on" approach to financial guidance. Not only will you find our team members knowledgeable, but you will also discover that our staff truly cares about making your dreams a reality. 

Neil Elmouchi, CLU, ChFC, AIF Photo

Neil Elmouchi, CLU, ChFC, AIF

Managing Partner/Senior Wealth Advisor
Read Bio

Neil Elmouchi, CLU, ChFC, AIF

Managing Partner\Senior Wealth Advisor

Neil Elmouchi, believes that, life is not a dress rehearsal, you either get it right the first time or you don’t. Which is one of the reasons he founded Summit Financial Consultants in order to help his clients better understand the convoluted world of personal finance while creating processes to help them pursue their desired retirement objectives.

Neil has more than 30 years’ experience in the financial services industry and established Summit Financial in 1985, a Register Investment Advisory corporation. He serves as Chairman, CEO and Senior Wealth Manager. Neil is a Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and Accredited Investment Fiduciary (AIF). He currently holds the Series 24,31,7, and 63 securities registrations. He is also a Registered Principal of, and securities offered through, Triad Advisors - Member FINRA/SIPC.

Neil and his wife, Martha, have two children and five adorable grandchildren. Away from work, Neil enjoys playing golf, Krav Maga, a form of martial arts, hiking and traveling with his wife.



BrokerCheck

Securities offered through Triad Advisors, LLC - Member FINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.



Kimberly Lau Photo

Kimberly Lau

Managing Partner\COO
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Kimberly Lau

Managing Partner/COO

As Managing Partner & Chief Operating Officer, Kimberly Lau oversees the design, enhancement, implementation and reporting of the firm’s financials, operations, human resources and compliance. Reporting to the CEO and working as a key member of the firm’s team, Kim takes a leadership role in building, implementing, and overseeing all of the firm’s systems, processes, workflows, and procedures. Kimberly also plays a critical role in helping to shape and guide the future development of the firm.

Prior to joining Summit Financial almost 20 years ago, Kim gained valuable experience working as manager of publicity & promotions for New Line Home Entertainment. Kim received her bachelor's degree in marketing from the University of California, Irvine in 1996 and also holds the FINRA Series 6 & 63 securities registrations through Triad Advisors, as well as a California Insurance License.

Kim currently resides in Thousand Oaks, CA with her husband Jason and two adorable sons.



BrokerCheck

BrokerCheckSecurities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.


Karl Orlowski, AAMS®, AIF® Photo

Karl Orlowski, AAMS®, AIF®

Managing Partner\Wealth Advisor
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Karl Orlowski, AAMS®, AIF®

Partner\Wealth Advisor

Karl has been with Summit Financial Consultants since February 2010. He earned his start in the financial services industry in 2005 by building a successful practice through Edward Jones Investments.

Karl continually strives to meet customer service expectations while serving his clients' interests. He pays special attention to their risk tolerance and life objectives. Karl's primary objective is to maintain his client's perspective on their portfolio and the return they need from their assets.

Throughout his career he has come to understand that not all of his clients want to retire, rather, they would like to be in a position to retire on their terms. Having the knowledge that you can retire has been extremely empowering to many people.

Karl believes that financial planning is a process rather than a product. The Summit Financial process has given him great confidence in the tools he can utilize to satisfy his clients' needs in the most efficient manner.

His particular areas of interest include managing and constructing income streams for his clients in retirement and helping clients work with tax and pension professionals on strategies designed with the goal to maximize the benefits of tax qualified pensions and/or retirement plans in their favor.

A graduate from the University of California, Santa Barbara, Karl is a Registered Representative with Triad Advisors who currently holds the series 7, 63, and 66 securities registrations through Triad Advisors. In addition, Karl has a California state Insurance License and is qualified to offer long-term care insurance. He completed the accredited Asset Management Specialist (AAMS) designation in 2008, as well as the Accredited Investment Fiduciary (AIF) designation in 2013.

In his spare time, Karl enjoys being with his wife and two sons. He and his family are avid outdoor enthusiasts who enjoy camping, hiking, skiing and travelling together. Karl's personal interests include, reading, surfing and golfing.



BrokerCheck


Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.


Cody Klein Photo

Cody Klein

Managing Partner\Wealth Advisor
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Cody Klein

Partner\Wealth Advisor

Cody is an essential member of the Wealth Management Team at Summit. He uses his exceptional analytical and technical skills to thoroughly evaluate wealth planning options for clients and enjoys collaborating with the team to determine the best course of action. Cody is a dynamic speaker and readily shares his passion and insights about financial markets with clients.

He graduated Magna Cum Laude from California State University, Northridge with a bachelor's degree in business and finance. He currently holds the FINRA Series 7 & 66 securities registrations through Triad Advisors.

Cody and his wife, Sophie, enjoy eating their way through the Los Angeles food scene. Cody played Division 1 collegiate baseball at Southern Utah University, and still enjoys playing recreationally in his spare time.



BrokerCheck

Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.

Tim Milaney, CLU®, CPU®, CIC® Photo

Tim Milaney, CLU®, CPU®, CIC®

Wealth Advisor
Read Bio

Tim Milaney, CLU®, CPU®, CIC®

Wealth Advisor

As a 30 year veteran in the financial field, Tim is dedicated to offering the best financial options for his clients. Tim started his career in the insurance business and believes strongly that, along with investing wisely, it is also important to protect oneself from those events that can derail a good investment plan, death, disability and long term care. Providing a safety net has proven vital to a number of his clients over his long career and has allowed his clients and their families to achieve their financial goals, even in the face of tragic occurrences.

Tim graduated from California State University at Los Angeles before doing his duty in the United States Army. Since then, Tim has been on several insurance company producer boards and is currently on the board of directors of the Boys and Girls Club of Conejo Valley. He currently holds Series 7, 6, 22, 63 and 31 registrations through Triad Advisors as well as the Chartered Life Underwriters designation.

He and his wife Judith have four children and three grandchildren. Away from work, Tim is an avid golfer and considers physical fitness as a way of life.


BrokerCheck


Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.

Vida Jatulis Photo

Vida Jatulis

Senior Wealth Planner
Read Bio

Vida Jatulis

Senior Wealth Planner

Vida has been an integral part of Summit’s Wealth Management Services since she joined the firm in August 2013. She earned her bachelor's and masters degrees in investments and has experience in investment consulting, portfolio management and banking.

She uses her sharp analytical skills and investment experience, to work closely with the Advisor’s to create financial plans, monitor and review client accounts, and work on client requests. Vida enjoys helping clients get the answers to their questions and makes developing client relationships a priority.

Away from work, Vida is very active with her husband Darius and two teenage sons Marius and Romas. They all enjoy downhill skiing, biking, backpacking, fishing, hiking, tennis, kayaking, and surfing. She also is a volunteer ambassador for a nonprofit that provides shelter, healthcare and education to families and orphans in Tanzania, Africa.


BrokerCheck

Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.


Christy Quintero Photo

Christy Quintero

Director of Client Relations\Wealth Manager
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Christy Quintero

Director of Client Relations\Wealth Manager

Christy Quintero is the key figure in coordinating all customer service, account processing, and office management matters.

By maintaining efficient office-wide processes and best-practice methods regarding all client services and relations, Christy gives our clients financial confidence, ensuring that all regulatory and ethical standards are constantly met throughout the handling of their accounts. Prior to her eight years at Summit Financial Consultants, Christy completed a one year internship for an RIA compliance firm, which gave her resources to meet the high expectations of managing client services for Summit Financial.

Christy obtained her bachelor's degree in management with a finance emphasis in 2008 from California Lutheran University. Away from the office, Christy enjoys the outdoors and spending time with her husband Waldo and their two beautiful children.



BrokerCheck

Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.

Angela Dowling Photo

Angela Dowling

Chief Compliance Officer/Human Resources Manager
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Angela Dowling

Chief Compliance Officer/Human Resources Manager

As associate wealth manager at Summit Financial, Angela acts as our gatekeeper to ensure clients receive the attention and support they deserve. She works with the Senior Wealth Manager to monitor and review client accounts and address client requests. Angela also provides executive-level support to Neil and assists the chief operating officer with compliance and business related projects.

Prior to joining the Summit team in 2016, Angela worked for a Registered Investment Advisor where she specialized in client services, data management, and portfolio reconciliation. She also spent 10 years as a Paralegal for a family law firm and for the Army National Guard.

Outside of the office, Angela and her family enjoy traveling, hiking, cooking, wine tasting and watching live music.



BrokerCheck


Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.

Max Henry Campos Photo

Max Henry Campos

Insurance Advisor
Read Bio

Max Henry Campos

Insurance Advisor

Max Henry Campos has been part of the Summit team since 2015. As an insurance advisor, Max focuses on helping clients address and plan for potential obstacles to ensure clients can meet their goals for the future. Max is licensed in the state of California for Life, Accident, Health, Group Medical and Disability Insurance and is continuing to expand on his credentials in his spare time.

Max resides in Woodland Hills where he lives with his wife and three children. Away from work, Max enjoys building websites and fine tuning his culinary skills in the kitchen.



BrokerCheck

Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.

Diana Woolley Photo

Diana Woolley

Director of First Impressions
Read Bio

Diana Woolley

Director of First Impressions

Diana brings to Summit Financial her positive energy and commitment to building successful working relationships.

Diana graduated from the University of Oregon with a business degree. For many years, she provided marketing services in architectural and engineering firms benefiting the government sector and commercial and health care sectors. Prior to joining Summit, Diana was involved in member services at a country club for several years. Regardless of the industry, Diana’s priority is to consistently contribute to exceptional client experiences and communications.

She has raised four fine young men and enjoys sports, travel, reading, and cooking and entertaining with family and friends.


BrokerCheck

Securities offered through Triad Advisors, LLC - MemberFINRA/SIPC. Advisory Services offered through Summit Financial Consultants, Inc. a Registered Investment Advisor. Triad Advisors, LLC is under separate ownership from any other named entity.

"The ultimate test of the plan’s effectiveness lies in the results they produce"


Take a Virtual Tour of Summit Financial


KNOWLEDGE CENTER

Client Logins

We believe your financial information should be organized, up to date, easy to understand and accessible to you whenever you want, from whereever you are. 

The Personal Financial Dashboard is your source for online account information. If you do not have login credentials please contact Vida Jatulis at 805-418-4565 or vida@thewiseinvestor.net.


Personal Financial Dashboard

Provides access to all of your accounts managed or held through Summit Financial Consultants as well as linked outside accounts not managed by Summit.


CLICK HERE- PERSONAL FINANCIAL DASHBOARD

TD Ameritrade

Online account access for your TD Americade accounts only. Statements, trading confirms, and tax documents are available.


CLICK HERE- TD AMERITRADE ACCOUNTS


All clients receive secure online access to all accounts, customized financial plan and action steps to keep you moving forward.
















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WHAT IS AN EVERPLAN?

An Everplan is a secure, digital archive of everything your loved ones will need should something happen to you ensuring they aren’t left with hassles. As a recent added service, we’re able to offer this complimentary tool to our valued clients, their loved ones and close friends. 

Life & legacy planning is rarely a dinner-table topic, but it answers the questions we all have about “What happens when…” and calms our fears about being a burden on our family.  Everplan takes good intentions and puts them into action.


What is an Everplan from Everplans on Vimeo.



Organize your vital documents
and final wishes.

Everplans walks you through what you’ll want to leave behind, giving you the opportunity to list and explain your final wishes.


Store all your information securely and in one place.

Everplans operates like an electronic safety-deposit box- a family vault, allowing you to keep a scanned copy of your information in a totally secure—yet instantly accessible—location.

No one can get to it unless you want them to.


Share only what you want and designate who gets to see it.

You’ll select “deputies” who can access your documents and information—these may include family members, friends and other beneficiaries—but you can choose which deputies have access to which documents.


  • EMAIL-

    • Do you have email accounts? (Gmail, hotmail, yahoo, AOL)
    • You can store securely the usernames passwords for these accounts?
    • Or list a location if something happens to you of where your designated deputy (spouse, child, friend, etc.) can locate this information.
  • ONLINE BUSINESSES

    • Do you have accounts to online retailers? (Amazon, paypal, ebay, etc.)
    • You can store securely the usernames passwords for these accounts?
    • Or list a location if something happens to you of where your designated deputy (spouse, child, friend, etc.) can locate this information.
  • SOCIAL MEDIA

    • Do you have social media accounts? (Facebook, twitter, linkedin)
    • You can store securely the usernames passwords for these accounts?
    • Or list a location if something happens to you of where your designated deputy (spouse, child, friend, etc.) can locate this information.
  • FINAL WISHES & FUNERAL PREFERENCES

    • A secure location for your loved ones to know your final wishes beyond what your will states. Do you have a funeral plot already purchased? If so, where is it located? If you prefer to be buried, do you have any specific wishes for that day? Etc.
  • CREDIT CARDS/HOUSEHOLD BILLS

    • You can store securely the usernames passwords for these accounts?
    • Or list a location if something happens to you of where your designated deputy (spouse, child, friend, etc.) can locate this information.
  • MORTGAGES OR LOANS

    • What is the company(s) through which mortgage or loan was given
    • You can store securely a copy of the mortgage or loan agreement or list the location of this document
  • A SECURE LOCATION TO LIST DETAILS & STORE YOUR: (or list a location of where these important documents are kept)

    • INSURANCE POLICIES, TAX RETURNS, PENSION & RETIREMENT DOCUMENTS, INVESTMENT PORTFOLIO DOCUMENTS, WILL, TRUST. POA, ETC.
    • HEALTH & MEDICAL INFORMATION, ADVANCE DIRECTIVE , SOCIAL SECURITY CARD, ARMED FORCES DISCHARGED PAPERS, BIRTH CERTIFICATE, DEATH CERTIFICATE, MARRIAGE CERTIFICATES, DIVORCE CERTIFICATES, PRENUPTIAL AGREEMENTS, DIVORCE SETTLEMENTS, ETC.
  • ANY PROFESSIONALS WHO HAVE HELPED

    • Lawyer- name, address, phone #
    • Accountant/CPA- name, address, phone #
    • Financial Advisor- name, address, phone #


Create Your Everplan - It's Free. 

Simply contact us to send you an invite. 




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Simplifying the Complex


Want a Second Opinion?

Please fill out below.

Our wealth management process and range of solutions are designed to be all-inclusive and are typically intended for clients with a minimum of $500,000 in personal and/or business assets to work with.  

Conversely, in situations where a probable client has entered a phase of rapid wealth accumulation, our solutions may also prove to be appropriate. An example may be an entrepreneurial business owner rapidly accelerating in annual revenues because of precise execution of business plan strategy.

In either situation, we welcome the opportunity to engage in a complimentary second opinion consultation to explore the potential of working together. If we are not a good fit for you, we would be pleased to refer you to an advisory practice that may be more appropriate.


While every conversation is different, you should expect to cover some general information and get a sense of what it's like to collaborate with us. 

Let us help you simplify your finances and get more of your time back.

Check the background of this firm on FINRA’s BrokerCheck.