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“Risk comes from not knowing what you’re doing”

- Warren Buffett

How we make it work for you

Portfolios built for you

We don’t believe in one-size-fits-all investing. That’s why your portfolio is crafted around your goals, timeline, and risk comfort—not some template.

Maximize your job perks, (minus the tax headaches)

Got RSUs, ESPPs, or other employer benefits? We’ll help you get the most value out of them—while avoiding unexpected tax headaches.

Retirement done right (without the guesswork)

We’ll help you craft a retirement plan that’s uniquely made for you. Whether it’s timing your Social Security benefits, saving strategies or smart withdrawal strategies, we’ll make sure your money works for you, today and tomorrow.

Cross-border finances made simple

Living abroad or juggling international assets? Whether it’s international accounts or tax treaties, we break down the complex stuff into clear next steps.

We’ll help you with

Retirement planning

Investment management

Employer equity

Tax planning

Cash flow planning

Insurance review

Estate planning

How we work with you

Explore Call

Let’s chat. We’ll dig into what you want, what keeps you up at night, and whether we’re a good fit. No pressure, just real talk.

Personalized Financial and Investment Strategy

Using what we’ve learned, we’ll design a personalized strategy tailored to you. Our portfolios are customized and designed to access all asset classes—including stocks, ETFs and bonds.

Stay By Your Side

Life changes, and so will your plans. We’ll adjust your financial plan so it always stays aligned with you—no matter what the markets or life throw your way.

Frequently Asked Questions

Are you a fiduciary?

Answer

Absolutely! We’re fiduciaries, so your best interests are our top priority—always. Plus, being CERTIFIED FINANCIAL PLANNER™ professionals adds another layer to our fiduciary commitment.

Answer

We’ve got your financial future covered—think retirement planning, investment management, tax strategies, estate planning, insurance reviews, and cash flow tweaks.

We’ll craft a plan just for you, put it into action, and keep it humming as life changes.

Answer

We team up with busy professionals, entrepreneurs, and retirees who’ve typically built up $500K+ in investable assets and want to enjoy life, not babysit their investments.

Not the right fit? No sweat—we’ll point you to someone who is.

Answer

Yep—we love working with tech folks! We’ve helped people from Airbnb, Workday, Snap, Zoom, and The Trade Desk figure out RSUs, ESPPs, and stock options.

Those perks are great, but what about the tax stuff? We’ll sort it out so you don’t have to stress.

Answer

Yes! We help retirees and almost-retirees nail down Social Security timing, tax-smart withdrawals, a portfolio that fits you, healthcare prep, and estate planning—everything to make this phase smooth and stress-free.

Answer

Absolutely. No cookie-cutter plans here—your portfolio is as unique as you are.

Answer

We customize because, let’s face it, life and markets are always shifting. Customization allows us to design a portfolio that’s uniquely yours, tailored to your specific financial situation and goals.

For example, we might use individual bonds to deliver steady, tax-efficient income, hand-pick individual stocks to seize specific growth opportunities, or leverage tax loss harvesting—a strategy where we sell underperforming assets to offset gains elsewhere, helping reduce your tax bill.

This personalized approach ensures your portfolio isn’t just keeping up—it’s working smarter for you, adapting as your needs and the world around you evolve.

Answer

Yes. We’re legally obligated to act in your best interest—not ours.

Answer

We take care of everything related to your financial future, including:

  • Retirement planning
  • Investment management
  • Tax strategies
  • Estate planning
  • Insurance reviews
  • Cash flow optimization

Our goal is to give you peace of mind—and free up time to focus on what matters most.

Answer

People from all walks of life! That said, our ideal clients are those who’ve built some wealth (typically $500K+ in investable assets) but don’t want to manage everything themselves. They value expertise, transparency, and a partner they can trust.

If we’re not the right fit, we’ll point you toward resources or professionals who can help.

Answer

Absolutely. Many of our clients come from the tech world, and we understand the unique challenges you face—like navigating RSUs, ESPPs, and stock options. These benefits can be amazing, but they also come with risks (hello, tax surprises).

Answer

Yes. We’ll cover everything from:

  • Maximizing Social Security benefits (hint: sometimes waiting pays off big).
  • Creating tax-efficient withdrawal strategies
  • Building a portfolio that supports your lifestyle
  • Planning for healthcare costs and long-term care
  • Create or refine an estate plan

Answer

Yes. No two clients are alike, and neither are our client’s investment plans.

More about our approach

We use individual stocks, ETFs, and individual bonds to build a portfolio that’s personalized for you.

Yes! Cross-border stuff can get messy, but we’ve got it handled—whether you’re an expat, have assets abroad, or bounce between countries. (Bonus: we speak Mandarin too!)

We keep it simple: a tiered fee based on what we manage—the more you’ve got with us, the lower the rate. No sneaky fees or commissions, and all our planning work is included.

Your money is held with trusted custodians like Charles Schwab. You’ll have 24/7 access to your accounts via your secure account portal, plus detailed statements and performance reports.

At a glance

Your investments, safely managed

Your investments are managed by CERTIFIED FINANCIAL PLANNERS™ and seasoned advisors who keep a close eye on your portfolio, while making sure it’s aligned with your goals and values.

For added security, your assets are held with trusted third-party custodians like Charles Schwab. This means you’ll always have quick and easy access to your money whenever you need it.

More clarity, less confusion

Working with us means ditching the financial guesswork. We’ll break down complex topics such as taxes and retirement into plain English, so you always understand what the plan is.

Ready for Change? Expert guidance for a retirement that's perfectly you.

Let’s chat.

Schedule a call
  • San Francisco Bay Area, CA
  • (415) 742-8223
  • Hong Kong, SAR
  • +852 6067 5353
  • hello@paraibawealth.com

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Copyright © 2025. Paraiba Wealth. All rights reserved.

Before making any financial decisions, you should seek guidance from a qualified financial, tax, or legal advisor who understands your individual circumstances. This content is provided solely for informational and educational purposes and is not intended as an offer or solicitation to buy or sell securities. Any references to rates of return are drawn from past performance or hypothetical scenarios and do not promise future gains.

Past performance does not guarantee future performance. Returns in the future could be higher or lower than those in the past. Investing comes with inherent risks, including the potential loss of your initial investment. The value of investments can shift with changing market conditions, and when securities are sold, they may be worth more or less than your original cost.