Investment Management
Portfolio guidance built around your goals, time horizon, risk tolerance, tax picture, and need for liquidity.
- Asset allocation and diversification
- Risk and cash flow alignment
- Ongoing portfolio reviews
Independent financial guidance for consequential decisions
Investment Capital Advisors - Your Personal CFO
Investment Capital Advisors helps you organize complex financial choices into a clear, coordinated plan so your money, goals, and family priorities can work together.
01
Comprehensive view
Investment, income, estate, and risk decisions reviewed together.
02
Plain-English advice
Clear recommendations, thoughtful tradeoffs, and no needless jargon.
03
Long-term partnership
Ongoing guidance as markets, taxes, laws, and family needs change.
Services
Advice for the financial decisions that shape your future.
Start with the confidential planning questionnaire to organize your goals across all five planning areas. Complete the questionnaire online.
Retirement Planning
A practical path for turning accumulated savings into confidence about income, spending, healthcare, and legacy goals.
- Retirement readiness analysis
- Income and withdrawal planning
- Social Security and account strategy
Estate Planning
Coordination with your legal and tax professionals so beneficiary designations, ownership, and intentions stay aligned.
- Legacy and family priority review
- Trust and beneficiary coordination
- Charitable planning conversations
Real Estate Financing
Guidance on how property decisions are financed, held, and integrated with your investment, tax, cash flow, and legacy plans.
- Mortgage and debt structure review
- Cash flow and liquidity planning
- Investment property strategy
Life Insurance Planning
Objective review of protection needs, existing coverage, policy structure, and how insurance fits into the broader plan.
- Coverage needs assessment
- Policy review and coordination
- Family and business continuity planning
Process
Planning your future is a process not an event.
Understand the full picture
Clarify goals, responsibilities, assets, liabilities, income, taxes, risk exposure, and the decisions keeping you up at night.
Build the strategy
Translate your priorities into practical recommendations across portfolio, retirement, estate, real estate, and insurance planning.
Review and refine
Keep the plan current through regular reviews, life changes, and shifting market or legislative conditions.
Approach
Advice should make complex decisions feel manageable.
Investment Capital Advisors, led by John Marty and Gary DeMera, provides coordinated financial guidance through the My Personal CFO planning approach. The work is analytical, but the experience should feel personal, organized, and calm.
Recommendations are shaped by your goals and coordinated with the professionals already around you, including attorneys, tax advisors, and insurance specialists when appropriate.
Start a conversation
Bring clarity to the financial decisions ahead.
Contact John Marty or Gary DeMera to discuss investment management, retirement planning, estate planning, real estate financing, or life insurance planning.
Address
345 Lorton Avenue, Suite 302
Burlingame, CA 94010
Burlingame, CA 94010
Advisory Services offered through RB Capital Management LLC, and securities offered through Aurora Private Wealth.