We help successful people make better financial decisions
and feel more secure about their money
Help YOU make better financial decisions and feel more secure about YOUR finances
The primary mission of Summit Wealth & Retirement Partners is to help successful people make better financial decisions and feel more secure about their money. We accomplish our mission by providing highly customized financial advice, and always putting our client’s best interest above all else. Our job is to help clients by designing, implementing, and monitoring their customized financial plans.
If you want a local Advisor that can help all of your financial planning, tax planning, and investment management, we are here to help. Our clients value having the local expertise that they can meet with face-to-face as often as they like, while also knowing that we have the deep resources of Charles Schwab supporting us every step of the way.
Meet Our Team
Two Certified Financial Planners (CFPs), a Chartered Financial Analyst (CFA), an MBA and an award-winning supporting cast
We’re a boutique firm with some of the best minds in the industry. You can get to know us individually below, or better yet, come sit down and talk with us in person.
Here's a few highlights:
Get To Know Our Team
As a young child I saw firsthand the stress that personal finances can cause within a family. I often witnessed my parents in disagreement over how money was being spent and whether or not enough was being saved. I resolved at a very early age to learn everything I could about personal finance so that I could help my parents and relieve some of their stress.
By age 12 I was investing in individual stocks, and still have the original stock certificates from my first purchase (Nike). By age 15 I was investing in mutual funds with my savings from working at a local deli. Every Saturday morning I sat down with my folks as they paid the bills. I knew what their salaries were, how much went to taxes, and how much all of the bills amounted to. This was a great early lesson because I knew how much, or little, was left.
This is why when I graduated from Cornell University I knew exactly what I wanted to do. I’ve spent the past 13 years as a financial planner helping successful families in the Bay Area make better financial decisions. I believe it was Confucius who said “Choose a job you love, and you will never have to work a day in your life.” I am quite proud to say I followed this advice. My clients value my honest and direct approach, and know that I have the skills and experience to help them make better decisions and feel more secure about their money.
Regardless of net worth, the #1 fear that people have is that they will run out of money. I’ve spent the past decade addressing this fear head-on by designing, implementing, and monitoring financial plans that help ensure my client’s money will last longer than they do.
Whether it’s protecting what they already have, growing their wealth, minimizing their taxes, or designing a plan to pass assets to their kids, we are here to help.
In addition to having a Certified Financial Planner (CFP®) designation and I hold certifications in asset management and retirement planning.
Most importantly, I live in Danville with my wife Maryline and my three wonderful children Dylan (age 7), Tyler (age 5), and Nyla (age 2). When I am not at work I enjoy spending time with my family and enjoying the many natural wonders of Northern California.
Growing up in the south bay, I was lucky to have parents who modeled and lived lives of service to others. Both my Mom and Dad served in the military and had us all involved in local charities at a young age. As a result when I graduated from the University of Oregon I took a path that seemed obvious at the time, I was commissioned and served almost 8 years in the Air Force on active duty and the reserves.
Shortly after leaving the Air Force, I was hired and entered into a training program at CIGNA Financial Group to become a financial planner. One of the first things that attracted me to this company was their “serve the client’s needs first” philosophy.
After leaving CIGNA I spent over 15 years in the institutional asset management business, providing investment consulting and asset management services to pension plans, endowments , foundations and large 401K plans.
About 12 years ago I joined Summit Wealth & Retirement Partners, with the goal being to help individuals and families utilize the same money management techniques that large institutions were using. Pension plans, endowments, and foundations are all designed to make sure their money lasts as long as possible. This is the same goal individuals and families have, and yet very few financial planners are addressing this.
It still surprises me today when I learn that most people we meet with believe that financial planning is just investment management. One of the greatest things we do for our clients is to provide solutions to all of their family’s financial needs. We gain a thorough understanding of their situation and know how all of the various issues of their plan are related. Our work helps our clients to make better, more informed financial decisions. Our culture is focused on serving our client family needs and is something I believe in and try to live daily.
One of the things that many of our clients face is what has been termed the “sandwich generation.” My wife, Cathy, and I have faced the issues of getting kids into and through college, dealing with aging parents, their support needs and cognitive issues and planning for a successful retirement simultaneously. We know the importance of proper estate documents and long term care and the challenges these issues can place on family members and a successful financial plan.
I live in Granite Bay with my wife Cathy where we enjoy travel, riding our bikes, snow skiing and golf. We have been blessed with two wonderful kids. Matthew is a UCSB graduate and lives and works in commercial insurance in Santa Barbara and Elizabeth is finishing her junior year the University of Kansas with a major in Speech Pathology and will be going to graduate school soon.
I have always been interested in the financial markets and I have both an undergraduate and a graduate degree in business. This career has allowed me to combine my passion for serving others with my interest in personal finance. Thirty-years later I am still excited to come into work each day because I know that what we do has a positive impact on people’s lives.
Naumdar Akhavan is a Chartered Financial Analyst (CFA®) and Portfolio Manager with Summit Wealth & Retirement Partners. Summit directly manages or advises on over $380M of assets for high net worth families.
Prior to joining Summit, Naumy was a portfolio manager with Morgan Stanley where he built custom portfolios for high net worth families. Prior to Morgan Stanley, Naumy served as an Analyst with Neuberger Berman Wealth Management and Wells Fargo Investments.
As a portfolio manager, Naumy’s unique strength is building income-producing portfolios for retirees and near-retirees who seek to turn their assets into a predictable stream of income. Naumy’s portfolios often provide a contrarian view to what the rest of the market and retail investors are doing. He focuses on bottom-up research that focuses on developments at the industry level.
A California native, Naumy earned a Bachelor of Arts degree in History from the University of California at Santa Cruz where he also studied classical music. He attributes part of his strategic perspective to lessons learned from these disciplines. Naumdar has earned the right to use the Chartered Financial Analyst designation and is a member of the CFA® Society of San Francisco.
I came to work for the Summit Wealth team in June 2013. As an Associate Advisor, my primary responsibilities are data gathering, case design, plan development, review preparation, research, reporting, and presentation development. I also maintain all aspects of our financial planning software and reporting tools. My favorite part of the job, though, is working with clients to help them define and then achieve their financial goals.
In November 2015, I received a Certificate in Personal Financial Planning from Bryant University. Then in February, 2016, I became a Certified Financial Planner Professional. My education also includes a Bachelor's degree from Drake University and a Master's Degree from the University of Texas at Austin, both in music performance. After realizing that being a musician was not providing me with the financial stability that was so essential to me, I branched out into new areas. After spending time in both the higher education and insurance fields, I was excited to find a career path that would allow me to combine my natural interest in improving people’s financial lives with my research and analytical skills.
I am an active member of the Financial Planning Association of the East Bay. As part of that membership, I enjoy participating in pro bono financial events and also am on the career development committee. I’m currently pursuing a designation in divorce planning called the Certified Divorce Financial Analyst.
After living in many locales (from Texas to Japan) as an Air Force spouse, I settled in the charming town of Crockett. I enjoy spending time with my two adult sons --one a recent college graduate and economic analyst for the Almond Board of California and the other a student at Cal State Chico. During my spare time, I also enjoy playing the cello, reading novels, watching movies and taking my energetic Great Dane for walks.
Bio coming soon. Have questions? Shoot him an email or give him a call.
Maryline's bio is coming soon. Have questions? Give her a call or shoot her an email.
Ryan McCloskey's bio is coming soon. Have questions? Give her a call or shoot her an email.
Summit Tax Planning is led by Debbie Pham, an Enrolled Agent with over 15 years of tax planning experience.
Debbie obtained her B.S. degree from the U.C. of Riverside, after which she worked for Ernst & Young, eventually rising up to one of their Tax Managers.
Debbie is passionate about income taxes. She enjoys reading about changes in the tax code and helping her clients make the best tax decisions based on their personal situation. And while most tax preparers focus exclusively on tax compliance (i.e. making sure your taxes are filed on-time), Debbie actually helps her clients with tax strategy. This is one of the reasons Ernst & Young moved Debbie into their high net worth tax group, where she worked with many of the firm’s most successful families.
Debbie has a special affinity for business owners, having been one herself for when she owned & operated an auto repair shop in Alameda, while also working full-time in her profession.
Finally, Debbie has a passion for real estate and a deep understanding of real estate tax law, and she stays informed by being an active member of her local realtor association, where she has served as volunteer Treasurer for the past four years.
Assets Under Management & Assets Under Advisory
* As of January, 2018.
Our Promise to You
We do not take that lightly
Reputation is everything in this business and many of our clients live in Danville, Alamo, or the surrounding areas. We take great pride in the reputation that we’ve built over the years and have no plans to put that at risk.
This means we do what we say we’ll do, we keep our promises, and we do everything in our power to keep our clients happy.
As a result, for over 30 years some of Danville & Alamo’s most successful families have employed us as their family’s financial advisor, helping them with all aspects of their financial lives.