Independent Wealth Solutions

Independent Wealth Solutions is a wealth management firm in Encinitas, California, serving individuals, families, and small business owners across North County San Diego. The firm offers financial planning, retirement planning, 401(k) and 403(b) analysis, investment management, estate planning, and tax-efficient retirement strategies. With a focus on customized solutions, the firm emphasizes a collaborative approach to help clients achieve long-term financial goals. Their service area includes Encinitas, Cardiff, and surrounding communities in San Diego County. The firm holds a 5.00 rating based on client feedback.

Since 1988, Independent Wealth Solutions has operated as a family-run, fiduciary firm with a multigenerational approach to financial services. The firm employs a proprietary planning process developed through decades of experience, emphasizing personalized attention and adaptability as clients’ goals evolve. Services are tailored to individual needs, with an emphasis on asset allocation, financial status evaluation, and measurable outcomes. The team includes Maxwell Wittenberg, President, Ricky Cimicata, Account Specialist, and Steve Wittenberg, Consultant. The firm supports high-net-worth individuals, small business owners, and families, offering specialized services such as Social Security education, digital estate planning, and comprehensive 401(k) reviews.

Independent Wealth Solutions maintains a strong presence in the Encinitas community, with a long-standing commitment to building trust-based client relationships. The firm prioritizes transparency, mutual fit, and long-term financial wellness, positioning itself as a trusted advisor for clients seeking sustainable wealth strategies. Its focus on personalized planning and fiduciary responsibility underscores its role as a key resource for financial stability in North County San Diego.