Your Retirement Team Is Ready to Meet You
A complimentary, no-obligation 30-minute review with a member of the Parallax Wealth Management team. We work for you — guiding, educating, and acting in your best interest at every step.
Book Your 30-Minute Review
Click the calendar to choose your date and time
Click to open the live scheduling calendar →
10 areas. One conversation.
Our complimentary plan participant review is more than a check-in. Here’s what we’ll cover in your 30 minutes together.
Investment Strategy Analysis
Review your fund selections, asset allocation, and whether your risk exposure aligns with your actual timeline and income needs.
Rollover Options
Explore IRA consolidation, portability from former employer plans, and the trade-offs of staying in your current plan versus rolling over.
Beneficiary Review
Retirement accounts pass by beneficiary designation — not your will or trust. An outdated designation overrides your entire estate plan.
Risk Tolerance Assessment
Calibrated to your lifetime income needs and sequence-of-returns risk — not just your age or a generic questionnaire.
Roth Conversion Analysis
Tax bracket modeling, partial vs. full conversion strategy, and Roth 401(k) election options if available through your plan.
HSA / FSA Strategy
Triple tax advantage of Health Savings Accounts, surplus investment strategy, and Medicare transition planning at age 65.
NUA Strategy
If you hold employer stock in your plan, Net Unrealized Appreciation may qualify for preferential capital gains tax treatment at distribution.
Social Security Timing
Breakeven analysis, spousal benefit coordination, and filing strategies modeled with precision planning tools.
Estate Planning Access
Clients receive access to our estate planning platform for self-guided generation of wills, trusts, power of attorney, and health directives.
Flat-Fee Planning
Not ready to move assets? A dedicated financial plan is available — paid securely via AdvicePay.
Included with Every Review
Complimentary Access to Our Financial Planning Portal
Every scheduled review includes complimentary access to our institutional-grade financial planning portal that aggregates all of your financial accounts in one place.
Snapshot Dashboard
One-page summary of net worth, goal progress, and stress-test results — your full picture at a glance.
Probability of Success
Runs thousands of market scenarios to show the statistical likelihood of reaching your goals without outliving your money.
Blueprint Timeline
Maps out retirement, education, and real estate milestones so you can see exactly when and how to fund each one.
Cash Flow Maps
Visual charts showing where your money flows — income, taxes, savings, spending — and whether it aligns with your goals.
Median Ending Asset Value
Shows projected wealth at your planning horizon so you can see if you’re on track — or need to adjust.
Account Aggregation
Links your bank, brokerage, 401(k), IRA, and mortgage into one real-time household balance sheet.
Your secure client portal. Private login to view your plan, upload documents, track goals, and stay connected to your advisory team from any device. Account aggregation links everything automatically.
How We’ve Helped Clients
Three Available Avenues
01
Advisory / Managed (Fee-Based)
Portfolio-Based Advisory
Some clients choose a fee-based advisory account — no upfront commissions, no long-term contract, and the flexibility to adjust a professionally managed portfolio as life evolves. Fees are based on assets under management, keeping advisor incentives aligned with client outcomes.
02
Annuity / Guaranteed Income
Guaranteed Income & Fixed Rate Solutions
For clients whose situation calls for protected lifetime income, fixed rate solutions and guaranteed income strategies have provided peace of mind alongside their investment portfolio. Product selection always follows a thorough suitability review.
03
In-Plan Optimization
Review and Optimize
Many clients simply want to make sure what they already have is working as hard as possible. Staying in your current plan while optimizing fund selections, contributions, and elections is a meaningful and often-underutilized strategy.
Meet the Team
The people behind your plan
Wilson, Lawrence, and Juan each bring a distinct depth of experience — and a shared commitment to leaving every client better off than when they arrived.
Wilson L. Lea CFP®
Financial Planner · Retirement Plan Advisor
Wilson has always had a passion for helping people — and it’s that passion that led him to a career in financial services. With more than 25 years of experience working with retirees, business owners, and individual families, Wilson brings deep expertise in retirement income strategies, wealth transfer, portfolio design, and risk management.
Professional Experience
CFP® — Certified Financial Planner™
B.A. Economics — UCLA
Certificate in Financial Planning — DePaul University
25+ years experience
Lawrence Rocha AIF® · MBA
Financial Planner
Lawrence is a financial planner dedicated to helping individuals and families bring order, clarity, and confidence to their financial lives. With more than fifteen years of experience, he guides clients through life’s major transitions. Originally from Northern California, Lawrence now resides in Downtown Los Angeles with his wife, Vanessa.
Professional Experience
AIF® — Accredited Investment Fiduciary
MBA — CSU Monterey Bay
Certificate in Financial Planning — UCLA Extension
15+ years experience
Juan Sarmiento FSCP®
Paraplanner
Juan is a registered paraplanner committed to helping clients navigate the complexity of financial planning with clarity and confidence. Originally from Colombia, Juan lived in Canada before settling in Southern California. He is especially passionate about working with multicultural and multilingual families building strong financial foundations across generations.
Professional Experience
FSCP® — Financial Services Certified Professional
B.S. Computer Science — Cal Poly Pomona
Licensed Across Securities & Insurance — Our Fiduciary Standard
Wilson, Lawrence, and Juan each hold Series 7 and Series 65 or 66 securities registrations, qualifying them to discuss and recommend a full range of investment solutions. All three also hold a California insurance license, allowing the team to evaluate principal-guaranteed and insurance-based options — including annuities and other risk-mitigation strategies — for clients interested in safety and downside protection alongside growth. The team operates under the fiduciary standard, which means your interests always come first — not commissions.
Financial Planning Fees
Not ready to move assets?
We can still build your financial plan.
Financial Planning Contract
Comprehensive Plan
$1,500 min
Non-clients · one-time
A full financial plan built before committing to an advisory relationship. Renews annually. Fee subject to planner discretion based on client needs and complexity.
Delivery
Written plan covering cash flow, retirement income, investment, risk management, estate, and other applicable topics.
Fee may be waived or reduced for clients moving assets — ask at your review.
Consultation Agreement
Hourly Planning
$250/hr
Any client · per engagement
For a narrowed-scope planning need that doesn’t require a comprehensive plan. Each engagement is independent — no renewals.
Delivery
Materials presented plus accounting of time. No formal plan document required.
Best for: Roth conversion analysis, Social Security timing, or a beneficiary review.
Life Transition Planning
Ongoing Support
$750
New & existing clients · up to 12 month term
Structured planning support around a major life change — retirement, divorce, loss of a spouse, or another significant transition.
Delivery
Meeting notes and documented services — may include retirement income scenarios, Social Security analysis, pension options, cash flow modeling, or portfolio transitions.
Fee may be waived entirely for clients moving assets — ask at your review.
Schedule Your Review
Book a time that works for you
What you’ll be asked when booking
Meet Us Where You Are
We are happy to meet by phone or virtual meeting at a time that works for you. If you prefer to meet in person at one of our offices, just reply to our confirmation email and we will make it happen.
Los Angeles (DTLA)
Orange County — Irvine
South Bay — Torrance