David Lyon (AWMA, CFP®, CRPC®, EA)
David Lyon focuses in the
following client markets or areas of practice:
- Business Owners
- Cash Flow/Budgets/Credit Issues
- Charitable Giving
- Estate & Generational Planning Issues
- Fixed Fee (Subscription, Retainer, etc.)
- High Net Worth Client Needs
- Business Owners
- Cash Flow/Budgets/Credit Issues
- Charitable Giving
- Estate & Generational Planning Issues
- Fixed Fee (Subscription, Retainer, etc.)
- High Net Worth Client Needs
Planning Specialties
Comprehensive Financial Planning – holistic strategies integrating business and personal finances.
Cash Flow Planning – stabilizing unpredictable income and creating spending clarity.
Retirement Planning – transitioning from restaurant-driven income to sustainable retirement wealth.
Exit Planning – preparing for and optimizing the sale or transition of restaurant businesses.
Tax Planning & Strategy – advanced business and personal tax minimization (entity structuring, distributions, QBI, PTET, Roth strategies, etc.).
Investment Planning – tailored strategies across real estate, business reinvestment, and traditional portfolios.
Debt Management – building structured plans to manage or reduce business and personal debt.
Estate Planning Integration – helping you clarify legacy goals while accounting for the complexities of restaurant ownership.
Risk Management – analyzing insurance, liability, and personal protection needs.
Education Funding – structured planning for private school and college costs.
Real Estate Analysis – evaluating ownership vs. leasing, acquisitions, and property investment within wealth plans.
Growth & Expansion Planning – modeling how new ventures impact personal wealth and risk.
Advisor Coordination – acting as the central hub between CPAs, attorneys, and other advisors.
Additional Information
I advise high-net-worth families in the Central Valley and Central Coast with $10–50 million in assets. As a Family CFO, I help clients bring structure and strategy to complex financial lives, coordinating across investments, taxes, estate planning, business ownership, real estate, philanthropy, and family legacy. My goal is to give families confidence that every major financial decision is connected to a larger plan.NAPFA Start Date
July 31, 2025
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