What We Do

EPIPHRON (ĕp′uh frŏn); The Greek god of prudence, sound judgement and care.

We strive to create for our clients financial confidence! We do this by addressing two very important questions: a) Will I make it? and, b) Where are my blind spots?

Life is a journey, constantly changing and evolving— from the ups of getting married, starting a family, selling your prosperous business, or retiring after a successful career, to the downs of illness, divorce, or losing a loved one. Every transition brings new financial challenges.

Through on-going dialog with you, we regularly review your financial plan and investment portfolios in order to adjust them to you and your changing needs. We will develop and evaluate options together with a focus on tax implications, wealth building and capital preservation strategies.

Your goals based financial plan will act as the framework for everything we do and every decision we make.
Services Include
  • Financial Planning1
  • Wealth Management2
  • Business Succession Planning3
  • Professional Portfolio Management4
  • Retirement Planning5
  • 401(k) Rollovers
  • Estate Planning Strategies6
  • Trust Services*
  • Municipal Bonds7
  • Divorce Financial Analysis8
  • Qualified Retirement Plans9
  • Long Term Care Insurance10
  • Sustainable Investing11
  • Alternative Investments12
  • Lending Products
  • Exchange Traded Funds13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We share a common motivation that led us to become financial professionals.  Each of us suffered a family tragedy early in life.  These tragedies profoundly shaped our overriding purpose in serving our clients.  For that reason, we believe that every client must have a financial plan, so they are prepared for whatever challenges life may hold.

    Working With You

    Our client-centered fiduciary standard and compensation structure insures our interests are always aligned with your interests. When you win we win.

    We will formulate a progressive, smart and cost-efficient plan using our experience, resources and intellectual capital of Morgan Stanley and elite third-party sources.

    Our comprehensive approach considers both sides of your balance sheet, which means aligning your life goals using modern wealth portfolios, strategic asset lending, and risk management solutions.


    We believe achieving your financial goals begins with a well-crafted and sound wealth management plan, a prudent investment philosophy and a proven process that is followed with diligence and discipline. Our six-step process provides the context to develop proven strategies intended to attain your goals.

    Step 1 – Discovery

    Step 2 – Financial Plan Development

    Step 3 - Investment Allocation and Asset location

    Step 4 - Manager Search, Selection and Cost-Effective Implementation

    Step 5 - Ongoing review, Buy/Sell Discipline and Rebalancing

    Step 6 - Client Involvement, Behavioral Coaching and Education

      Experience

      The Epiphron Group is a team of seasoned professionals with complementary skill sets, accreditations, knowledge and experience. We provide our clients with exceptional service, sound judgement and advice.

      As a team, we have over 70 years of experience in planning for life’s transitions—including retirement, sale of a business, divorce, or loss of a matriarch or patriarch. We have a deep understanding of family dynamics, risk, lending and investment management. We assist successful business owners, executives, individuals and families implement wealth strategies that are in sync with their life and business goals.
        Past, present and future events

          Location

          1901 Main Street, 7th
          Floor
          Irvine, CA 92614
          US
          Direct:
          (949) 955-7500(949) 955-7500
          Toll-Free:
          (800) 533-3402(800) 533-3402

          Meet The Epiphron Group

          About Me

          Dave’s value as a wealth advisor is rooted in his unique perspective on life.  Dave was orphaned at age 16, requiring him to take immediate responsibility for his own financial survival.   Working through college, buying his first home at age 22, learning the value of savings and planning – all were key ingredients to his own financial security and independence.  Dave had the inner strength, perseverance and determination to reach his own life goals.   Today, Dave’s mission is to help his clients prepare for whatever life throws at them, so that each has the potential to fulfil their dreams.

          Since 2001, Dave has leveraged his 25 years of experience at Yamaha Motor, USA and Lee Iaccoca and Associates.  His clientele ranges from business owners, executives, doctors, lawyers, engineers, architects, teachers, and administrators – professionals and tradesmen – who enjoy knowing that someone is working day and night to stay ahead of the curve to help them achieve success in business and in life.

          Dave earned his Bachelor of Science in Business Administration from California State University, Fullerton with a concentration in Economics, an MBA from the University of La Verne and holds the designation of Certified Investment Management Analyst (CIMA®) through advanced graduate level coursework at the Wharton School, University of Pennsylvania. 

          As a native southern Californian, Dave lives with his wife Susan in Orange County. He has traveled extensively throughout Asia, Europe and the U.S., but calls southern California home because of the wonderful climate and active lifestyle.  When he’s away from the office, Dave enjoys outdoor activities such as jogging, hiking, camping, and gardening. He is also a strong advocate for promoting financial literacy, spending time teaching the fundamentals of finance to teens and young adults.
          Securities Agent: TX, CA, WV, WI, WA, UT, OR, NY, NV, MO, MI, KY, IL, HI, FL, CO, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
          NMLS#: 1279033
          CA Insurance License #: 0D40434

          About Me

          When I was six years old, my mother at 30 years of age was misdiagnosed and passed away suddenly from a brain aneurysm. As a result, my father decided for financial reasons and other considerations that my younger brothers and I live with our aunt and uncle. I made a decision from that moment that I would never be put in that financial position ever again. Moreover, I learned to appreciate the role of money in one’s life, and the importance of planning.

          The impact of my loss greatly influenced my purpose. Thus, I focus on organizing the affairs of successful entrepreneurs, executives and affluent families to plan for the unexpected, and to reduce taxes.
          Many of my clients are interested in preservation of the wealth they have diligently acquired. I have developed a perspective that goes beyond investments to include my clients’ comprehensive financial life.

          I strive to be my clients’ knowledgeable and trusted confidant. My clients can benefit from an approach that begins by listening to and understanding their unique needs and desires. I leverage over thirty-five years of experience in Banking and Trust, Real Estate and Portfolio Management; experience that affords me the opportunity to implement wealth management and planning solutions including philanthropic planning delivered with concierge-level service.

          My clients feel secure in the knowledge that I capitalize on the foremost tax-efficient, risk-mitigation strategies in order to achieve their goals. I collaborate with my clients’ tax professionals, estate planning attorneys, and other trusted advisers on a regular basis. As a result, I can effectively coordinate the important aspects of my clients’ financial lives – allowing them to focus on their passions and interests.

          One of my passions is cooking and was trained as a professional chef. I have many clients from the food and hospitality industry. I am actively involved with charities for the homeless as a guest chef.
          Securities Agent: CA, WV, WI, WA, UT, TX, OR, NY, NV, MO, MI, KY, IN, IL, HI, FL, CO, AZ; General Securities Representative; Investment Advisor Representative
          NMLS#: 1255785

          Strategic Partners

          The Experience to Guide You
          Our steadfast committment is to enhance the advice you receive. Working in partnership allows us the opportunity to provide a more holistic approach to help you manage and meet your wealth management goals head-on.
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          Senior Vice President, Financial Advisor, Corporate Client Group Director

          Investment and Market Perspectives

          On the Markets

          Retirement

          Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
          • 401(k) Rollovers
          • IRA Plans
          • Retirement Income Strategies
          • Retirement Plan Participants
          • Annuities
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          Investing

          Working closely with you to guide your wealth and investments through the most challenging market cycles.
          • Asset Management
          • Wealth Planning
          • Traditional Investments
          • Alternative Investments
          • Impact Investing
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          Family

          Creating customized financial strategies for the challenges that today's families face.
          • Estate Planning Strategies
          • 529 Plans / Education Savings Planning
          • Long Term Care Insurance
          • Special Needs Planning
          • Trust Services
          Financial Transition: A Guide for Women

          Financial Transition: A Guide for Women

          Here's how to take control of your finances if a death or divorce leaves you holding the reins.

          Business Planning

          Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
          • Succession Planning
          • Business Planning
          • Retirement Plan Sponsors
          • Qualified Retirement Plans
          • Corporate Pension Funds
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          Philanthropy

          Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
          • Endowments
          • Foundations
          • Donor Advised Funds
          • Impact Investing
          A New Roadmap for Mission Alignment

          A New Roadmap for Mission Alignment

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          Ready to start a conversation? Contact The Epiphron Group today.
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          1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.

          2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

          3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

          4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

          5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

          6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

          7Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

          8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

          9Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

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          11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

          12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

          13An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

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          The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

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