Intrepid Wealth Management in Carlsbad holds California Insurance License #0E80823 and clears securities through Osaic Wealth, a FINRA- and SIPC-member broker-dealer. Comprehensive financial plans here pair investment positioning with year-round tax-optimization strategies coordinated alongside firms like CapForge Bookkeeping, Tax & More to keep portfolio decisions aligned with filing obligations. The Fleet Street office near Poinsettia Park structures retirement-income drawdown sequences, education-savings vehicles, and risk-transfer solutions under a single advisory relationship. Each engagement begins with a liability-to-income mapping that identifies gaps in life, disability, and long-term-care protection, a process that draws on coverage reviews coordinated through carriers like Hayek Insurance for policy-gap analysis. Highest-complexity cases involve multi-entity business-owner plans that layer SEP-IRA and defined-benefit structures atop taxable brokerage accounts to maximize annual contribution limits under IRC section 415.