Torrey Growth & Income Advisors is a family-owned, fee-only fiduciary investment advisory firm headquartered at 1233 Camino Del Mar in Del Mar (92014), open mornings Monday through Friday from 8:00 AM to 1:00 PM. George Hoover Jr. leads the practice and is now joined by the next generation — his children — making Torrey Growth a multi-generational business that serves multi-generational families. Luwain Ng, the firm's longtime operations manager, has been part of the team since their days together at Smith Barney, providing continuity that few advisory firms can match. Tax-efficient investing is central to wealth preservation, and many Torrey Growth clients coordinate their tax strategy with Del Mar Tax & Accounting Services to ensure their financial plan and tax filings work in lockstep. Founded in 2006, Torrey Growth manages over $300 million in assets under management across roughly 485 accounts, with a client roster that includes both high-net-worth individuals and families spanning grandparents, parents, children, and in some cases great-grandchildren. As an independent, fee-only fiduciary registered with the SEC, the firm earns no commissions and is legally obligated to act in clients' best interest — a distinction that matters when evaluating wealth management options in the Del Mar area. Services include portfolio management, retirement planning, and estate strategy for families across the country, though the firm's roots are deeply planted in coastal San Diego. Comprehensive wealth planning also involves risk management, and Eric B. Fuller, Inc. — an independent insurance agency a short distance up Camino Del Mar — helps families layer in the right property, life, and umbrella coverage alongside their investment portfolio. The firm's morning-hours schedule reflects its focus on thoughtful, unhurried client relationships rather than high-volume transactional work.