20-20 Financial Advisors operates as an investment-adviser-representative practice inside Prime Capital Investment Advisors, working from Suite 709 at 2550 Fifth Ave in Hillcrest since the San Diego office opened in 2001 and joined the Prime Capital platform in 2021. Retirement-distribution planning and Roth conversion sequencing coordinate with outside tax preparation at Strategic Tax Management, since multi-year tax projections have to line up with the investment withdrawal order for the strategy to actually function. The practice focuses on high-net-worth individuals, families, and business owners across investment management, retirement income, estate coordination, and business succession. Permanent life, disability, and long-term-care layering routes through independent brokers including Ballast Point Insurance Services when a client’s estate-liquidity or income-replacement need sits outside the managed advisory account. The deepest engagements are multi-generational wealth transfer plans coordinating ILITs, grantor trusts, and closely held business succession for families preparing to hand down an operating company.