Registered with the SEC under CRD #330208 as a fee-only fiduciary, JRO Wealth Management, LLC serves clients from 3704 Mission Blvd in Pacific Beach. Retirement-income planning and tax-optimization strategies are built around each client's equity-compensation packages, with insurance gaps addressed through referrals to agents such as Farmers Insurance - Wes Calafata. The practice specializes in serving biotech and tech-industry employees who hold restricted stock units, incentive stock options, or employee stock purchase plans. Year-round tax preparation and estimated-payment scheduling are coordinated with area CPAs like Tobias & Associates to align capital-gains timing with retirement contributions. The firm's most complex planning cases involve multi-year Roth-conversion ladders layered with concentrated-stock diversification and Medicare IRMAA surcharge mitigation for early retirees.