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Two Decades of Serving Del Mar Families
George Hoover Jr. grew up in Del Mar surfing the local breaks, lifeguarding, running a beloved restaurant, and training with the national triathlon team. Our local team is deeply rooted in the community.
Independent and fee-only ever since
in San Diego and across the country
who have chosen Torrey Growth as their fiduciary advisor
Del Mar
Firm figures as of August 20, 2026. See Disclosures.
Local roots
Sand over spreadsheets.
Torrey Growth & Income Advisors is based in Del Mar with decades of experience serving families throughout Southern California. We manage over $300 million for families here in San Diego and across the country.
Many of our clients would rather be at the beach than poring over financial plans and investment strategies. We actively manage their investments so they can spend less time monitoring day-to-day markets and more time enjoying the coast. When important financial decisions arise, we help break complex questions into manageable decisions.
We are proud to be a family business serving multi-generational families.Del Mar, California · Twenty years independent
The local picture
The financial reality of coastal San Diego
San Diego families face a distinct set of financial challenges that we understand well: high real estate values that concentrate wealth in illiquid assets, and high taxes and prices that can compress even generous incomes.
How we help local San Diego families
- Retirement and income strategies for families who want to stay in San Diego, not downsize out of it
- Integrated wealth planning that accounts for real estate concentration and local cost of living
- Multi-generational planning and charitable strategies for giving to your children, grandchildren, and the causes you care about most
Twenty years
A milestone built on relationships
We recently celebrated twenty years as an independent, fee-only fiduciary firm. That milestone reflects relationships we have built with families who have trusted us to manage their investments through turbulent markets and across stages of their lives.
Access Cash from Your Investments Without Selling What You've Built
Portfolio-backed liquidity can be a valuable tool for families looking to refinance existing debt or make a major purchase in today's high-interest-rate environment.
- The coastal liquidity squeeze: Why wealth often concentrates in a home and stock portfolio, and what that costs when cash is needed
- A portfolio-backed alternative, managed in-house: How a box spread on S&P 500 Index options works, in three steps
- The rate advantage in context: Indicative financing costs against margin loans and HELOCs
- Two case studies: Refinancing while deferring capital gains, and tax-advantaged borrowing for a major purchase
- Is this right for you? The risks, plainly stated, and the thresholds where it's worth exploring
Check your inbox.
We'll be sending you your insights shortly. If you'd like us to model the numbers against your own portfolio, reply to that email or call (760) 274-2744.
From our desk
Six Facts to Know About 529 Plans
A new school year is a good moment to revisit 529 plans — tax-free growth, changing the beneficiary, K-12 and Roth flexibility, and how much you can actually contribute.
Read the update → MoreUpdates & Insights
Planning notes and perspective from our advisors, published about once a month.
See all updates →Common questions
Frequently asked questions
Independence and institutional capability do not have to be a trade-off. Our clients benefit from third-party custody of their assets, banking, and financial reporting through Charles Schwab, a major financial institution. At the same time, we offer a wide range of tailored investment strategies, including active management, options strategies, and planning that works across all of a family’s accounts rather than one at a time.
What independence adds is judgment. With no corporate headquarters setting model portfolios or approved product lists, we build each portfolio around the client in front of us and adjust as circumstances change.
While larger firms can offer additional in-house services such as banking, trust management, and tax advisory, we maintain a network of independent partners we refer clients to when they need additional support. We receive no compensation for those referrals.
Being based in Del Mar also gives us firsthand experience with the financial dynamics of coastal San Diego families. That context can matter when you're making decisions about your retirement, real estate, and diversification. Plus, you can drop in to see us when you’re in Del Mar Village.
Fee-only advisors are paid directly by clients and receive nothing from any other source. Commission-based professionals are paid by the companies whose products they sell. Fee-based advisors do both. No structure is right for everyone, but you should know which one you are in.
Torrey Growth is fee-only. We are paid by our clients and do not sell insurance, annuities, or other products for commissions.
Yes. Significant real estate equity in markets like Del Mar and Solana Beach adds planning complexity around liquidity, estate titling, and diversification. We can help you manage this concentration in partnership with your estate attorney and CPA.
Yes. While our roots are in Del Mar and coastal San Diego, we serve clients in more than 25 states. Many of our California client families have adult children, extended family, and residences in other states or abroad, and we are experienced in multi-state financial planning considerations.
Start a conversation
Let's talk about your goals.
If you're looking for a local fee-only fiduciary advisor, we'd welcome the opportunity to talk about your financial goals, current situation, and the decisions ahead.
- A member of our team follows up within one business day
- An introductory conversation — no preparation needed
- No obligation
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