One clear strategy
See how today’s choices fit together and support the future you’re working toward.
Personal guidance · Clear decisions
Buy back your time.
Bring your investments, retirement, protection, and major financial decisions together into one clear strategy—so you can spend less time managing money and more time living your life.
Clear guidance for life's important transitions
Career transitions
Retirement strategy
Business-owner planning
Protection and legacy
YOUR PRIORITIES. ONE COORDINATED STRATEGY.
A More Personalized Approach to Wealth
Explore guidance built around your goals, your decisions, and the life you want to create.
Our mission & approach
More clarity.
Less financial noise.
Our mission
Our mission is to help people make clear, confident financial decisions so they can spend more time on the life they want to live. Through personal guidance and coordinated planning, we help connect today’s choices with tomorrow’s priorities—protecting what matters, preparing for change, and building a meaningful legacy. We start by listening, explain the reasoning behind our guidance, and adapt as life evolves.
See how planning worksPersonal guidance
Start with your goals, priorities, and concerns—not a prepackaged solution.
Straightforward communication
Understand the reasoning behind each recommendation and what comes next.
Ongoing attention
Keep your strategy aligned as your career, business, family, and priorities evolve.
A coordinated financial life
Your money should work harder for you.
Good planning is about more than investments. It connects cash flow, retirement, risk management, insurance, and legacy decisions to the life you want to build.
Start the conversationWho we help
Advice built around moments that matter.
S&D is designed for people who want a thoughtful partner when financial decisions become more complex—or more important.
Professionals in transition
Coordinate old workplace retirement accounts, new benefits, equity compensation, cash flow, and the financial choices that come with a career change.
Business owners
Protect cash flow, preserve liquidity, and make more intentional decisions about personal wealth, business risk, and capital.
Families approaching retirement
Turn accumulated savings into a coordinated strategy for income, investing, protection, and the legacy you hope to leave.
Your planning process
A clear path from questions to action.
Each step is designed to help you understand where you stand, what matters most, and which decisions deserve attention first.
15-minute introduction
A focused conversation about what prompted you to reach out and whether S&D may be the right fit.
Discovery
A deeper look at your goals, accounts, benefits, obligations, concerns, and opportunities.
Recommendations
A prioritized strategy explained in straightforward language, with clear choices and tradeoffs.
Implementation
Put the agreed strategy into motion and revisit it as markets, goals, and life circumstances change.
About David & S&D
Financial guidance should feel personal.
David Sonek-Delgado brings a background in banking, client service, and relationship management to S&D Financial Strategies.
From 2018 to 2025, David worked at JPMorgan Chase in Beverly Hills, progressing from part-time teller to Licensed Private Client Banker. His work included financial reviews, personal and business banking, trust and retirement accounts, and coordination with financial advisors, mortgage consultants, and business bankers.
Earlier in his career, David supported administrative and client-service work at Merrill Lynch. He also held management and customer-service roles outside financial services, gaining experience with team leadership and day-to-day business operations. From approximately December 2025 through July 2026, he served as a Registered Representative at New York Life Securities.
At S&D, David brings that experience to conversations with professionals, business owners, and families. His approach starts with listening, explaining choices clearly, and helping clients connect financial decisions with the life they want to build.
David Sonek-Delgado Wealth Consultant · S&D Financial Strategies
Meet with DavidFinancial insights
Questions worth thinking about.
You left your job. What should happen to your old 401(k)?
Four common paths—and the practical questions that can help you compare them.
Educational article · Coming soonHow much liquidity should your business keep accessible?
A framework for balancing reserves, opportunity, and personal financial goals.
Planning guide · Coming soonFive decisions to revisit before retirement becomes real.
Income, healthcare, taxes, investments, and the life you want your plan to support.
Retirement checklist · Coming soonLet's get started
Build a strategy around the life you want.
A short introductory conversation is the easiest way to see whether S&D can help bring more clarity to the financial decisions in front of you.
Schedule a 15-minute conversation No preparation required.
Based in Los Angeles and serving clients in Beverly Hills and across West Los Angeles, including Brentwood, Westwood, Bel-Air, Century City, Santa Monica, and Culver City · david.sonekdelgado@lpl.com
Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. S&D Financial Strategies and LPL Financial are separate entities.
The information presented is for educational purposes only and is not intended as tax, legal, or individualized investment advice. Consult the appropriate professionals regarding your specific situation. Investing involves risk, including possible loss of principal.
The LPL Financial registered representative associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.
Newsletters
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What Is Value Investing?
At the heart of a value investing strategy is viewing the purchase of stock shares as becoming a part owner of a company.
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Is Your Dream Kitchen a Good Investment?
Considering the potential return on investment before taking on home improvement projects can help homeowners make cost-effective decisions.
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HOT TOPIC: Trade Roundup: New Tariff Actions and Rates
This article explains newly implemented and upcoming tariffs and their potential economic impact.
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Separately Managed Accounts: Tax-Efficiency and Tailored for You
With SMAs, investors have the flexibility to fine-tune their asset allocations for their own unique circumstances and better manage their tax liability.
Calculators
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Savings Accumulation
Estimate the future value of your current savings.
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LTCI Cost of Waiting
Estimate the potential cost of waiting to purchase a long-term care insurance policy.
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Lifetime Earnings
This calculator is designed to help you attach a dollar figure to your life’s work.
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Taxable Equivalent Yield
Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.