Phillip Niblo, CFP®, CRPC™

Hi my name is Phillip and I specialize in working with pre-retirees close to retirement and retirees who have accumulated between $1M and $5M. Building retirement savings takes discipline, but developing a strategy to turn those savings into sustainable retirement income while considering the potential tax implications can present an entirely different challenge. I help clients navigate retirement distribution planning and develop strategies designed to provide a reliable income stream throughout retirement. My goal is to help clients feel more confident about their financial future and enjoy the retirement they have worked hard to achieve.

I have over a decade of financial advisor experience working with high net-worth retirees and have built over 150 financial plans. I have worked for Merrill Lynch, Raymond James & FLC Capital Advisors. In my most recent role FLC Capital Advisors I was a financial advisor & also in charge of Investment Planning & Financial Planning for the firm’s clients. 

In addition to offering financial planning and advisory services under a flat-fee schedule, I also offer investment advisory services under a tiered asset-based fee schedule. The applicable fee structure depends on the services selected and the nature of the advisory relationship. 

I graduated from University of Redlands with a Degree in Business Administration and a concentration in accounting. I earned my CERTIFIED FINANCIAL PLANNER™ certification showing my commitment to being the best financial planner possible. I was also featured in Palm Springs Life 40 under 40. 

I am Board Member for College of The Desert Foundation including being the Vice Chairperson for the Finance Committee, Vice President for the Desert Estate Planning Council & also a Vice Chairperson for the City of La Quinta Financial Advisory Commission. 

I reside in La Quinta, California with my wife Deyssi & our daughter Sofia.