Our Story

 Ron Caruthers is the nation’s foremost expert on college planning and college funding. He’s loved by many for finding creative and effective ways to fund their children’s college dreams while keeping them on track for retirement. Many know Ron as their Financial Fixer.

Ron was born and raised in Santa Monica, California—right up the street from the Santa Monica Pier. His parents later moved inland where Ron graduated from Sunny Hills High School in Fullerton, CA in 1985 as  valedictorian – ranked 1st of 419 seniors. However, Ron and his family found themselves unable to pay for college – a situation many of our clients understand all too well.

This setback forced him to take a hard look at how unprepared most students are for college, career, and managing their money after college.

Since then, he has worked with over 4600 families to help make their children’s dreams a reality, while providing sound financial guidance along the way!

Ron Caruthers was an adjunct instructor at Palomar and Mira Costa Colleges in San Diego, California, and a regular on San Diego’s morning news programs. He has been interviewed on ABC, CBS, NBC and FOX. He has also been quoted in Newsweek, Inc. Magazine, USA Today and the Wall Street Journal, among other publications.

He currently enjoys life in Carlsbad Village, a town on the water about 35 miles north of downtown San Diego with his wife Sylvia, 15 chickens, and a purse dog named Star. He is dad to three children, Jessika, Brennan and Lexi,–all who went to college for free. Jessika went to USC and Brennan graduated from Northeastern in May of 2018.

 

Our Values & Beliefs

We are fiduciaries. Our clients come first - always.

We provide financial advice to families beyond the common industry approach. We execute on what is most effective and right for you – not what makes us the most money.

We believe in proactively addressing the wealth transfers that trip up most American families that occur unknowingly and unnecessarily.

Shortfalls in college expense planning and retirement can be best addressed by first dealing with the wealth that is quietly tip-toeing out your back door. Often, there is potentially more financial opportunity in avoiding losses than there may be in “picking winners” – losses always hurt you more than gains help you.

We empower families to make intelligent financial decisions in ALL areas of their lives.

We go beyond what’s expected of the average financial planner. We take a holistic approach to wealth planning and provide solutions that will bring you financial peace of mind today and into the future. 

Our Team

 

Stephanie Manuel

Executive Assistant

stephanie.manuel@roncaruthers.com

Stephanie grew up in Fresno, Ca a small town in Central California. After 18 years in the central valley, Stephanie moved to San Diego and attended San Diego State University, where she received her Bachelor of Science degree in Business Administration, Accounting. In her spare time Stephanie enjoys being outdoors (preferably by the beach), doing yoga, and spending time with friends and family. 

Our Team

 

Mike Escobar

Associate Adviser

mike@roncaruthers.com

Mike was raised in West Covina, CA. After graduating high school he moved to the Midwest to attend college in Northwest Indiana.

After college Mike worked for a non-profit for 2 years that helped inner-city, minority youth. He felt a call to the classroom and taught high school Math and coached high school wrestlers in Chicagoland for 5 years. In 2018, he decided to move back to Southern California to be closer to life-long friends and family.

He is married to his wife, Alejandra Escobar, and has two awesome kids – Julia and Michael.

Mike holds life and health insurance licenses in California, Illinois and Indiana. He is a Fiduciary Advisor, and has passed the series 65 Securities Exam.

Featured Publications

College Planning Video Series

  • Part 1 – Tips for Maximizing Financial Aid
  • Part 2 – How SAT and ACT Scores Affect College Admissions
  • Part 3 – Aligning Your Career Goals and College Major

We want to help you take proactive steps to help you afford the colleges you want while keeping your retirement goals intact. Please email us with any questions you may have!

Phone: 760-607-7201

Fax: 760-874-8957  

office@roncaruthers.com

701 Palomar Airport Road

Suite 170

Carlsbad, CA 92011

2869 Historic Decatur Rd

Liberty Station

San Diego, CA 92106

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