# Matthew Cobas

> Matthew Cobas is a fee-only financial advisor at Kaiyo Wealth in San Diego, California, who holds the CFP credential. Matthew charges a percentage of assets (1% a year on the first tier of assets managed) and focuses on retirement planning, estate & legacy planning and tax planning.

Page: https://find.wellspent.co/advisors/matthew-cobas/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Kaiyo Wealth
- **Based in:** San Diego, California
- **Fee model:** Percentage of assets
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $240.1M across 294 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **CRD:** 6396310 (https://adviserinfo.sec.gov/individual/summary/6396310)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 66 (2016)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://www.kaiyowealth.com

## Frequently asked questions

### Is Matthew Cobas a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Matthew holds no broker registration, and Kaiyo Wealth reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Matthew charge for financial advice?

Matthew charges a percentage of assets.

### How much does Matthew charge?

According to Kaiyo Wealth's website, checked October 30, 2026: 1% a year on the first tier of assets managed.

### Does Matthew work with clients virtually?

Yes. Kaiyo Wealth says on its website that it works with clients remotely.

### Where is Matthew Cobas based?

Matthew Cobas is based in San Diego, California.

### What does Matthew specialize in?

Matthew's specialties include retirement planning, estate & legacy planning and tax planning.

### What credentials does Matthew Cobas hold?

Matthew Cobas holds the CFP credential.

### Is Matthew Cobas registered with the SEC?

Yes. Matthew Cobas is registered as an investment adviser representative in CA and TX (CRD 6396310), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Kaiyo Wealth manage?

Kaiyo Wealth reports $240.1M across 294 accounts in assets under management.

### How do I contact Matthew Cobas?

Through Matthew's website, www.kaiyowealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6396310): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://kaiyowealth.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.