Matthew Cobas
Kaiyo Wealth · San Diego, California
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.
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Specialties
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 |
| Accepting new clients | Yes |
| Assets under management | $240.1M across 294 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA, TX · CRD 6396310 |
| Exams passed | Series 66 (2016) |
| Firm size | 4 employees |
| Disclosures | None reported |
| Website | www.kaiyowealth.com |
| Profile |
How Matthew's firm compares
- Kaiyo Wealth's average account is about $817,000, from its Form ADV (assets managed divided by 294 accounts).
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Questions about Matthew
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Kaiyo Wealth website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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